
Who writes mortgage guaranty in Wisconsin
Ranked by direct premium written in 2024 from the Wisconsin market share report (every company, not a top-N list).
9 companies wrote mortgage guaranty in Wisconsin in 2024, $106.9M in direct premium. Arch Mortgage Insurance Company led with 29.3%; the top five hold 89%. 13 companies are licensed for the line.
By Sam Alishahi, independent insurance broker · All lines in Wisconsin
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Arch Mortgage Insurance Company | 40266 | WI | Admitted (licensed) | $31.4M | 29.34% |
| 2 | Mortgage Guaranty Insurance Corporation | 29858 | WI | Admitted (licensed) | $24.8M | 23.16% |
| 3 | Radian Guaranty, Inc. | 33790 | PA | Admitted (licensed) | $15.9M | 14.90% |
| 4 | Enact Mortgage Insurance Corporation | 38458 | NC | Admitted (licensed) | $12.4M | 11.57% |
| 5 | National Mortgage Insurance Corporation | 13695 | WI | Admitted (licensed) | $11.0M | 10.30% |
| 6 | Essent Guaranty, Inc. | 13634 | PA | Admitted (licensed) | $10.0M | 9.33% |
| 7 | Arch Mortgage Guaranty Company | 18732 | WI | Admitted (licensed) | $1.3M | 1.22% |
| 8 | PMI Mortgage Insurance Company | 27251 | AZ | Admitted (licensed) | $157,730 | 0.15% |
| 9 | Enact Mortgage Insurance Corporation of North Carolina | 16675 | NC | Admitted (licensed) | $33,844 | 0.03% |
Method and source
Source: the Wisconsin insurance regulator company list, read 2026-10-18. Admitted = union of two OCI 2025 Wisconsin Insurance Report documents joined by normalized name: Table E market share (every insurer with 2025 WI premium, all 48 lines incl. life/annuity/A&H; gives NAIC code + lines) and the Directory of Licensed Insurers as of 12/31/2025 (gives domicile, company type, year commenced in WI; no NAIC; https://oci.wi.gov/Documents/AboutOCI/2025_WIR_Directory.pdf). Join stats: {'exact': 1249, 'fuzzy': 3, 'unmatched_xlsx': 2, 'directory_rows': 2281, 'table_e_naic': 1254, 'directory_unmatched': 1029}. Rows with naic '' are directory-only (licensed but no 2025 WI premium or name not matched); rows with type '' are Table E only (name not matched to the directory). Type codes: AR=Accredited Reinsurer; CR=Certified Reinsurer; RJR=Reciprocal Jurisdiction Reinsurer; DSL=Domestic Surplus Line; FR=Fraternal Benefit Society; CC=Continuing Care Organization; CMO=Care Management Organization; HMO=Health Maintenance Organization; IRO=Independent Review Organization; LAH=Life and Accident and Health Company; LSP=Life Settlement Provider; RRG=Risk Retention Group; LSHO=Limited Service Health Organization; MC=Motor Club Plan; SCP=Service Contract Provider; PC=Property and Casualty Company; TI=Title Company; TM=Town Mutual of Wisconsin; VPP=Vehicle Protection Plan; WP=Warranty Plan. Filter P&C with type in {PC, RRG, DSL, TM, TI} or lines among the P&C lines (Table E sheets 34-48: FIRE, FARMOWNERS MULTIPLE PERIL, HOMEOWNERS MULTIPLE PERIL, COMMERCIAL MULTIPLE PERIL, MEDICAL MALPRACTICE, WORKERS COMPENSATION, EXCESS WORKERS COMPENSATION, OTHER LIABILITY, PRIVATE PASSENGER AUTO, COMMERCIAL AUTO, FIDELITY, SURETY, CREDIT, MORTGAGE GUARANTY, TITLE; sheet 33 STOP LOSS/EXCESS LOSS; line strings are the sheet titles, which differ slightly from the TOC). Directory also lists non-insurers (SCP, WP, VPP, MC, LSP, IRO, CC, CMO) and reinsurers (AR, CR, RJR); foreign domiciles are blanked. 'since' = year commenced business in WI. Wisconsin publishes no eligible surplus lines list (NRRA home-state rule; NAIC IID list for aliens), so surplus_lines is empty. "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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