Mortgage Guarantor Service Market Report 2026

The mortgage guarantor service market size has grown strongly in recent years. It will grow from $6.88 billion in 2025 to $7.48 billion in 2026 at a compound annual growth rate (CAGR) of 8.7%. The growth in the historic period can be attributed to increasing housing finance demand, expansion of mortgage lending activity, rising need for credit risk protection, growth of first-time homebuyer participation, increasing role of institutional guarantors.

The mortgage guarantor service market size is expected to see strong growth in the next few years. It will grow to $10.33 billion in 2030 at a compound annual growth rate (CAGR) of 8.4%. The growth in the forecast period can be attributed to growing adoption of digital underwriting models, rising focus on inclusive housing finance, expansion of online mortgage guarantee services, increasing regulatory emphasis on risk management, growing collaboration between lenders and guarantors. Major trends in the forecast period include increasing adoption of institutional mortgage guarantees, rising use of risk-sharing credit structures, growing demand for credit access support services, expansion of digital mortgage guarantee platforms, enhanced focus on default risk mitigation.

The increase in home sales is driving the expansion of the mortgage guarantor service market due to greater loan accessibility and reduced lending risk. Home sales refer to the number of residential properties purchased by individuals or families. This rise is primarily fueled by falling mortgage interest rates, which make home loans more affordable and attract more buyers to the housing market. Mortgage guarantor services mitigate lending risks for banks, allowing more buyers with limited credit or income to secure loans, thereby expanding homeownership opportunities and accelerating property transactions. For example, according to the National Association of Realtors, a US-based trade association representing the real estate industry, total existing-home sales in 2024 reached 4.29 million, up from 3.91 million in 2023. Consequently, the growth in home sales is boosting the mortgage guarantor service market.

Leading companies in the mortgage guarantor service market are focusing on developing sophisticated solutions such as end-to-end mortgage guarantee platforms to improve the borrower experience. These digital platforms manage the entire mortgage guarantee process, enhancing efficiency and minimizing manual errors to enable faster loan processing for lenders and borrowers alike. For instance, in July 2025, SBI Credit Guarantee Co., Ltd., a Japan-based financial services company, launched a mortgage guarantee business using the nCino platform as its digital foundation to speed up operations and facilitate rapid market entry. The platform’s comprehensive integration allowed for quicker processing, scalability, and adaptability to changing customer and business demands. This initiative helped SBI improve customer experience while strengthening its position in the mortgage guarantee market.

In June 2024, Arch U.S. MI Holdings Inc., a US-based provider of private mortgage insurance and reinsurance services, acquired RMIC Companies, Inc. (RMIC) for an undisclosed amount. The acquisition aims to utilize Arch MI’s scale to realize significant expense and capital synergies and to reinforce Arch’s standing in the U.S. private mortgage insurance sector. RMIC Companies, Inc. is a US-based provider of run-off mortgage guaranty insurance, servicing existing loans.

Major companies operating in the mortgage guarantor service market are Mortgage Guaranty Insurance Corporation, Genworth Financial Inc., Radian Group Inc., Essent Group Ltd., NMI Holdings Inc., Arch Capital Group Ltd., QBE Insurance Group Limited, PMI Mortgage Insurance Co., India Mortgage Guarantee Corporation Pvt Ltd., Canada Mortgage and Housing Corporation, Sagen MI Canada Inc., Guaranty Trust Holding Company Plc, Hollard Insurance Company Pty Ltd., AmTrust International Limited, China United Guarantee Co. Ltd., Korea Housing Finance Corporation, Japan Housing Finance Agency, Federal Housing Administration, Veterans Affairs Loan Guaranty Service, Africa Guarantee Fund, Export Credit Guarantee Corporation of India Ltd., National Housing Bank India, Home Guarantee Insurance Corporation, Central Mortgage and Housing Corporation, Sociedad Hipotecaria Federal.

North America was the largest region in the mortgage guarantor service market in 2025. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in the mortgage guarantor service market report are Asia-Pacific, South East Asia, Western Europe, Eastern Europe, North America, South America, Middle East, Africa. The countries covered in the mortgage guarantor service market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Taiwan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The mortgage guarantor service market includes revenues earned by entities through loan guarantee services, credit enhancement solutions, mortgage insurance, risk assessment and underwriting support, and financial advisory services. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

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