Who writes mortgage guaranty in Washington
The 9 largest writers by premium in 2025 from the Washington Office of the Insurance Commissioner and the Surplus Line Association of Washington market report (a top-9 list, shares of earned premium).
The 9 largest writers of mortgage guaranty in Washington in 2025: Radian Guaranty, Inc. led with 19.7% of the state's premium; the top five hold 86%.
By Sam Alishahi, independent insurance broker · All lines in Washington
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Radian Guaranty, Inc. | 33790 | PA | Admitted (licensed) | $35.9M | 19.68% |
| 2 | Mortgage Guaranty Insurance Corporation | 29858 | WI | Admitted (licensed) | $31.8M | 17.39% |
| 3 | Essent Guaranty, Inc. | 13634 | PA | Admitted (licensed) | $30.5M | 16.72% |
| 4 | Arch Mortgage Insurance Company | 40266 | WI | Admitted (licensed) | $30.1M | 16.50% |
| 5 | Enact Mortgage Insurance Corporation | 38458 | NC | Admitted (licensed) | $28.1M | 15.41% |
| 6 | National Mortgage Insurance Corporation | 13695 | WI | Admitted (licensed) | $24.5M | 13.42% |
| 7 | United Guaranty Residential Insurance Company | 15873 | NC | Admitted (licensed) | $1.4M | 0.78% |
| 8 | Arch Mortgage Guaranty Company | 18732 | WI | Admitted (licensed) | $99,000 | 0.05% |
| 9 | Enact Mortgage Insurance Corporation of North Carolina | 16675 | NC | Admitted (licensed) | $45,000 | 0.02% |
Method and source
Source: the Washington Office of the Insurance Commissioner and the Surplus Line Association of Washington company list, read 2026-10-17 and the surplus lines list. Washington's authorized list comes from the OIC's 2025 market report (Appendix D), which leaves out authorized companies with no premium that year. Premiums are in thousands. "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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