Who writes mortgage guaranty in Illinois
Ranked by direct premium written in 2025 from the Illinois market share report (every company, not a top-N list).
10 companies wrote mortgage guaranty in Illinois in 2025, $255.5M in direct premium. Radian Guaranty, Inc. led with 21.5%; the top five hold 87%. 12 companies are licensed for the line.
By Sam Alishahi, independent insurance broker · All lines in Illinois
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Radian Guaranty, Inc. | 33790 | PA | Admitted (licensed) | $55.0M | 21.54% |
| 2 | Enact Mortgage Insurance Corporation | 38458 | NC | Admitted (licensed) | $50.8M | 19.90% |
| 3 | Mortgage Guaranty Insurance Corporation | 29858 | WI | Admitted (licensed) | $49.6M | 19.42% |
| 4 | Arch Mortgage Insurance Company | 40266 | WI | Admitted (licensed) | $37.2M | 14.55% |
| 5 | National Mortgage Insurance Corporation | 13695 | WI | Admitted (licensed) | $28.9M | 11.33% |
| 6 | Essent Guaranty, Inc. | 13634 | PA | Admitted (licensed) | $26.3M | 10.29% |
| 7 | United Guaranty Residential Insurance Company | 15873 | NC | Admitted (licensed) | $6.0M | 2.35% |
| 8 | PMI Mortgage Insurance Company | 27251 | AZ | Admitted (licensed) | $1.1M | 0.44% |
| 9 | Arch Mortgage Guaranty Company | 18732 | WI | Admitted (licensed) | $334,915 | 0.13% |
| 10 | Enact Mortgage Insurance Corporation of North Carolina | 16675 | NC | Admitted (licensed) | $146,221 | 0.06% |
Method and source
Source: the Illinois insurance regulator company list, read 2026-10-18. IDOI 2025 Market Share Report: Property and Casualty (published March 2026, 2025 annual-statement data). Lists every company with Illinois business written on the P&C statement: licensed companies, surplus lines insurers and risk retention groups together, with no status/type flag, so type is '' for all rows and the list is NOT a certificate-of-authority roster (a licensed company with zero IL premium and zero losses is omitted; non-admitted writers are included). 'lines' = P&C statement lines of business the company reported IL premium or losses under (48 of 54 lines have entries), a proxy for lines of authority. No 'since' date in the source. No Illinois surplus lines eligibility list exists (IL has no white list). 26 companies had a name or domicile cell missing in at least one PDF row; filled from the same NAIC code's other rows. "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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