United Guaranty

Name

United Guaranty

Legal name

United Guaranty

Website

https://ugcorp.com

Company type

Public

Founded year

1963

Operating status

Acquired

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Private Mortgage Insurance

NAICS

Finance and Insurance (52), Credit Intermediation and Related Activities (522)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Mortgage Default Insurance & Loss Mitigation Services (Claims, Recoveries, MI Servicing) (FSALAJAH)

Keywords

• Private mortgage insurance
• Mortgage insurance underwriting
• Master policy administration
• Loan servicing platform
• MI cancellation processing

Headquarters

HQ city

Greensboro

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Mortgage Insurance Premiums: United Guaranty generates revenue through mortgage insurance premiums charged to lenders and borrowers. Premium types include Monthly Premiums (paid in arrears), Single/Borrower-Paid Single Premiums (refundable and non-refundable options), and Annual Premiums. Premiums are subject to state surcharges including Kentucky (1.8%) and West Virginia (0.55%) premium surcharges.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

United Guaranty provides private mortgage insurance (MI) products and ongoing servicing for loans insured prior to its acquisition by Arch Capital Group Ltd. The company serves lenders, credit unions, servicers, and Master Policy holders with MI origination, underwriting (including EZ Decisioning and the Medical/Dental Program), policy servicing, loss mitigation, claims processing, and refund management, delivered through the CONNECT platform and RateStar integration.

Product overview

United Guaranty, now operating as part of Arch Mortgage Insurance under Arch Capital Group, provides mortgage insurance support and servicing for loans insured prior to its acquisition. The offering is delivered through the Arch MI platform—a comprehensive suite that integrates MI origination tools (RateStar for quotes, CONNECT for order management), underwriting guidelines and quality control, policy servicing capabilities, loss mitigation and claims processing, training resources, and regulatory compliance support. United Guaranty's legacy products including Master Policy management, instant loan modification programs, and specialized credit union offerings (CU SwiftClose) have been integrated into the Arch MI ecosystem.

Differentiator

Problem solved

Functional benefit

Products and services

• Private Mortgage Insurance (PMI) for United Guaranty Legacy Loans Private mortgage insurance coverage for residential mortgage loans insured by United Guaranty prior to acquisition by Arch Capital Group. Includes ongoing servicing support for lenders, credit unions, servicers, and Master Policy holders, with premium options (Monthly, Single/Borrower-Paid Single, Annual) and state premium surcharges applied where applicable.
• CONNECT Servicing Platform Self-service web and EDI platform for loan status lookup, MI ordering, cancellation processing, and refund viewing. Supports both individual certificate processing and batch EDI submissions for lender and servicer efficiency.
• RateStar MI Quoting MI quote request integration enabling seamless quoting within lender origination systems through technology partner integrations.
• Master Policy with Policy Commitment Letter (PCL) Document set defining underwriting, claims, and appeals policies governing the entire insurance relationship between United Guaranty/Arch MI and Master Policy holders, including automatic updates of underwriting requirements and exceptions.
• EZ Decisioning Underwriting Streamlined underwriting quick reference guide system for eligible borrowers, including Medical/Dental Program applicants and a dedicated Credit Union version with CU SwiftClose.
• MI Cancellation Processing MI cancellation processing for lenders and servicers, including HPA-compliant cancellation at 78% LTV, with refund eligibility determined by policy type and ACH refund deposits within 5 business days of cancellation.
• Loss Mitigation and Claims Processing Loss mitigation programs and claims processing services for loan servicers, including default reporting and resolution pathways for insured loans.
• Instant Modification Program Loan modification program for loans with reset or conversion clauses such as balloon reset or ARM to fixed-rate conversions.

Quantifiable outcome

• Default reporting requirement: 60 days delinquent under new Master Policy (effective October 1, 2014)
• +2 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Direct peers

• MGIC Investment Corporation: MGIC is one of the largest US private mortgage insurance providers, offering PMI on residential mortgages. Direct peer to United Guaranty/Arch MI in the same private MI product category serving US lenders and originators.
• Radian Group Inc. Radian is a major US private mortgage insurance company providing MI on residential mortgages, with a similar lender/customer base and recurring premium revenue model. Directly comparable to United Guaranty in scale and product offering.
• Essent Group Ltd. Essent Group is a Bermuda-domiciled US private mortgage insurance provider focused on high-LTV residential MI. Closely comparable business model and customer base to United Guaranty/Arch MI.
• Enact Holdings, Inc. Enact (formerly Genworth Mortgage Insurance) is a major US private mortgage insurance company writing PMI on residential mortgages. Directly comparable product, customer base, and regulatory profile to United Guaranty.
• NMI Holdings, Inc. NMI Holdings operates National Mortgage Insurance, a US private MI provider competing head-to-head with United Guaranty on lender relationships, GSE-approved underwriting, and high-LTV residential coverage.

Broad incumbents

• Arch Capital Group Ltd. Arch Capital Group is the publicly traded Bermuda-domiciled parent of United Guaranty and Arch MI, with broader insurance, reinsurance, and mortgage insurance segments. Incumbent parent that now consolidates United Guaranty's MI business.
• Fannie Mae: Fannie Mae is a US GSE that requires private mortgage insurance on high-LTV conforming loans. Sets the regulatory and counterparty framework within which United Guaranty operates, including approved MI list and PMIER requirements.
• Freddie Mac: Freddie Mac is the other US GSE that mandates private MI on high-LTV conforming loans. As a major purchaser of MI-insured mortgages, it shapes United Guaranty's product requirements and servicing standards.
• Federal Housing Administration (FHA): The FHA provides government-backed mortgage insurance and is the primary public-sector alternative to private MI. Defines the competitive ceiling and subsidy dynamics that shape United Guaranty's market opportunity.

Others

• ICE Mortgage Technology (ICE / Black Knight): ICE Mortgage Technology provides loan origination, servicing, and MI-ordering technology infrastructure used by US lenders. Comparable as a technology/integration partner ecosystem that enables platforms like United Guaranty's CONNECT and RateStar to embed within lender workflows.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/UnitedGuaranty
• LinkedInlinkedin.com/company/united-guaranty-corporation

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United Guaranty