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NAICS Code· 522310

NAICS 522310: Mortgage and Nonmortgage Loan Brokers

This industry comprises establishments primarily engaged in arranging loans by bringing borrowers and lenders together on a commission or fee basis. Cross-References. Establishments primarily engaged in--Show more

NAICS 522310 – Mortgage and Nonmortgage Loan Brokers encompasses firms that act as intermediaries in facilitating loan origination for residential, commercial, and other nonmortgage financing products on behalf of lenders. These brokers do not originate or fund loans directly but connect borrowers with financial institutions, negotiate terms, manage documentation, and ensure compliance with federal lending regulations such as Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA).

1
Active Contracts
$4.5M
Total Obligations (12mo)
4
Awarded Contracts (12mo)
1
Contractors Awarded (12mo)
1
Median Bidders per Award
-63.4%
YoY Growth

Industry Spending Overview

Federal obligations, top contractors and agencies, and related industry codes for NAICS 522310.

AI Industry Description

NAICS 522310 – Mortgage and Nonmortgage Loan Brokers encompasses firms that act as intermediaries in facilitating loan origination for residential, commercial, and other nonmortgage financing products on behalf of lenders. These brokers do not originate or fund loans directly but connect borrowers w...

NAICS 522310 – Mortgage and Nonmortgage Loan Brokers encompasses firms that act as intermediaries in facilitating loan origination for residential, commercial, and other nonmortgage financing products on behalf of lenders. These brokers do not originate or fund loans directly but connect borrowers with financial institutions, negotiate terms, manage documentation, and ensure compliance with federal lending regulations such as Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA). In the government contracting landscape, this NAICS code is primarily engaged in support services for housing finance programs administered by federal agencies, including loan servicing coordination, borrower eligibility verification, and automated underwriting system integration. While not a traditional IT or construction category, it plays a critical role in enabling affordable housing initiatives and financial access programs under federal housing policy. No contractor data is available for this NAICS code, indicating either limited direct federal contracting activity or that services are typically delivered through parent entities under broader financial services contracts. The Department of Housing and Urban Development is the primary federal buyer, leveraging loan broker services to administer housing assistance programs, homeownership counseling, and foreclosure prevention initiatives. Demand is driven by HUD’s Section 8, FHA-insured lending, and HOME Investment Partnerships Program, where third-party brokers support outreach, application processing, and loan placement for low- and moderate-income households. The competitive landscape is characterized by niche financial services firms, often small businesses or community development financial institutions (CDFIs), that specialize in federal housing compliance and borrower assistance. Opportunities exist for contractors with expertise in regulatory compliance, data integration with HUD systems, and multilingual client support. Procurement trends suggest a growing preference for contractors who can demonstrate scalable, technology-enabled loan origination workflows aligned with federal housing goals.

Top Contractors

Companies with the highest total award value under NAICS 522310, ranked by dollars won.

Ranked by total awards
CompanyTotal AwardsContracts
CORELOGIC SOLUTIONS, LLC$4.5M4

Top Agencies

Federal agencies directing the most contract spending toward NAICS 522310.

Department Of Homeland Security1 award$4.2M
Department Of Agriculture1 award$310K
Department Of Justice2 awards$5K

Competition

How many companies historically bid on federal awards in NAICS 522310, from bidder counts reported on USAspending.

Usually Single-Bid

Half or more of reported awards drew exactly one bidder, usually a sign of incumbent-held work rather than an open field. · 1,437 reported awards

Median Bidders

1

Per reported award, all-time

Single-Bid Awards

65%

Share of reported awards with one bidder

10+ Bidder Awards

3%

Share of reported awards with 10+ bidders

Reported Awards

0

77% of 1,859 total awards

How this code compares up the NAICS hierarchy. Parent cohorts pool every code under their prefix, so they are the steadier baseline when a 6-digit sample is thin.

Industry FamilyCompetitionMedian BiddersSingle-BidBidder MixReported Awards
522310This Code
Mortgage and Nonmortgage Loan Brokers
Usually Single-Bid165%
1,43777% of 1,859
52231NAICS Industry
Usually Single-Bid165%
1,43777% of 1,859
5223Industry Group
Activities Related to Credit Intermediation
Usually Single-Bid164%
3,80985% of 4,480
522Subsector
Usually Single-Bid172%
7,94985% of 9,381
52Sector
Finance and Insurance
Usually Single-Bid171%
55,82685% of 65,508

Bidder counts reported on past federal awards in this NAICS (USAspending). An open opportunity has no bidders yet, so this is the historical norm for similar work, not a fact about this solicitation. Not all awards report bidder counts, and fewer bidders often means incumbent-held work rather than an easier win. Federal reporting of bidder counts fell from ~96% of awards (FY2016) to ~30% (FY2018 onward); the chart shows shares of reported awards, and washed-out stretches mark years with fewer than 30 of them.

Related NAICS Codes

Industries similar to Mortgage and Nonmortgage Loan Brokers, by shared sector, subsector, and industry group.

Financial Transactions Processing, Reserve, and Clearinghouse Activities

This industry comprises establishments primarily engaged in providing one or more of the following: ...
522320Same Industry GroupHigh Similarity

Other Activities Related to Credit Intermediation

This industry comprises establishments primarily engaged in facilitating credit intermediation (exce...
522390Same Industry GroupHigh Similarity

Commercial Banking

This industry comprises establishments primarily engaged in accepting demand and other deposits and ...
522110Same SubsectorMedium Similarity

Credit Unions

This industry comprises establishments primarily engaged in accepting members' share deposits in coo...
522130Same SubsectorMedium Similarity

Savings Institutions and Other Depository Credit Intermediation

This industry comprises establishments primarily engaged in accepting deposits, making mortgage, rea...
522180Same SubsectorMedium Similarity

Credit Card Issuing

This industry comprises establishments primarily engaged in providing credit by issuing credit cards...
522210Same SubsectorMedium Similarity

Sales Financing

This industry comprises establishments primarily engaged in sales financing or sales financing in co...
522220Same SubsectorMedium Similarity

Consumer Lending

This U.S. industry comprises establishments primarily engaged in making unsecured cash loans to cons...
522291Same SubsectorMedium Similarity

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NAICS 522310 FAQ

Frequently Asked Questions

NAICS code 522310 covers Mortgage and Nonmortgage Loan Brokers. This industry comprises establishments primarily engaged in arranging loans by bringing borrowers and lenders together on a commission or fee basis. Cross-References. Establishments primarily engaged in--

Recently Posted in Mortgage and Nonmortgage Loan Brokers

NAICS: 522310
Federal
Bundling Notice - USDA Rural Development (RD) Loan Servicing & Operational Support
Solicitation # 12E3-RD-TBD
USDA Rural Development is consolidating multiple fragmented loan-servicing support functions into a single nationwide Blanket Purchase Agreement under the GSA Multiple Award Schedule, specifically utilizing SIN 522310 for Financial Advising, Loan Servicing, and Asset Management. The goal is to streamline operations, improve service consistency, enhance regulatory compliance, and achieve significant cost savings of 8.65% across a portfolio valued at over $94 million, including all option years. The contract, structured with a one-year base and nine optional years, will be performed primarily from Saint Louis, Missouri, and will require the prime contractor to deliver end-to-end servicing including loan modification, workout strategies, digital modernization, and audit and compliance support. Market research concluded that no small business can perform at least 50% of the requirement due to the scale, complexity, and technical demands, justifying a substantial bundling action under FAR 7.107-2, with the SBA formally coordinated and a Determination and Findings document supporting the decision. Despite the prime being restricted to other-than-small businesses, a 22% small business subcontracting goal has been established, and Contract Team Arrangements are permitted to enable small business participation through GSA Schedule vehicles. Evaluation will prioritize small business participation as the primary factor, alongside technical approach, past performance, and cost, indicating a trade-off method rather than LPTA. The contractor must hold MISMO certification, demonstrate experience managing large federal loan portfolios, and maintain robust compliance and audit teams. No security clearances are required, but performance will be assessed against operational benchmarks including regulatory compliance rates, error reduction, timeliness, and borrower outcome improvements. Invoicing, payment, and detailed accounting data are not specified, but oversight is retained by the USDA Rural Housing Service’s Servicing Office, which holds inherently governmental authority for final acceptance. The contract is set to be awarded through SAM.gov with a posting date of July 27, 2026, and point of contact is James Sowden with Bridget Purdy as secondary.
Rural Housing Service

POSTED

about 1 month ago

DEADLINE

N/A
View Details
NAICS: 522310
Closed
Federal
Q702--Notice of Intent to Sole Source Urgent and Emergent Dispense of Pharmacy Medications Overton Brooks VA Medical Center SHREVEPORT, LA
Solicitation # 36C25626Q0770
The Department of Veterans Affairs, through Network Contracting Office 16 in Houston, Texas, intends to award a sole-source Firm-Fixed Price contract to Heritage Health Solutions, Inc. for the urgent and emergent dispensing of pharmacy medications at the Overton Brooks VA Medical Center in Shreveport, Louisiana, and its four associated Community Based Outpatient Clinics. The contract is justified under FAR 6.302-1 due to the unique and specialized nature of the services, which only Heritage Health Solutions, Inc. can provide without unacceptable delay or duplication of cost. The base period is twelve months, from October 1, 2026, to September 30, 2027, with four additional twelve-month option periods that may be exercised at the government’s discretion, potentially extending performance through September 30, 2031. Services are required Monday through Saturday, 8 a.m. to 6 p.m. CST at the main facility and Monday through Friday, 8 a.m. to 4:30 p.m. CST at the clinics, with medications dispensed in person only—no mail or home delivery permitted. The contractor must adhere to the VA national formulary, prioritize generic medications when available, use VA Form 10-2577F, and ensure continuity of therapy for time-sensitive drugs like insulin and antibiotics, dispensed in up to 14-day supplies unless the medication is in sealed unit-dose packaging. All performance must comply with stringent VA, NIST, and federal standards for data security, privacy, and records management, including HIPAA, the Privacy Act, FIPS 140-2, NIST 800-52, and NIST 800-88. Contractor personnel must be state-licensed, pass background checks, and adhere to strict data handling rules: no unauthorized copying or dissemination of VA information, immediate reporting of security incidents to the VA Enterprise Service Desk within one hour, and secure destruction or return of all VA data upon contract termination with written certification. Invoices must be submitted monthly in arrears with detailed spreadsheets including patient name, last four digits of SSN, medication, days’ supply, and cost, and pricing must not exceed the lowest rate charged to the public or third-party payers. The contractor is prohibited from subcontracting without prior written approval, must provide printed drug information and pharmacist counseling, and is subject to unannounced audits by VA,
256-NETWORK Contract Office 16 (36C256)

POSTED

4 months ago

CLOSED

4 months ago
View Details
NAICS: 522310
Closed
SLED
CRFQ-0323-WWV2600000003-2 | Electronic Payment Card Services and Direct Deposit services
Solicitation # CRFQ-0323-WWV2600000003-2
The contract invites proposals for Electronic Payment Card Services and Direct Deposit services, issued by the West Virginia state government. The solicitation was posted on April 2, 2026, with a response deadline set for April 15, 2026. The contract is categorized as a solicitation under the SLED (State, Local, and Education) organization type, targeting service provision within Charleston, West Virginia, where both the agency office and place of performance are located. The primary contact for this solicitation is Brandon L. Barr, with contact details provided for further inquiries. The contract document is accessible through the official West Virginia procurement portal, indicating a formal structured procurement process. There is no specific set-aside designation or NAICS code listed, suggesting the solicitation may be open to a broad range of qualified vendors capable of delivering electronic payment card and direct deposit services in line with state requirements.
West Virginia

POSTED

5 months ago

CLOSED

5 months ago
View Details
NAICS: 522310
Closed
SLED
SMALL BUSINESS LENDING PROGRAM LOAN SERVICING & ADMINISTRATION (Re-Bid)
Solicitation # DMHAS-PREV-BRYCWP-2026-RFP
The City of Carson is seeking qualified firms through RFP 26-018 to provide comprehensive loan servicing and program administration for its First-Time Homeowner Program. The selected consultant will manage the City’s loan portfolio in full compliance with relevant federal, state, and local regulations, including guidelines set by HUD and Community Development/Housing authorities. Key responsibilities include loan servicing, overseeing program administration, maintaining borrower communications, ensuring regulatory compliance, and delivering regular reports back to the City. This contract focuses on effectively administering a small business lending program aimed at supporting first-time homeowners. Proposals must be submitted by April 16, 2026, and there is no bid bond requirement. The solicitation is managed by the Purchasing Department of the City of Carson, California, with Josilla Togiola as the primary contact. The scope emphasizes adherence to all applicable regulations and thorough compliance monitoring to safeguard the City’s loan investments while supporting program goals. This initiative is essential for maintaining efficient loan portfolio management and providing continued program assistance to first-time homeowners within the City of Carson.
Purchasing Department of City of Carson

POSTED

5 months ago

CLOSED

4 months ago
View Details
NAICS: 522310
Closed
SLED
Brownfields Revolving Loan Fund Underwriting Services
Solicitation # 73530
The Department of Economic Development in Vermont, through the Chittenden County Regional Planning Commission (CCRPC), is seeking proposals for underwriting services for a Brownfields Revolving Loan Fund (RLF) financed by a $1 million EPA grant under the Infrastructure Investment and Jobs Act. This fund, established for 2026 to 2030, aims to support the remediation and redevelopment of brownfield sites within Vermont and neighboring areas. Its mission is to reduce environmental contamination, create safe affordable housing, generate jobs through commercial space development, and develop public open spaces. The fund will provide discounted and flexible loans, alongside grants, prioritizing projects that deliver meaningful public benefits and could not proceed without favorable financing terms. The CCRPC intends to select a qualified firm to offer loan underwriting and financial product design advisory services for the RLF. The successful contractor will provide tailored financial oversight and guidance that addresses the diverse financial situations of potential borrowers, which may include municipalities, nonprofits, and for-profit entities. These entities often have varying financial resources, risk levels, and experience in areas such as real estate development, environmental cleanup, and financial management. The overarching goal is to create a flexible, mission-driven loan program that effectively meets the needs of all eligible applicants while advancing regional redevelopment and environmental improvement efforts. Proposals are due by April 22, 2026, and inquiries can be directed to the primary contact at CCRPC.
Department of Economic Development

POSTED

5 months ago

CLOSED

4 months ago
View Details
NAICS: 522310
Closed
SLED
Brownfields Revolving Loan Fund Management Services
Solicitation # 72279
The contract seeks a qualified firm to manage the Brownfields Revolving Loan Fund (RLF) by providing loan underwriting, servicing, and financial product design advice. The firm will be responsible for offering tailored financial guidance and oversight that addresses the diverse needs of RLF loan applicants, which may include municipalities, nonprofits, and for-profit entities. These applicants present varying financial assets, risk levels, and experiences, particularly in sectors such as real estate development and environmental remediation. Flexibility and responsiveness to a range of client needs are emphasized to ensure the success of the RLF program. Additionally, the contract arises from the Chittenden County Regional Planning Commission’s (CCRPC) recent organizational growth in budget and staffing, which has created a need to modernize business practices and utilize more sophisticated financial services. The evaluation of proposals will consider the capacity of firms to meet the specialized needs of the Brownfields RLF as well as additional requirements outlined in section 2.4 of the solicitation. The contract is overseen by Vermont’s Department of Economic Development, with proposals due by February 27, 2026. The point of contact for inquiries is available through CCRPC.
Department of Economic Development

POSTED

7 months ago

CLOSED

6 months ago
View Details
NAICS: 522310
Closed
SLED
Credit Card Procurement and Delivery Coordination
Illinois Department of Agriculture

POSTED

7 months ago

CLOSED

7 months ago
View Details
NAICS: 522310
Closed
International
The Good Samaritan Society (A Lutheran Social Service Organization) - Request for Proposal - Mortgage Broker
Solicitation # AB-2025-07883
Good Samaritan Society, a Lutheran social service organization operating under the Government of Canada, is seeking proposals from experienced and licensed brokerages to provide Mortgage Broker Services in a non-exclusive capacity. These services are intended to support the organization's various care homes located in Alberta and British Columbia. The solicitation aims to address the organization's mortgage brokerage needs, ensuring professional and reliable service delivery for its ongoing operations. The tender, identified by solicitation number AB-2025-07883, was posted on December 22, 2025, and the deadline for proposal submissions is January 30, 2026. Interested parties can direct inquiries to the contracting authority, Camille Lepine, via email. This procurement opportunity invites qualified brokerages to collaborate with Good Samaritan in meeting their financial service requirements across multiple care facility locations in the noted provinces.
Good Samaritan Society (A Lutheran Social Service Organization)

POSTED

8 months ago

CLOSED

7 months ago
View Details
NAICS: 522310
Closed
SLED
Green Jobs Green New York- Primary Loan Servicer
Solicitation # RFP 6008
The New York State Energy Research and Development Authority (NYSERDA) is seeking a loan servicing organization to manage its Green Jobs Green New York (GJGNY) loan portfolio, which exceeds $660 million in residential loans as of April 30, 2025. The selected servicer will handle a comprehensive range of loan servicing duties including loan establishment via API integration, processing borrower payments made through automatic withdrawals, phone payments, or payments remitted by New York’s investor-owned utilities, and accurate application of these payments. Additionally, the servicer will be responsible for charging late and non-sufficient funds fees, preparing and mailing monthly statements, responding to borrower inquiries, providing payoff quotes and paid-in-full letters, offering an online portal for loan monitoring and payments, conducting collections on delinquent loans, and generating various reports. The contract term is set for 10 years, covering all counties in New York State. This solicitation does not include any specific set-aside requirements or subcontracting goals related to minority, women, service-disabled veteran, or disadvantaged-owned businesses. No prior contract awards for a similar procurement within the past five years were noted. The deadline for response submissions is January 8, 2026, at 3:00 PM. Contacts for further information include project and contract managers at NYSERDA, accessible via provided emails and phone numbers. The solicitation emphasizes seamless technological integration and comprehensive customer service to effectively manage a large and complex residential loan portfolio.
Nyserda

POSTED

11 months ago

CLOSED

8 months ago
View Details
NAICS: 522310
Closed
SLED
Request for Proposals - Examination Assistance Firm
Solicitation # DOB - 005
The Connecticut Department of Banking is seeking proposals from qualified and certified public accounting or financial consulting firms to support its examination activities of various Connecticut-chartered financial institutions. These institutions encompass a broad range of entities, including banks, trust banks, credit unions, Innovation Banks, money transmitters, mortgage brokers and lenders, and investment advisers. The primary purpose of this solicitation is to establish a qualified pool of firms that can be engaged on an as-needed basis to assist with examinations, provide specialized expertise, and potentially conduct training sessions for Department personnel. The Department emphasizes selecting firms based on their relevant expertise tailored to the specific type of financial institution being examined, ensuring that the assistance provided aligns with the unique regulatory and operational considerations of each entity. The solicitation, identified as "Request for Proposals - Examination Assistance Firm," was posted on September 16, 2025, with a deadline for responses set for October 17, 2025. The contract size is estimated to range between $500,000 and $2,000,000, reflecting the scope and potential volume of examination support required. The Department aims to compile a list of qualified firms under NAICS code 522310, which pertains to financial transaction processing, funding, and related activities. The Department’s primary contact for this RFP is Matt Saunig, reachable via email and phone. The process is open to all eligible vendors, and further details are accessible through the Connecticut Department of Administrative Services’ bid portal.
Department of Banking

POSTED

12 months ago

CLOSED

11 months ago
View Details
NAICS: 522310
SLED
Financing & Leasing Coordination for Municipal Clients
Sourcewell

POSTED

12 months ago

DEADLINE

in about 3 years
View Details
NAICS: 522310
Closed
SLED
Housing Finance Services
Solicitation # 8898
The City of Denton is seeking proposals from experienced individuals or businesses to provide housing finance services, with a focus on innovative, cost-effective solutions that deliver the best value. The solicitation emphasizes the importance of timely submission, advising respondents not to wait until the last minute due to the potentially lengthy process, and specifies that submissions must be made exclusively via IONWAVE or hard copy, with questions also to be submitted through IONWAVE only. The contract, identified as solicitation number 8898, is posted with a response deadline of October 1, 2025, and involves a project value ranging from $500,000 to $2,000,000. The selected firm should demonstrate a proven track record of using innovative approaches to meet municipal challenges and be capable of fulfilling all aspects of the requested services. Additional key requirements include compliance with Texas ethics and conflict of interest laws, as evidenced by the need for completed Texas Ethics Commission Form 1295 and Conflict of Interest Questionnaires, which ensure transparency and adherence to state and local regulations. The contract may encompass multiple categories of goods or services, and respondents have the flexibility to submit proposals for one or more categories. The primary point of contact is Kayla Clark, reachable via email and phone, and the project’s details and submission portal are accessible through the provided online link. The overarching goal is to establish a qualified partnership capable of delivering innovative, efficient housing finance solutions aligned with municipal needs and regulatory standards.
Denton

POSTED

about 1 year ago

CLOSED

11 months ago
View Details

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