6-digit U.S. detail
522310
住宅ローンおよび住宅ローン以外のローンブローカー
Description
住宅ローンおよび住宅ローン以外のローンブローカーセクターの企業は、重要な仲介業者として機能し、借り手をさまざまな融資機関と結び付けています。主な役割は、不動産担保または個人資産によるローンを、直接融資を行わない状態で、容易に実行することです。これらのブローカーは、手数料またはコミッションに基づいて運営され、顧客を融資機関にマッチングさせ、有利な条件で取引を完了させます。典型的なビジネス活動には、借り手の資格評価、銀行、信用組合、およびプライベート投資家からのローン調達、金利、手数料、および返済構造の交渉などが含まれます。彼らは、住宅ローンと商業融資の両方を扱ったり、特定のローンタイプまたはリスクプロファイルに特化したりすることがあります。オペレーターは、高度なリスク分析能力を持つ大規模な独立系企業から、地元の市場に焦点を当てた小規模な個人事業主まで、さまざまな規模の企業を含みます。一部の企業は、特定の機関の代理人として機能したり、建設融資や住宅ローン再融資などのニッチ市場に特化したりすることもあります。規模の面で、この業界は、さまざまな資本ベースを持つ多様な企業を含んでいますが、すべては、資本供給者と借り手を最適化することで、市場の流動性を高めるという共通の機能を共有しています。このセクターは、融資ライフサイクル全体で規制遵守を維持しながら、借り手が資金を得られるように、より広範な金融エコシステムにおいて重要な役割を果たしています。
Hierarchy
| Code | Title | Description |
|---|---|---|
| 52 | Finance and Insurance 2-digit sector | The Sector as a Whole The Finance and Insurance sector comprises establishments primarily engaged in financial transactions (transactions involving the creation, liquidation, or change in ownership of financial assets) and/or in facilitating financial transactions. Three principal types of activities are identified: 1. Raising funds by taking deposits and/or issuing securities and, in the process, incurring liabilities. Establishments engaged in this activity use raised funds to acquire financial assets by making loans and/or purchasing securities. Putting themselves at risk, they channel funds from lenders to borrowers and transform or repackage the funds with respect to maturity, scale, and risk. This activity is known as financial intermediation. 2. Pooling of risk by underwriting insurance and annuities. Establishments engaged in this activity collect fees, insurance premiums, or annuity considerations; build up reserves; invest those reserves; and make contractual payments. Fees are based on the expected incidence of the insured risk and the expected return on investment. 3. Providing specialized services facilitating or supporting financial intermediation, insurance, and employee benefit programs. In addition, monetary authorities charged with monetary control are included in this sector. The subsectors, industry groups, and industries within the Finance and Insurance sector are defined on the basis of their unique production processes. As with all industries, the production processes are distinguished by their use of specialized human resources and specialized physical capital. In addition, the way in which these establishments acquire and allocate financial capital, their source of funds, and the use of those funds provides a third basis for distinguishing characteristics of the production process. For instance, the production process in raising funds through deposit-taking is different from the process of raising funds in bond or money markets. The process of making loans to individuals also requires different production processes than does the creation of investment pools or the underwriting of securities. Most of the Finance and Insurance subsectors contain one or more industry groups of (1) intermediaries with similar patterns of raising and using funds and (2) establishments engaged in activities that facilitate, or are otherwise related to, that type of financial or insurance intermediation. Industries within this sector are defined in terms of activities for which a production process can be specified, and many of these activities are not exclusive to a particular type of financial institution. To deal with the varied activities taking place within existing financial institutions, the approach is to split these institutions into components performing specialized services. This requires defining the units engaged in providing those services and developing procedures that allow for their delineation. These units are the equivalents for finance and insurance of the establishments defined for other industries. The output of many financial services, as well as the inputs and the processes by which they are combined, cannot be observed at a single location and can only be defined at a higher level of the organizational structure of the enterprise. Additionally, a number of independent activities that represent separate and distinct production processes may take place at a single location belonging to a multilocation financial firm. Activities are more likely to be homogeneous with respect to production characteristics than are locations, at least in financial services. The classification defines activities broadly enough that it can be used both by those classifying by location and by those employing a more top-down approach to the delineation of the establishment. Establishments engaged in activities that facilitate, or are otherwise related to, the various types of intermediation are included in multiple subsectors, rather than in a separate subsector dedicated to services alone, because these services are performed by intermediaries, as well as by specialist establishments, and the extent to which the activity of the intermediaries can be separately identified is not clear. Financial industries are extensive users of electronic means for facilitating the verification of financial balances, authorizing transactions, transferring funds to and from transactors' accounts, notifying banks (or credit card issuers) of the individual transactions, and providing daily summaries. Since these transaction processing activities are integral to the production of finance and insurance services, establishments that principally provide a financial transaction processing service are classified in this sector, rather than in the data processing industry in the Information sector. Legal entities that hold portfolios of assets on behalf of others are significant and data on them are required for a variety of purposes. Thus, for NAICS, these funds, trusts, and other financial vehicles are the fifth subsector of the Finance and Insurance sector. These entities earn interest, dividends, and other property income, but have little or no employment and no revenue from the sale of services. Separate establishments and employees devoted to the management of funds are classified in Industry Group 5239, Other Financial Investment Activities. |
| 522 | Credit Intermediation and Related Activities 3-digit subsector | Industries in the Credit Intermediation and Related Activities subsector group establishments that (1) lend funds raised from depositors; (2) lend funds raised from credit market borrowing; or (3) facilitate the lending of funds or issuance of credit by engaging in such activities as mortgage and loan brokerage, clearinghouse and reserve services, and check cashing services. |
| 5223 | Activities Related to Credit Intermediation 4-digit industry group | This industry group comprises establishments primarily engaged in facilitating credit intermediation by performing activities, such as arranging loans by bringing borrowers and lenders together and clearing checks and credit card transactions. |
| 52231 | Mortgage and Nonmortgage Loan Brokers 5-digit NAICS industry | This industry group comprises establishments primarily engaged in facilitating credit intermediation by performing activities, such as arranging loans by bringing borrowers and lenders together and clearing checks and credit card transactions. |
| 522310 | 住宅ローンおよび住宅ローン以外のローンブローカー 6-digit U.S. detail | 住宅ローンおよび住宅ローン以外のローンブローカーセクターの企業は、重要な仲介業者として機能し、借り手をさまざまな融資機関と結び付けています。主な役割は、不動産担保または個人資産によるローンを、直接融資を行わない状態で、容易に実行することです。これらのブローカーは、手数料またはコミッションに基づいて運営され、顧客を融資機関にマッチングさせ、有利な条件で取引を完了させます。典型的なビジネス活動には、借り手の資格評価、銀行、信用組合、およびプライベート投資家からのローン調達、金利、手数料、および返済構造の交渉などが含まれます。彼らは、住宅ローンと商業融資の両方を扱ったり、特定のローンタイプまたはリスクプロファイルに特化したりすることがあります。オペレーターは、高度なリスク分析能力を持つ大規模な独立系企業から、地元の市場に焦点を当てた小規模な個人事業主まで、さまざまな規模の企業を含みます。一部の企業は、特定の機関の代理人として機能したり、建設融資や住宅ローン再融資などのニッチ市場に特化したりすることもあります。規模の面で、この業界は、さまざまな資本ベースを持つ多様な企業を含んでいますが、すべては、資本供給者と借り手を最適化することで、市場の流動性を高めるという共通の機能を共有しています。このセクターは、融資ライフサイクル全体で規制遵守を維持しながら、借り手が資金を得られるように、より広範な金融エコシステムにおいて重要な役割を果たしています。 |
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Classification References
- 01不動産を担保として融資を行う活動は、U.S. Industry 522292、不動産信用に分類されます。
- 02不動産担保による預金と融資を行う活動は、Industry Group 5221、預金信用仲介に分類されます。
- 03ローン管理を行う活動は、Industry 522390、その他の信用仲介関連活動に分類されます。
- 04住宅ローンを買い、集約し、他の市場に販売するためにパッケージ化する活動は、U.S. Industry 522299、国際、二次市場、およびその他の非預金信用仲介に分類されます。
Index Items
機関、ローン
ブローカー、ローン
ブローカー、住宅ローン
ブローカー事務所、ローン
ブローカー事務所、住宅ローン
ローンブローカー
ローンブローカーまたはエージェントの事務所（つまり、独立）
住宅ローンブローカー
住宅ローンブローカーまたはエージェントの事務所（つまり、独立）
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