Essent Group Ltd. (NYSE: ESNT) is a publicly traded insurance holding company specializing in private mortgage insurance and mortgage reinsurance solutions. Through its primary subsidiary, Essent Guaranty, the company provides credit protection to mortgage lenders, helping mitigate the risk of borrower default on residential mortgage loans. Essent’s insurance policies enable lenders to offer low-down-payment programs, supporting homebuyers in achieving homeownership with reduced upfront equity requirements.
Beyond traditional mortgage insurance, Essent offers a suite of risk management and analytics services designed to help financial institutions monitor and manage mortgage portfolios. These services include automated underwriting integrations, predictive analytics, portfolio surveillance, and capital markets execution. In addition, Essent Reinsurance provides customized reinsurance solutions that allow insurers to optimize capital usage, tailor risk exposure and enhance overall balance-sheet flexibility.
Founded in 2008 and commencing operations in 2010, Essent completed its initial public offering in December 2013. The company is incorporated in Bermuda with its executive headquarters in Jersey City, New Jersey. Essent’s operations span all 50 states, where it has established relationships with a broad range of mortgage lenders, including banks, credit unions and independent mortgage bankers.
Essent’s management team comprises experienced professionals in insurance underwriting, risk management and capital markets. The company maintains robust financial strength and governance standards, underpinned by ratings from major rating agencies. Essent continues to focus on innovation in mortgage insurance technology, client service excellence and disciplined risk selection to support sustainable growth in the U.S. housing finance market.