NAICS UNIVERSITY · Free research for insurance agents
Real Estate Credit
NAICS 522292 · United States · 2022 edition
This U.S. industry comprises establishments primarily engaged in lending funds with real estate as collateral.
Activities described by this code
- Home equity credit lending
- Mortgage companies
- Reverse mortgage lending
- Mortgage banking (i.e., nondepository mortgage lending)
Other activities to examine
- Servicing loans: 522390 — Other Activities Related to Credit Intermediation
- Arranging loans for others on a commission or fee basis: 522310 — Mortgage and Nonmortgage Loan Brokers
- Accepting deposits and lending funds secured by real estate: 5221 — Depository Credit Intermediation;
- Buying, pooling, and repackaging mortgage loans for sale to others on the secondary market: 522299 — International, Secondary Market, and All Other Nondepository Credit Intermediation
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Real estate credit establishments originate, underwrite, and fund mortgage loans, home equity loans, home equity lines of credit, and reverse mortgages using real estate as collateral — operating as nondepository lenders rather than banks. Day-to-day activity typically involves loan application intake, borrower qualification, title coordination, appraisal review, closing, and loan funding or sale to secondary market investors.
Questions to investigate
- What loan types are originated — conventional, FHA, VA, HELOC, reverse mortgage, or hard-money?
- What is the approximate annual origination volume and average loan size?
- In which states is the company licensed to originate loans?
- Has the company had any regulatory actions, license suspensions, or CFPB/state enforcement activity in the past five years?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.