
Who writes mortgage guaranty in Colorado
From the Colorado company list; alphabetical, since Colorado doesn't publish every company's premium by line.
13 insurers are licensed for mortgage guaranty in Colorado on the regulator's list. Essent Group wrote the most in 2025 (22.9% of the state's premium).
By Sam Alishahi, independent insurance broker · All lines in Colorado
The companies
| Company | NAIC | Home state | Status here | Lines |
|---|---|---|---|---|
| ARCH Mortgage Assurance Company | 29114 | WI | Admitted (licensed) | Mortgage guaranty |
| Arch Mortgage Guaranty Company | 18732 | WI | Admitted (licensed) | Mortgage guaranty |
| Arch Mortgage Insurance Company | 40266 | WI | Admitted (licensed) | Mortgage guaranty |
| Enact Mortgage Insurance Corporation | 38458 | NC | Admitted (licensed) | Mortgage guaranty |
| Enact Mortgage Insurance Corporation of North Carolina | 16675 | NC | Admitted (licensed) | Mortgage guaranty |
| Essent Guaranty, Inc. | 13634 | PA | Admitted (licensed) | Mortgage guaranty |
| MGIC Credit Assurance Corporation | 10682 | WI | Admitted (licensed) | Mortgage guaranty |
| MGIC Indemnity Corporation | 18740 | WI | Admitted (licensed) | Mortgage guaranty |
| Mortgage Guaranty Insurance Corporation | 29858 | WI | Admitted (licensed) | Mortgage guaranty |
| National Mortgage Insurance Corporation | 13695 | WI | Admitted (licensed) | Mortgage guaranty |
| PMI Mortgage Insurance Company | 27251 | AZ | Admitted (licensed) | Mortgage guaranty |
| Radian Guaranty, Inc. | 33790 | PA | Admitted (licensed) | Mortgage guaranty |
| United Guaranty Residential Insurance Company | 15873 | NC | Admitted (licensed) | Mortgage guaranty |
Method and source
Source: the Colorado insurance regulator company list, read 2026-10-18 and the surplus lines list. ADMITTED = Colorado 2025 Insurance Industry Statistical Report (CY2024 data), sheet 'NAIC Companies' (every NAIC-coded company filing with the CO Division of Insurance, 1839 companies) joined to 'NAIC Companies Data' (type) and the 63 line-of-business sheets (lines written in CO + Lic flag). Lic flag per line sheet, consistent per company across sheets (0 conflicts): Y = licensed/admitted, S = surplus lines, N = not licensed, N/A = not applicable. Cross-check: 125/127 Lic=S companies are on the DOI eligible-nonadmitted PDF and 0 Lic=Y companies are. 'admitted' holds Lic=Y (1169) plus 281 companies that file with the CO DOI but wrote no CO premium in CY2024 (no Lic flag; lic='') and are not on the surplus PDF. 'not_admitted' (extra key, 456 rows, same row shape) holds Lic=S/N/N/A companies and no-premium companies that are on the surplus PDF. Row extras: lic (flag as given), group (NAIC group number stripped from the name). 'type' as given: Company Filing Statement Type / Business Type / Business Sub Type Statement Type: P = Property L = Life X = Health Business Type: F = Fraternal G = Other L = Life P = Property R = Risk T = Title X = Health Business Sub Type: HI = Hospital,Medical,Dental or Indemnity HM = Health Maintainance Org LH = Limited Health Service Org N = None PD = Prepaid Dental. Life/health/title companies are included (filter on type: first letter P = property/casualty statement, L = life, X = health; 'P/R/N' = risk retention group, 'T/T/N' = title). 'lines' = CO line-of-business sheets the company reported premium on in CY2024 (not lines of authority; a licensed company with no CO premium has lines=[]). 'since' is not in the source (left ''). Names are NAIC-style abbreviations. 74 companies appear in line sheets but not in the master list (mostly N/N/A). SURPLUS_LINES = DOI 'Colorado Eligible Nonadmitted Insurers Writing Surplus Lines' PDF, effective July 1, 2026, updated 9/16/26; 261 rows (227 NAIC-coded + 34 alien with AA- codes; naic='' and aa_code set for aliens). Colorado has no stamping office. PDF has no domicile column: domicile filled from the statistical report master list where the NAIC code matches (213 of 227). eligible = list effective date, not the insurer's first-eligible date. Prior-year reports: https://doi.colorado.gov/colorado-insurance-industry-statistical-report. "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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