Essent Guaranty, Inc. entered the market in 2010 as the first new mortgage insurance company in over a decade. Essent’s mission is to serve the housing finance industry by providing private capital to bear mortgage credit risk for lenders and investors, enabling them to make safe and affordable mortgage financing available for homeowners. The company's capital strength comes from $600 million in invested and committed equity funding from a group of premier investors. By guarding lenders and investors against the risk of credit losses, Essent demonstrates a commitment to—and confidence in—U.S. homebuyers and the evolving housing finance system. And with Clarity of Coverage, the company is leading the way to a more sustainable future for the housing industry. Essent Guaranty, Inc. is a member of the Essent Group Ltd. family of companies, which offers private mortgage insurance and reinsurance coverage for single-family mortgage loans in the United States.

Genworth Financial is a leading insurance holding company serving the lifestyle protection, retirement income, investment and mortgage insurance needs of more than 15 million customers in 20 countries, including the U.S., Canada, Australia and more than a dozen European countries. Recognized as a global leader, Genworth's Mortgage Insurance business, underwritten by General Electric Mortgage Insurance Corporation, has been helping families and individuals realize the dream of homeownership for over 20 years.

The PMI Group, Inc. headquartered in Walnut Creek, California, is an international provider of credit enhancement products and lender services that promote homeownership and facilitate mortgage transactions in the capital markets. Through its wholly-owned subsidiaries and unconsolidated strategic investments, the company offers residential mortgage insurance and credit enhancement products domestically and internationally, lender services and financial guaranty reinsurance.

Radian Group Inc., is a global credit risk management company headquartered in Philadelphia with significant operations in both New York and London. Radian develops innovative financial solutions by applying its core mortgage credit risk expertise and structured finance capabilities to the credit enhancement needs of the capital markets worldwide, primarily through credit insurance products. The company also provides credit enhancement for public finance and other corporate and consumer assets on both a direct and reinsurance basis and holds strategic interests in active credit-based consumer asset businesses.

Republic Mortgage Insurance Company is a national provider of private mortgage insurance, providing a competitive array of premium rates and quality services including Contract Underwriting, the industry’s first Zero Initial Premium plan, RMICDirect for online servicing, RMIC’s Electronic Loan Submission (ELS), Customer education seminars and affordable housing programs. RMIC’s private mortgage insurance coverage allows lenders to approve mortgage loans with smaller down payments.

United Guaranty Corporation is a member company of American International Group, Inc. (AIG). AIG is the world's leading insurance and financial services organization, with operations in approximately 130 countries and jurisdictions. Our subsidiaries have provided mortgage guaranty insurance for primary mortgages for nearly 40 years, home improvement and second mortgages for more than 30 years, and contract loan review and underwriting services since 1990. We also provide value-added services to the mortgage industry.

“Having this connection is one more step in our evolution to a paperless underwriting process…Being able to transmit, receive and share imaged files is not only more efficient, it also gives lenders faster service on their mortgage loan underwriting, which is one of our top priorities.”

George Baity
Vice President of Business Systems
AIG United Guaranty