Who writes mortgage guaranty in Texas
Ranked by direct premium written in 2025 from the Texas Department of Insurance market share report (every company, not a top-N list).
11 companies wrote mortgage guaranty in Texas in 2025, $561.0M in direct premium. Essent Guaranty, Inc. led with 21.2%; the top five hold 87%.
By Sam Alishahi, independent insurance broker · All lines in Texas
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Essent Guaranty, Inc. | 13634 | PA | Writes (premium reported) | $118.8M | 21.18% |
| 2 | Radian Guaranty, Inc. | 33790 | PA | Writes (premium reported) | $113.9M | 20.30% |
| 3 | Enact Mortgage Insurance Corporation | 38458 | NC | Writes (premium reported) | $94.9M | 16.91% |
| 4 | Mortgage Guaranty Insurance Corporation | 29858 | WI | Writes (premium reported) | $90.6M | 16.15% |
| 5 | Arch Mortgage Insurance Company | 40266 | WI | Writes (premium reported) | $70.9M | 12.64% |
| 6 | National Mortgage Insurance Corporation | 13695 | WI | Writes (premium reported) | $64.9M | 11.58% |
| 7 | United Guaranty Residential Insurance Company | 15873 | NC | Writes (premium reported) | $5.9M | 1.05% |
| 8 | Enact Mortgage Insurance Corporation of North Carolina | 16675 | NC | Writes (premium reported) | $541,029 | 0.10% |
| 9 | PMI Mortgage Insurance Company | 27251 | AZ | Writes (premium reported) | $482,655 | 0.09% |
| 10 | Arch Mortgage Guaranty Company | 18732 | WI | Writes (premium reported) | $68,689 | 0.01% |
| 11 | MGIC Indemnity Corporation | 18740 | WI | Writes (premium reported) | $2,393 | 0.00% |
Method and source
Source: the Texas Department of Insurance company list, read 2026-10-17. "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.
Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.
Someone will insure it. I find who.
Send what you need covered and what happened before. I match it to the companies that take it, down to the last-resort plan if it comes to that. I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.