Who writes mortgage guaranty in California
Ranked by direct premium written in 2025 from the California Department of Insurance market share report (every company, not a top-N list).
11 companies wrote mortgage guaranty in California in 2025, $538.7M in direct premium. Enact Mortgage Insurance Corporation led with 21.7%; the top five hold 86%.
By Sam Alishahi, independent insurance broker · All lines in California
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Enact Mortgage Insurance Corporation | 38458 | NC | Admitted (licensed) | $117.0M | 21.71% |
| 2 | Essent Guaranty, Inc. | 13634 | PA | Admitted (licensed) | $109.4M | 20.32% |
| 3 | Mortgage Guaranty Insurance Corporation | 29858 | WI | Admitted (licensed) | $92.9M | 17.25% |
| 4 | Radian Guaranty, Inc. | 33790 | PA | Admitted (licensed) | $75.9M | 14.09% |
| 5 | National Mortgage Insurance Corporation | 13695 | WI | Admitted (licensed) | $67.9M | 12.60% |
| 6 | Arch Mortgage Insurance Company | 40266 | WI | Admitted (licensed) | $65.1M | 12.08% |
| 7 | United Guaranty Residential Insurance Company | 15873 | NC | Admitted (licensed) | $6.0M | 1.11% |
| 8 | PMI Mortgage Insurance Company | 27251 | AZ | Admitted (licensed) | $2.4M | 0.45% |
| 9 | Arch Mortgage Guaranty Company | 18732 | WI | Admitted (licensed) | $1.2M | 0.22% |
| 10 | Enact Mortgage Insurance Corporation of North Carolina | 16675 | NC | Admitted (licensed) | $968,619 | 0.18% |
| 11 | MGIC Indemnity Corporation | 18740 | WI | Admitted (licensed) | $574 | 0.00% |
Method and source
Source: the California Department of Insurance company list, read 2026-10-17 and the surplus lines list. California's company search lists every company on file (all lines, including some no longer active); P&C status comes from the merge. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.
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