NAICS Code 522291-03 - Loans

Marketing Level - NAICS 8-Digit

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Phone Numbers: 8,271
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NAICS CODE 522291-03
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NAICS Code 522291-03 Description (8-Digit)

Loans are a financial service provided by lending institutions to individuals or businesses in need of funds. The loan amount is typically repaid over a set period of time with interest. Loans can be secured or unsecured, meaning they may or may not require collateral. The lending institution will assess the borrower's creditworthiness and ability to repay the loan before approving the loan application. Loans can be used for a variety of purposes, such as purchasing a home, financing a car, or starting a business.

Parent Code - Official US Census

Official 6‑digit NAICS codes serve as the parent classification used for government registrations and documentation. The marketing-level 8‑digit codes act as child extensions of these official classifications, providing refined segmentation for more precise targeting and detailed niche insights. Related industries are listed under the parent code, offering a broader context of the industry environment. For further details on the official classification for this industry, please visit the U.S. Census Bureau NAICS Code 522291 page

Tools

Tools commonly used in the Loans industry for day-to-day tasks and operations.

  • Loan origination software
  • Credit scoring software
  • Loan servicing software
  • Loan management software
  • Loan underwriting software
  • Loan pricing software
  • Loan document preparation software
  • Loan analysis software
  • Loan portfolio management software
  • Loan accounting software

Industry Examples of Loans

Common products and services typical of NAICS Code 522291-03, illustrating the main business activities and contributions to the market.

  • Mortgage loans
  • Business loans
  • Student loans
  • Construction loans
  • Equipment loans
  • Agricultural loans
  • Real estate loans
  • Bridge loans
  • Lines of credit
  • Home equity loans

History

A concise historical narrative of NAICS Code 522291-03 covering global milestones and recent developments within the United States.

  • The Loans industry has a long and varied history, with evidence of lending dating back to ancient civilizations such as Greece and Rome. In the Middle Ages, the Catholic Church was one of the largest lenders, and in the 17th century, the first modern banks were established in Europe. In the United States, the first bank was established in 1791, and the first consumer credit bureau was founded in 1898. In the 20th century, the industry saw significant growth with the introduction of credit cards in the 1950s and the rise of online lending in the 21st century. In recent history, the Loans industry in the United States has faced significant challenges, including the subprime mortgage crisis of 2008 and the COVID-19 pandemic. The subprime mortgage crisis led to a tightening of lending standards and a decrease in the availability of credit, while the pandemic has caused a surge in loan defaults and a decrease in demand for loans. Despite these challenges, the industry has shown resilience and adaptability, with many lenders pivoting to online lending and offering new products such as small business loans and personal loans.