Who writes mortgage guaranty in North Carolina
Ranked by direct premium written in 2025 from the North Carolina market share report (every company, not a top-N list).
11 companies wrote mortgage guaranty in North Carolina in 2025, $190.5M in direct premium. Arch Mortgage Insurance Company led with 19.4%; the top five hold 85%.
By Sam Alishahi, independent insurance broker · All lines in North Carolina
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Arch Mortgage Insurance Company | 40266 | WI | Admitted (licensed) | $37.0M | 19.40% |
| 2 | Mortgage Guaranty Insurance Corporation | 29858 | WI | Admitted (licensed) | $35.4M | 18.60% |
| 3 | Enact Mortgage Insurance Corporation | 38458 | NC | Admitted (licensed) | $33.1M | 17.37% |
| 4 | Essent Guaranty, Inc. | 13634 | PA | Admitted (licensed) | $29.4M | 15.42% |
| 5 | Radian Guaranty, Inc. | 33790 | PA | Admitted (licensed) | $28.0M | 14.70% |
| 6 | National Mortgage Insurance Corporation | 13695 | WI | Admitted (licensed) | $22.9M | 12.03% |
| 7 | United Guaranty Residential Insurance Company | 15873 | NC | Admitted (licensed) | $4.0M | 2.08% |
| 8 | Enact Mortgage Insurance Corporation of North Carolina | 16675 | NC | Admitted (licensed) | $429,340 | 0.23% |
| 9 | PMI Mortgage Insurance Company | 27251 | AZ | Admitted (licensed) | $335,096 | 0.18% |
| 10 | Arch Mortgage Guaranty Company | 18732 | WI | Admitted (licensed) | $7,392 | 0.00% |
| 11 | MGIC Indemnity Corporation | 18740 | WI | Admitted (licensed) | $1,604 | 0.00% |
Method and source
Source: the North Carolina insurance regulator company list, read 2026-10-18 and the surplus lines list. NCDOI P7 Property and Casualty Experience, year ended 12/31/2025: every company that filed an NC state page (P&C annual statement). 'admitted' = rows whose 'Licensed in NC' column reads 'Licensed' (includes zero-premium licensed companies and NC self-insured workers' comp funds, which have no NAIC code and type 'Self-Insured Workers' Compensation'). 'surplus_lines' = rows reading 'Authorized Surplus Lines Writer' (US nonadmitted insurers that wrote NC surplus lines business that year; alien/Lloyd's not broken out, eligible date not given). Rows 'Not Licensed' or blank (mostly risk retention groups) are dropped. 'type' = Business Type / Company Type [/ Company Sub Type]; all rows are Property and Casualty filers (no life/health in this file). 'lines' = NAIC annual-statement lines of business the company reported in NC with direct premium written or earned > 0 that year (lines actually written, not certificate-of-authority lines). 'since' not given. Status counts in file: {'Licensed': 825, '': 73, 'Authorized Surplus Lines Writer': 193, 'Not Licensed': 39}. "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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