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  "slug": "enact-holdings-inc",
  "name": "Enact Holdings, Inc.",
  "updatedAt": "2026-10-02T15:37:02.874183Z",
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    {
      "type": "OVERVIEW",
      "text": "Enact Holdings, Inc. is a U.S. mortgage insurance company whose core business is providing private mortgage guaranty insurance for residential loans, primarily covering low-down-payment mortgages. Its insurance helps protect mortgage lenders and investors against losses if borrowers do not repay their loans. Enact operates in the mortgage insurance sector and reports one business segment, Mortgage Insurance. [P65017975] [P50614332] [P115214447]\n\nThe company’s business is focused on the United States, where it operates in all 50 states and the District of Columbia. Enact describes its mission as “To help people buy a house and keep it their home.” [P65017975]\n\nFor 2025, Enact reported total revenue of approximately $1.236 billion. The company reported 419 employees as of December 31, 2025. [T8803858] [https://ir.enactmi.com/financials-and-filings/annual-reports] The mortgage insurance business has served the U.S. housing finance market since 1981; Enact Holdings was incorporated in 2012 and completed its minority initial public offering in September 2021. [P65017975] [P70948937]\n[P65017975][P50614332][P115214447][T8803858][https://ir.enactmi.com/financials-and-filings/annual-reports][P70948937][https://ir.enactmi.com/financials-and-filings/annual-reports]",
      "updatedAt": "2026-10-02T15:37:02.874183Z"
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    {
      "type": "PRODUCTS",
      "text": "Enact’s principal product is private mortgage insurance (MI), which protects mortgage lenders against credit losses on covered low-down-payment loans and can support lenders’ risk management, lending capacity and sale of loans into the secondary market. [P19386803] Its primary MI is offered through borrower-paid and lender-paid plans, with recurring monthly, single-premium and annual-premium structures; split-premium plans combine an upfront payment with monthly premiums. [P104300968][P72440305][P70365156][https://enactmi.com/premium-plans] Enact says its premiums are risk-based, with rates fixed for the first 10 policy years and reset lower thereafter. [P70365156]\n\nEnact also offers pool MI, which insures a defined group of loans and may use a deductible, an aggregate stop-loss cap, or both; modified pool policies may also limit exposure on individual loans. Pool MI is generally used as additional credit enhancement in secondary-market transactions, though Enact reported pool-insurance insurance in force as insignificant. [P38614574]\n\nServices supporting these products include delegated and non-delegated loan underwriting: approved lenders can underwrite eligible loans to Enact’s guidelines, while Enact individually reviews files submitted through its underwriting system. [P83383406][P16145450] Its proprietary risk model evaluates loan-level factors to estimate default probability, loss severity, prepayment and volatility under expected and stressed scenarios. [P96388428][P101553724] Lender tools include Rate360 for tailored MI pricing and Rate Express for comparing MI quotes and loan options. [https://enactmi.com/Rate360][https://enactmi.com/rate-express/rate-express] Enact also provides default tracking, claims processing and loss-mitigation support, including work with servicers and government-sponsored enterprises. [P37732367][https://servicing.enactmi.com/][https://servicing.enactmi.com/default-servicing]\n\nFor product mix, single-premium policies represented 9% of primary insurance in force at year-end 2025; monthly-premium policies represented 96% of new insurance written in the fourth quarter of 2025. [P71587982][P25975939]\n[P19386803][P104300968][P72440305][P70365156][P38614574][P83383406][P16145450][P96388428][P101553724][P37732367][P71587982][P25975939][https://enactmi.com/premium-plans][https://enactmi.com/Rate360][https://enactmi.com/rate-express/rate-express][https://servicing.enactmi.com/][https://servicing.enactmi.com/default-servicing][https://enactmi.com/premium-plans][https://enactmi.com/Rate360][https://enactmi.com/rate-express/rate-express][https://servicing.enactmi.com/][https://servicing.enactmi.com/default-servicing]",
      "updatedAt": "2026-10-02T15:37:02.874183Z"
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    {
      "type": "GEOGRAPHY",
      "text": "Enact Holdings’ core market is the United States residential mortgage market. Its filings do not provide revenue shares by country, region, or state; instead, they report geographic exposure by risk in force (RIF). At June 30, 2026, California represented 12% of RIF, Texas and Florida 9% each, and New York 5%; all other states combined represented 44%. These are portfolio exposure figures, not revenue percentages. [P19386803][T17191767]\n\nAt December 31, 2025, Enact had 419 full-time employees, all working in the United States. Fifty-one percent worked in its Raleigh, North Carolina office, and 49% were in the field, predominantly in sales and underwriting; employees and contractors could also work remotely. [P54971269]\n[P19386803][T17191767][P54971269]",
      "updatedAt": "2026-10-02T15:37:02.874183Z"
    },
    {
      "type": "SEGMENTS",
      "text": "Enact Holdings reports one operating and reportable segment: Mortgage Insurance. It writes and assumes residential mortgage guaranty insurance in the United States, providing mortgage credit protection to customers in return for premiums. The company manages this business on a consolidated basis, so the single reportable segment represents 100% of its reported segment business; it does not disclose revenue shares across multiple reportable segments. [P150205674][P70365156]\n\nFor FY2025, premiums were approximately 79% of consolidated revenue ($980.5 million of $1,235.8 million). This is a revenue-source mix within the Mortgage Insurance segment, not a split between segments. [T8803858]\n\nThe company also reports Primary and Pool categories for new insurance written; these are production categories, not separate reportable segments. In the six months ended June 30, 2026, new insurance written was entirely Primary, with no Pool production. [P150205781][T17191744]\n[P150205674][P70365156][T8803858][T8803858][P150205781][T17191744]",
      "updatedAt": "2026-10-02T15:37:02.874183Z"
    },
    {
      "type": "HISTORY",
      "text": "Enact’s business roots date to a private mortgage-insurance operation founded in 1980; company materials describe Genworth Mortgage Insurance Corporation as operating since 1981. The business later became part of Genworth Financial, formed from GE’s insurance operations, which completed its IPO in May 2004.[https://info.enactmi.com/][https://ir.enactmi.com/news-releases/news-release-details/introducing-enact-leading-private-mortgage-insurance-group][https://www.ge.com/news/press-releases/ge-announces-filing-registration-statementfor-ipo-genworth-financial][https://investor.genworth.com/sec-filings/all-sec-filings/content/0001047469-04-019562/a2137729z8-k.htm]\n\nThe company now known as Enact Holdings was incorporated in Delaware in December 2012 as Genworth Mortgage Holdings, Inc.[P42247365] In May 2021, it adopted the Enact Holdings name and introduced the Enact brand.[P42247365][https://ir.enactmi.com/news-releases/news-release-details/introducing-enact-leading-private-mortgage-insurance-group]\n\nEnact completed its IPO in September 2021, with shares beginning to trade on Nasdaq that month. The offering was a partial sale by Genworth Holdings, rather than a full spin-off; Enact’s 2026 second-quarter filing identifies the IPO as covering 18.4% of its common stock and confirms its continued place in the Genworth corporate group.[P14081667][P150205415][https://www.sec.gov/Archives/edgar/data/1276520/000119312521280741/d212909d8k.htm]\n[P42247365][P14081667][P150205415][https://info.enactmi.com/][https://ir.enactmi.com/news-releases/news-release-details/introducing-enact-leading-private-mortgage-insurance-group][https://www.ge.com/news/press-releases/ge-announces-filing-registration-statementfor-ipo-genworth-financial][https://investor.genworth.com/sec-filings/all-sec-filings/content/0001047469-04-019562/a2137729z8-k.htm][https://www.sec.gov/Archives/edgar/data/1276520/000119312521280741/d212909d8k.htm]",
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