Who writes mortgage guaranty in South Dakota
Ranked by direct premium written in 2025 from the South Dakota market share report (every company, not a top-N list).
10 companies wrote mortgage guaranty in South Dakota in 2025, $13.9M in direct premium. Mortgage Guaranty Insurance Corporation led with 23.8%; the top five hold 92%.
By Sam Alishahi, independent insurance broker · All lines in South Dakota
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Mortgage Guaranty Insurance Corporation | 29858 | WI | Admitted (licensed) | $3.3M | 23.84% |
| 2 | Arch Mortgage Insurance Company | 40266 | WI | Admitted (licensed) | $3.2M | 23.33% |
| 3 | Radian Guaranty, Inc. | 33790 | PA | Admitted (licensed) | $2.4M | 17.49% |
| 4 | National Mortgage Insurance Corporation | 13695 | WI | Admitted (licensed) | $2.1M | 14.90% |
| 5 | Enact Mortgage Insurance Corporation | 38458 | NC | Admitted (licensed) | $1.7M | 12.38% |
| 6 | Essent Guaranty, Inc. | 13634 | PA | Admitted (licensed) | $948,847 | 6.83% |
| 7 | United Guaranty Residential Insurance Company | 15873 | NC | Admitted (licensed) | $104,953 | 0.76% |
| 8 | Arch Mortgage Guaranty Company | 18732 | WI | Admitted (licensed) | $57,269 | 0.41% |
| 9 | PMI Mortgage Insurance Company | 27251 | AZ | Admitted (licensed) | $7,738 | 0.06% |
| 10 | Enact Mortgage Insurance Corporation of North Carolina | 16675 | NC | Admitted (licensed) | $1,118 | 0.01% |
Method and source
Source: the South Dakota insurance regulator company list, read 2026-10-18. SD publishes no licensing roster. This is the SD Division of Insurance market share report set for 2025 (NAIC i-site, CodeList Basis: Licensed): every licensed company that reported SD direct premium on its 2025 annual statement, so licensed companies with no SD premium are absent. type = statement type of the total report(s) the company appears in (Property & Casualty / Life / Health / Title; Life covers both the Life & Annuity and the Life A&H totals). lines = SD per-line reports in which the company wrote direct premium > 0, named as the report headers name them (P&C lines plus the A&H lines filed on P&C/Life statements). Farm mutuals sheet (no NAIC codes) and the 'all statement types' aggregates skipped. No surplus lines eligibility list is published by SD (surplus lines filings go through the SLIP+ clearinghouse). 1 company(ies) found only in a per-line report, not in any total, left out: 38920 Kinsale Ins Co (Aircraft - All Perils). "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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