About Essent

About Essent

Founded in 2008, we are a private mortgage insurer, approved by Fannie Mae and Freddie Mac and licensed nationwide.

We offer private mortgage insurance, also known as mortgage guaranty insurance, MI or Private MI, for single-family mortgage loans in the United States, providing private capital to mitigate mortgage credit risk for lenders and investors. This, in turn, allows lenders to make additional mortgage financing available to prospective homeowners.

We are focused on managing risk and dedicated to serving as a strong and fair counterparty. As a company, we bring strong private capital and a commitment to risk management to the mortgage insurance industry. As of September 30, 2022, Essent Guaranty was in compliance with the Private Mortgage Insurer Eligibility Requirements (PMIERs).

We continue to build long-term partnerships with customers nationwide who have come to rely on our capital strength and the superior contract terms of our signature Master Policy with Clarity of Coverage®.

Financial Strength Ratings play an important role in helping lenders to evaluate their mortgage insurance counterparties. Here are our most recent ratings:

Rating Agency


Standard & Poor’s




A.M. Best

A (Excellent)

For more information, visit “Ratings Definitions” in the Ratings section at moodys.com, the “Ratings Methodologies” section at ambest.com and “Understanding Credit Ratings” at spratings.com.