Lenders Mortgage Insurance Market Report 2026

The lenders mortgage insurance market size has grown strongly in recent years. It will grow from $9.85 billion in 2025 to $10.48 billion in 2026 at a compound annual growth rate (CAGR) of 6.4%. The growth in the historic period can be attributed to increasing demand for low-deposit home loans, expansion of residential mortgage lending, rising property ownership rates, availability of mortgage risk mitigation products, adoption of insurance-backed lending models.

The lenders mortgage insurance market size is expected to see strong growth in the next few years. It will grow to $13.33 billion in 2030 at a compound annual growth rate (CAGR) of 6.2%. The growth in the forecast period can be attributed to increasing digitization of mortgage insurance services, rising focus on affordable housing finance, expansion of first-time homebuyer programs, growing use of advanced risk analytics, increasing collaboration between lenders and insurers. Major trends in the forecast period include increasing adoption of risk-based mortgage insurance models, rising use of digital underwriting platforms, growing integration of automated credit assessment, expansion of flexible premium structures, enhanced focus on regulatory compliance.

The rising housing prices are expected to drive growth in the lenders mortgage insurance market in the coming years. Housing prices represent the amount of money needed to buy residential properties in a particular area over a certain time frame. The increase in housing prices is influenced by low interest rates, which make borrowing more affordable and boost demand for homes, pushing prices higher. Lender’s mortgage insurance supports these rising prices by enabling higher loan-to-value lending, allowing more buyers to enter the market with smaller down payments. This increases accessibility to homeownership, sustaining demand and contributing to stability in the housing market. For example, in July 2025, the United States Census Bureau, a US government agency, reported that the average sales price of new houses sold in June 2025 was $501 million, up from $487.2 million in June 2024. Thus, rising housing prices are fueling the growth of the lenders mortgage insurance market.

Key players in the lenders mortgage insurance (LMI) market are focusing on advanced digital innovations such as distributed ledger technology (DLT)-based platforms to improve transparency, streamline operations, and reduce risks. Distributed ledger technology platforms are decentralized digital systems that record, share, and synchronize transactions or data across multiple nodes without relying on a central authority. For instance, in March 2025, Magyar Nemzeti Bank (MNB), the central bank of Hungary, launched a blockchain-based digital register for mortgages and home insurance utilizing DLT. This platform enables secure, paperless, and GDPR-compliant sharing of insurance data between lenders and insurers, eliminating manual document submissions from homeowners. It ensures real-time updates, reduces fraud risks, and enhances regulatory compliance by maintaining a tamper-proof record of lenders mortgage insurance policies.

In June 2024, Arch U.S. MI Holdings Inc., a US-based insurance services firm, acquired RMIC Companies Inc. for an undisclosed sum. Through this acquisition, Arch U.S. MI Holdings Inc. aims to leverage the scale of its platform to realize significant expense and capital synergies, while swiftly maximizing the value of integrating RMIC’s run-off mortgage insurance portfolio into its existing U.S. primary mortgage insurance business. RMIC Companies Inc. is a US-based insurer specializing in lender-focused mortgage insurance.

Major companies operating in the lenders mortgage insurance market are Commonwealth Bank Lenders Mortgage Insurance Limited, QBE Insurance Group (QBE LMI), Westpac LMI., Suncorp Lenders Mortgage Insurance Limited., National Australia Bank Limited., Arch Capital Group Ltd., Old Republic International Corporation, Genworth Financial Inc., Radian Guaranty Inc., Mortgage Guaranty Insurance Corporation, CUNA Mutual Holding Company, Essent Group Ltd., Sagen MI Canada Inc., Helia Group Limited, Triad Guaranty Insurance Corporation, United Guaranty Corporation, National Mortgage Insurance Corporation, Canada Guaranty Mortgage Insurance Company, AmTrust Europe Limited, CMG Mortgage Insurance Company.

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

The lenders mortgage insurance market includes revenues earned by entities through risk assessment and underwriting, lender protection coverage, premium financing options, claims management, and regulatory compliance support. 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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