Community Banks

As one of the strongest, most reliable mortgage insurance (MI) providers in the industry, you can rely on us to support your community’s mortgage needs and to help you build a portfolio of high-quality, well-diversified loans. 

Why choose Essent

  • Strength and expertise. Our investment-grade ratings of BBB+ (Stable) from Standard & Poor’s and Baa1 (Positive) from Moody’s confirm our deep financial strength.1
  • Straightforward coverage. Our Master Policy with Clarity of Coverage® promises fair and transparent claims-paying practices, including the ability to shorten the time period for rescission relief and to select the type of relief that best fits your needs.
  • Day-One protection. We take responsibility for our work. Once we complete a Non-Delegated or QA review on your borrower's loan, we won’t challenge underwriting mistakes that we should have caught.
  • Competitive loan products. We offer competitive and sustainable loan programs, such as Affordable Housing/HFA, Jumbo and Doctor/Professional loans, to help you accommodate every borrower's financial situation.
  • Homebuyer education. We are committed to helping homebuyers become educated homeowners. That’s why we are pleased to offer our homebuyer education program to your borrowers.2
  • Clear-cut claims servicing. Our Clarity of Servicing program pledges our commitment to default and servicing treatment that is fair, objective and consistent.

Visit our Standard Rates & Guidelines page to get our current rates and to learn more about our loan products.

1 For more information about Standard & Poor’s ratings, go to Information about Moody’s Investors Service ratings is available at
2 Enrollment is limited to 30 borrowers per calendar year.