HAMILTON, Bermuda–(BUSINESS WIRE)–Essent Group Ltd. (NYSE: ESNT) today reported net income for the quarter ended March 31, 2022 of $274.2 million or $2.52 per diluted share, compared to $135.6 million or $1.21 per diluted share for the quarter ended March 31, 2021.\n<\/p>\n
<\/a><\/p>\n \nEssent also announced today that its Board of Directors has declared a quarterly cash dividend of $0.21 per common share. The dividend is payable on June 10, 2022, to shareholders of record on June 1, 2022.\n<\/p>\n \n\u201cOur strong results for the quarter reflect the continued favorable credit performance of our portfolio,\u201d said Mark A. Casale, Chairman and Chief Executive Officer. \u201cOur outlook on housing remains positive, and we believe that the fundamentals of our business remain solid. More importantly, with the strength of our balance sheet and buy, manage, and distribute operating model, we are built to manage through economic cycles. In connection with that, we are pleased to announce that our Board has approved an increase in our quarterly dividend to $0.21 per share.\u201d\n<\/p>\n \nFirst Quarter 2022 Financial Highlights:\n<\/p>\n Insurance in force as of March 31, 2022 was $206.8 billion, compared to $207.2 billion as of December 31, 2021 and $197.1 billion as of March 31, 2021.<\/p>\n New insurance written for the first quarter was $12.8 billion, compared to $16.4 billion in the fourth quarter of 2021 and $19.3 billion in the first quarter of 2021.<\/p>\n Net premiums earned for the first quarter were $215.3 million, compared to $217.3 million in the fourth quarter of 2021 and $219.1 million in the first quarter of 2021.<\/p>\n Income from other invested assets for the first quarter was $24.7 million, compared to $15.0 million in the fourth quarter of 2021.<\/p>\n The expense ratio for the first quarter was 18.9%, compared to 19.0% in the fourth quarter of 2021 and 19.3% in the first quarter of 2021.<\/p>\n The provision for losses and LAE for the first quarter was a benefit of $106.9 million, compared to a benefit of $3.4 million in the fourth quarter of 2021 and a provision of $32.3 million in the first quarter of 2021.<\/p>\n The provision in the first quarter of 2022 included a $101.2 million benefit associated with a change in the claim rate assumption for COVID-19 defaults recorded in the second and third quarters of 2020.<\/p>\n The percentage of loans in default as of March 31, 2022 was 1.93%, compared to 2.16% as of December 31, 2021 and 3.70% as of March 31, 2021.<\/p>\n The combined ratio for the first quarter was negative (30.7%), compared to 17.4% in the fourth quarter of 2021 and 34.0% in the first quarter of 2021.<\/p>\n The consolidated balance of cash and investments at March 31, 2022 was $5.1 billion, which includes holding company net cash and investments available for sale of $578.6 million.<\/p>\n The combined risk-to-capital ratio of the U.S. mortgage insurance business, which includes statutory capital for both Essent Guaranty, Inc. and Essent Guaranty of PA, Inc., was 9.9:1 as of March 31, 2022.<\/p>\n During the quarter, we entered into a second quota share reinsurance transaction with a panel of highly rated third-party reinsurers. The quota share agreement covers 20% of all eligible policies written by Essent Guaranty, Inc. for the period January 1, 2022 through December 31, 2022.<\/p>\n Essent\u2019s Board of Directors has authorized a new share repurchase plan of up to $250 million of the Company\u2019s common shares through December 31, 2023. The prior repurchase authorization from May 2021 was completed in April 2022.<\/p>\n \nConference Call:\n<\/p>\n \nEssent management will hold a conference call at 10:00 AM Eastern time today to discuss its results. The conference call will be broadcast live over the Internet at http:\/\/ir.essentgroup.com\/events-and-presentations\/events\/default.aspx<\/a>. The call may also be accessed by dialing 888-330-2384 inside the U.S., or 240-789-2701 for international callers, using passcode 9824537 or by referencing Essent.\n<\/p>\n \nA replay of the webcast will be available on the Essent website approximately two hours after the live broadcast ends for a period of one year. A replay of the conference call will be available approximately two hours after the call ends for a period of two weeks, using the following dial-in numbers and passcode: 800-770-2030 inside the U.S., or 647-362-9199 for international callers, passcode 9824537.\n<\/p>\n \nIn addition to the information provided in the Company’s earnings news release, other statistical and financial information, which may be referred to during the conference call, will be available on Essent’s website at http:\/\/ir.essentgroup.com\/financials\/quarterly-results\/default.aspx<\/a>.\n<\/p>\n \nForward-Looking Statements:\n<\/p>\n \nThis press release may include \u201cforward-looking statements\u201d which are subject to known and unknown risks and uncertainties, many of which may be beyond our control. Forward-looking statements generally can be identified by the use of forward-looking terminology such as “may,” “will,” \u201cshould,\u201d \u201cexpect,\u201d “plan,” “anticipate,” “believe,” \u201cestimate,\u201d \u201cpredict,\u201d or “potential” or the negative thereof or variations thereon or similar terminology. Actual events, results and outcomes may differ materially from our expectations due to a variety of known and unknown risks, uncertainties and other factors. Although it is not possible to identify all of these risks and factors, they include, among others, the following: the impact of COVID-19 and related economic conditions; changes in or to Fannie Mae and Freddie Mac (the \u201cGSEs\u201d), whether through Federal legislation, restructurings or a shift in business practices; failure to continue to meet the mortgage insurer eligibility requirements of the GSEs; competition for customers; lenders or investors seeking alternatives to private mortgage insurance; deteriorating economic conditions (including inflation, rising interest rates and other adverse economic trends); an increase in the number of loans insured through Federal government mortgage insurance programs, including those offered by the Federal Housing Administration; decline in new insurance written and franchise value due to loss of a significant customer; decline in the volume of low down payment mortgage originations; the definition of “Qualified Mortgage” reducing the size of the mortgage origination market or creating incentives to use government mortgage insurance programs; the definition of “Qualified Residential Mortgage” reducing the number of low down payment loans or lenders and investors seeking alternatives to private mortgage insurance; the implementation of the Basel III Capital Accord discouraging the use of private mortgage insurance; a decrease in the length of time that insurance policies are in force; uncertainty of loss reserve estimates; our non-U.S. operations becoming subject to U.S. Federal income taxation; becoming considered a passive foreign investment company for U.S. Federal income tax purposes; and other risks and factors described in Part I, Item 1A \u201cRisk Factors\u201d of our Annual Report on Form 10-K for the year ended December 31, 2021 filed with the Securities and Exchange Commission on February 16, 2022, as subsequently updated through other reports we file with the Securities and Exchange Commission. Any forward-looking information presented herein is made only as of the date of this press release, and we do not undertake any obligation to update or revise any forward-looking information to reflect changes in assumptions, the occurrence of unanticipated events, or otherwise.\n<\/p>\n \nAbout the Company:\n<\/p>\n \nEssent Group Ltd. (NYSE: ESNT) is a Bermuda-based holding company (collectively with its subsidiaries, \u201cEssent\u201d) which, through its wholly-owned subsidiary, Essent Guaranty, Inc., offers private mortgage insurance for single-family mortgage loans in the United States. Essent provides private capital to mitigate mortgage credit risk, allowing lenders to make additional mortgage financing available to prospective homeowners. Headquartered in Radnor, Pennsylvania, Essent Guaranty, Inc. is licensed to write mortgage insurance in all 50 states and the District of Columbia, and is approved by Fannie Mae and Freddie Mac. Essent also offers mortgage-related insurance, reinsurance and advisory services through its Bermuda-based subsidiary, Essent Reinsurance Ltd. Essent is committed to supporting environmental, social and governance (\u201cESG\u201d) initiatives that are relevant to the company and align with the companywide dedication to responsible corporate citizenship that positively impacts the community and people served. Additional information regarding Essent may be found at www.essentgroup.com<\/a> and www.essent.us<\/a>.\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nEssent Group Ltd. and Subsidiaries\n<\/p>\n \nFinancial Results and Supplemental Information (Unaudited)\n<\/p>\n \nQuarter Ended March 31, 2022\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nExhibit A\n<\/p>\n \n\u00a0\n<\/p>\n \nCondensed Consolidated Statements of Comprehensive Income (Unaudited)\n<\/p>\n \nExhibit B\n<\/p>\n \n\u00a0\n<\/p>\n \nCondensed Consolidated Balance Sheets (Unaudited)\n<\/p>\n \nExhibit C\n<\/p>\n \n\u00a0\n<\/p>\n \nHistorical Quarterly Data\n<\/p>\n \nExhibit D\n<\/p>\n \n\u00a0\n<\/p>\n \nNew Insurance Written\n<\/p>\n \nExhibit E\n<\/p>\n \n\u00a0\n<\/p>\n \nInsurance in Force and Risk in Force\n<\/p>\n \nExhibit F\n<\/p>\n \n\u00a0\n<\/p>\n \nOther Risk in Force\n<\/p>\n \nExhibit G\n<\/p>\n \n\u00a0\n<\/p>\n \nPortfolio Vintage Data\n<\/p>\n \nExhibit H\n<\/p>\n \n\u00a0\n<\/p>\n \nReinsurance Vintage Data\n<\/p>\n \nExhibit I\n<\/p>\n \n\u00a0\n<\/p>\n \nPortfolio Geographic Data\n<\/p>\n \nExhibit J\n<\/p>\n \n\u00a0\n<\/p>\n \nRollforward of Defaults and Reserve for Losses and LAE\n<\/p>\n \nExhibit K\n<\/p>\n \n\u00a0\n<\/p>\n \nDetail of Reserves by Default Delinquency\n<\/p>\n \nExhibit L\n<\/p>\n \n\u00a0\n<\/p>\n \nInvestments Available for Sale\n<\/p>\n \nExhibit M\n<\/p>\n \n\u00a0\n<\/p>\n \nInsurance Company Capital\n<\/p>\n \u00a0<\/p>\n \u00a0<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nExhibit A\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nEssent Group Ltd. and Subsidiaries\n<\/p>\n \nCondensed Consolidated Statements of Comprehensive Income (Unaudited)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nThree Months Ended March 31,\n<\/p>\n \n(In thousands, except per share amounts)<\/span>\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2022\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2021\n<\/p>\n \n\u00a0\n<\/p>\n \nRevenues:\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nDirect premiums written\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n220,254\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n235,257\n<\/p>\n \n\u00a0\n<\/p>\n \nCeded premiums\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(20,523\n<\/p>\n \n)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(30,896\n<\/p>\n \n)\n<\/p>\n \nNet premiums written\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n199,731\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n204,361\n<\/p>\n \n\u00a0\n<\/p>\n \nDecrease in unearned premiums\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n15,599\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n14,706\n<\/p>\n \n\u00a0\n<\/p>\n \nNet premiums earned\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n215,330\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n219,067\n<\/p>\n \n\u00a0\n<\/p>\n \nNet investment income\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n24,680\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n21,788\n<\/p>\n \n\u00a0\n<\/p>\n \nRealized investment (losses) gains, net\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(7,352\n<\/p>\n \n)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n641\n<\/p>\n \n\u00a0\n<\/p>\n \nIncome from other invested assets\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n24,705\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n526\n<\/p>\n \n\u00a0\n<\/p>\n \nOther income\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n7,248\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2,775\n<\/p>\n \n\u00a0\n<\/p>\n \nTotal revenues\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n264,611\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n244,797\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nLosses and expenses:\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(Benefit) provision for losses and LAE\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(106,858\n<\/p>\n \n)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n32,322\n<\/p>\n \n\u00a0\n<\/p>\n \nOther underwriting and operating expenses\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n40,796\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n42,239\n<\/p>\n \n\u00a0\n<\/p>\n \nInterest expense\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2,226\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2,051\n<\/p>\n \n\u00a0\n<\/p>\n \nTotal losses and expenses\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(63,836\n<\/p>\n \n)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n76,612\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nIncome before income taxes\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n328,447\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n168,185\n<\/p>\n \n\u00a0\n<\/p>\n \nIncome tax expense\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n54,280\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n32,537\n<\/p>\n \n\u00a0\n<\/p>\n \nNet income\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n274,167\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n135,648\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nEarnings per share:\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nBasic\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n2.53\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n1.21\n<\/p>\n \n\u00a0\n<\/p>\n \nDiluted\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2.52\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n1.21\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nWeighted average shares outstanding:\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nBasic\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n108,166\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n112,016\n<\/p>\n \n\u00a0\n<\/p>\n \nDiluted\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n108,590\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n112,378\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nNet income\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n274,167\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n135,648\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nOther comprehensive income (loss):\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nChange in unrealized depreciation of investments\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(203,006\n<\/p>\n \n)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(59,203\n<\/p>\n \n)\n<\/p>\n \nTotal other comprehensive loss\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(203,006\n<\/p>\n \n)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(59,203\n<\/p>\n \n)\n<\/p>\n \nComprehensive income\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n71,161\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n76,445\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nLoss ratio\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(49.6\n<\/p>\n \n%)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n14.8\n<\/p>\n \n%\n<\/p>\n \nExpense ratio\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n18.9\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n19.3\n<\/p>\n \n\u00a0\n<\/p>\n \nCombined ratio\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(30.7\n<\/p>\n \n%)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n34.0\n<\/p>\n \n%\n<\/p>\n \u00a0<\/p>\n \u00a0<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nExhibit B\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nEssent Group Ltd. and Subsidiaries\n<\/p>\n \nCondensed Consolidated Balance Sheets (Unaudited)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nMarch 31,\n<\/p>\n \n\u00a0\n<\/p>\n \nDecember 31,\n<\/p>\n \n(In thousands, except per share amounts)<\/span>\n<\/p>\n \n\u00a0\n<\/p>\n \n2022\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2021\n<\/p>\n \n\u00a0\n<\/p>\n \nAssets\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nInvestments\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nFixed maturities available for sale, at fair value\n<\/p>\n \n$\n<\/p>\n \n4,145,542\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n4,649,800\n<\/p>\n \n\u00a0\n<\/p>\n \nShort-term investments available for sale, at fair value\n<\/p>\n \n\u00a0\n<\/p>\n \n517,363\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n313,087\n<\/p>\n \n\u00a0\n<\/p>\n \nTotal investments available for sale\n<\/p>\n \n\u00a0\n<\/p>\n \n4,662,905\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n4,962,887\n<\/p>\n \n\u00a0\n<\/p>\n \nOther invested assets\n<\/p>\n \n\u00a0\n<\/p>\n \n212,521\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n170,472\n<\/p>\n \n\u00a0\n<\/p>\n \nTotal investments\n<\/p>\n \n\u00a0\n<\/p>\n \n4,875,426\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n5,133,359\n<\/p>\n \n\u00a0\n<\/p>\n \nCash\n<\/p>\n \n\u00a0\n<\/p>\n \n203,845\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n81,491\n<\/p>\n \n\u00a0\n<\/p>\n \nAccrued investment income\n<\/p>\n \n\u00a0\n<\/p>\n \n23,233\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n26,546\n<\/p>\n \n\u00a0\n<\/p>\n \nAccounts receivable\n<\/p>\n \n\u00a0\n<\/p>\n \n45,167\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n46,157\n<\/p>\n \n\u00a0\n<\/p>\n \nDeferred policy acquisition costs\n<\/p>\n \n\u00a0\n<\/p>\n \n11,148\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n12,178\n<\/p>\n \n\u00a0\n<\/p>\n \nProperty and equipment\n<\/p>\n \n\u00a0\n<\/p>\n \n20,308\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n11,921\n<\/p>\n \n\u00a0\n<\/p>\n \nPrepaid federal income tax\n<\/p>\n \n\u00a0\n<\/p>\n \n360,810\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n360,810\n<\/p>\n \n\u00a0\n<\/p>\n \nOther assets\n<\/p>\n \n\u00a0\n<\/p>\n \n46,208\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n49,712\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nTotal assets\n<\/p>\n \n$\n<\/p>\n \n5,586,145\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n5,722,174\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nLiabilities and Stockholders’ Equity\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nLiabilities\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nReserve for losses and LAE\n<\/p>\n \n$\n<\/p>\n \n293,072\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n407,445\n<\/p>\n \n\u00a0\n<\/p>\n \nUnearned premium reserve\n<\/p>\n \n\u00a0\n<\/p>\n \n169,786\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n185,385\n<\/p>\n \n\u00a0\n<\/p>\n \nNet deferred tax liability\n<\/p>\n \n\u00a0\n<\/p>\n \n359,919\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n373,654\n<\/p>\n \n\u00a0\n<\/p>\n \nCredit facility borrowings, net of deferred costs\n<\/p>\n \n\u00a0\n<\/p>\n \n420,073\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n419,823\n<\/p>\n \n\u00a0\n<\/p>\n \nOther accrued liabilities\n<\/p>\n \n\u00a0\n<\/p>\n \n128,227\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n99,753\n<\/p>\n \n\u00a0\n<\/p>\n \nTotal liabilities\n<\/p>\n \n\u00a0\n<\/p>\n \n1,371,077\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n1,486,060\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nCommitments and contingencies\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nStockholders’ Equity\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nCommon shares, $0.015 par value:\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nAuthorized – 233,333; issued and outstanding – 108,140 shares in 2022 and 109,377 shares in 2021\n<\/p>\n \n\u00a0\n<\/p>\n \n1,622\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n1,641\n<\/p>\n \n\u00a0\n<\/p>\n \nAdditional paid-in capital\n<\/p>\n \n\u00a0\n<\/p>\n \n1,358,583\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n1,428,952\n<\/p>\n \n\u00a0\n<\/p>\n \nAccumulated other comprehensive (loss) income\n<\/p>\n \n\u00a0\n<\/p>\n \n(152,299\n<\/p>\n \n)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n50,707\n<\/p>\n \n\u00a0\n<\/p>\n \nRetained earnings\n<\/p>\n \n\u00a0\n<\/p>\n \n3,007,162\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2,754,814\n<\/p>\n \n\u00a0\n<\/p>\n \nTotal stockholders’ equity\n<\/p>\n \n\u00a0\n<\/p>\n \n4,215,068\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n4,236,114\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nTotal liabilities and stockholders’ equity\n<\/p>\n \n$\n<\/p>\n \n5,586,145\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n5,722,174\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nReturn on average equity (1)\n<\/p>\n \n\u00a0\n<\/p>\n \n26.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n16.8\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(1) The 2022 return on average equity is calculated by dividing annualized year-to-date 2022 net income by average equity. The 2021 return on average equity is calculated by dividing full year 2021 net income by average equity.\n<\/p>\n \u00a0<\/p>\n \u00a0<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nExhibit C\n<\/p>\n \u00a0<\/p>\n \nEssent Group Ltd. and Subsidiaries\n<\/p>\n \nSupplemental Information\n<\/p>\n \nHistorical Quarterly Data\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2022\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2021\n<\/p>\n \nSelected Income Statement Data\n<\/p>\n \n\u00a0\n<\/p>\n \nMarch 31\n<\/p>\n \n\u00a0\n<\/p>\n \nDecember 31\n<\/p>\n \n\u00a0\n<\/p>\n \nSeptember 30\n<\/p>\n \n\u00a0\n<\/p>\n \nJune 30\n<\/p>\n \n\u00a0\n<\/p>\n \nMarch 31\n<\/p>\n \n(In thousands, except per share amounts)<\/span>\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nRevenues:\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nNet premiums earned:\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nU.S. Mortgage Insurance Portfolio\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n203,312\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n205,877\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n207,127\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n204,149\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n207,840\n<\/p>\n \n\u00a0\n<\/p>\n \nGSE and other risk share\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n12,018\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n11,444\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n11,591\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n13,288\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n11,227\n<\/p>\n \n\u00a0\n<\/p>\n \nNet premiums earned\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n215,330\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n217,321\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n218,718\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n217,437\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n219,067\n<\/p>\n \n\u00a0\n<\/p>\n \nNet investment income\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n24,680\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n23,661\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n21,573\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n21,743\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n21,788\n<\/p>\n \n\u00a0\n<\/p>\n \nRealized investment (losses) gains, net\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(7,352\n<\/p>\n \n)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(191\n<\/p>\n \n)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n221\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(253\n<\/p>\n \n)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n641\n<\/p>\n \n\u00a0\n<\/p>\n \nIncome from other invested assets (1)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n24,705\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n14,997\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n40,741\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n122\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n526\n<\/p>\n \n\u00a0\n<\/p>\n \nOther income (2)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n7,248\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n1,128\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2,283\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n4,212\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2,775\n<\/p>\n \n\u00a0\n<\/p>\n \nTotal revenues\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n264,611\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n256,916\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n283,536\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n243,261\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n244,797\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nLosses and expenses:\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(Benefit) provision for losses and LAE\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(106,858\n<\/p>\n \n)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(3,433\n<\/p>\n \n)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(7,483\n<\/p>\n \n)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n9,651\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n32,322\n<\/p>\n \n\u00a0\n<\/p>\n \nOther underwriting and operating expenses\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n40,796\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n41,232\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n42,272\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n41,114\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n42,239\n<\/p>\n \n\u00a0\n<\/p>\n \nInterest expense\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2,226\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2,095\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2,063\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2,073\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2,051\n<\/p>\n \n\u00a0\n<\/p>\n \nTotal losses and expenses\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(63,836\n<\/p>\n \n)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n39,894\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n36,852\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n52,838\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n76,612\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nIncome before income taxes\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n328,447\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n217,022\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n246,684\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n190,423\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n168,185\n<\/p>\n \n\u00a0\n<\/p>\n \nIncome tax expense (3)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n54,280\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n36,035\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n41,331\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n30,628\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n32,537\n<\/p>\n \n\u00a0\n<\/p>\n \nNet income\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n274,167\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n180,987\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n205,353\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n159,795\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n135,648\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nEarnings per share:\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nBasic\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n2.53\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n1.65\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n1.85\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n1.43\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n1.21\n<\/p>\n \n\u00a0\n<\/p>\n \nDiluted\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2.52\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n1.64\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n1.84\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n1.42\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n1.21\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nWeighted average shares outstanding:\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nBasic\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n108,166\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n109,550\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n111,001\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n112,118\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n112,016\n<\/p>\n \n\u00a0\n<\/p>\n \nDiluted\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n108,590\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n110,028\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n111,387\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n112,454\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n112,378\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nBook value per share\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n38.98\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n38.73\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n37.58\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n36.32\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n34.75\n<\/p>\n \n\u00a0\n<\/p>\n \nReturn on average equity (annualized)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n26.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n17.2\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n19.9\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n16.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n13.9\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nOther Data:\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nLoss ratio (4)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(49.6\n<\/p>\n \n%)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(1.6\n<\/p>\n \n%)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(3.4\n<\/p>\n \n%)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n4.4\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n14.8\n<\/p>\n \n%\n<\/p>\n \nExpense ratio (5)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n18.9\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n19.0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n19.3\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n18.9\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n19.3\n<\/p>\n \n\u00a0\n<\/p>\n \nCombined ratio\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(30.7\n<\/p>\n \n%)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n17.4\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n15.9\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n23.3\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n34.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nCredit Facility\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nBorrowings outstanding\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n425,000\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n425,000\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n325,000\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n325,000\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n325,000\n<\/p>\n \n\u00a0\n<\/p>\n \nUndrawn committed capacity\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n400,000\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n400,000\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n300,000\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n300,000\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n300,000\n<\/p>\n \n\u00a0\n<\/p>\n \nWeighted average interest rate (end of period)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n1.99\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n1.79\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2.13\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2.13\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2.13\n<\/p>\n \n%\n<\/p>\n \nDebt-to-capital\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n9.16\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n9.12\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n7.23\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n7.37\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n7.65\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(1) Income from other invested assets for the three months ended September 30, 2021 includes $39.5 million of net unrealized gains, which includes $21.1 million of net unrealized gains that were accumulated in other comprehensive income at June 30, 2021 and prior periods.\n<\/p>\n \n(2) For each of the three month periods noted, Other income includes net favorable (unfavorable) changes in the fair value of embedded derivatives associated with certain of our third-party reinsurance agreements as follows: March 31, 2022: $4,365; December 31, 2021: ($2,931); September 30, 2021: ($1,493); June 30, 2021: $950; March 31, 2021: ($606).\n<\/p>\n \n(3) Income tax expense for the quarters ended December 31, 2021 and March 31, 2021 includes $2,473 and $5,718, respectively, of discrete tax expense associated with an increase in the estimate of our beginning of the year deferred state income tax liability. Income tax expense for the quarters ended March 31, 2022, December 31, 2021 and September 30, 2021 includes $7,002, $1,759 and $8,271, respectively, of discrete tax expense associated with realized and unrealized gains and losses.\n<\/p>\n \n(4) Loss ratio is calculated by dividing the provision for losses and LAE by net premiums earned.\n<\/p>\n \n(5) Expense ratio is calculated by dividing other underwriting and operating expenses by net premiums earned.\n<\/p>\n \u00a0<\/p>\n \u00a0<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nExhibit C, continued\n<\/p>\n \u00a0<\/p>\n \nEssent Group Ltd. and Subsidiaries\n<\/p>\n \nSupplemental Information\n<\/p>\n \nHistorical Quarterly Data\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2022\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2021\n<\/p>\n \nOther Data, continued:\n<\/p>\n \n\u00a0\n<\/p>\n \nMarch 31\n<\/p>\n \n\u00a0\n<\/p>\n \nDecember 31\n<\/p>\n \n\u00a0\n<\/p>\n \nSeptember 30\n<\/p>\n \n\u00a0\n<\/p>\n \nJune 30\n<\/p>\n \n\u00a0\n<\/p>\n \nMarch 31\n<\/p>\n \n($ in thousands)<\/span>\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nU.S. Mortgage Insurance Portfolio\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nFlow:\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nNew insurance written\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n12,841,482\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n16,379,082\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n23,579,884\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n25,004,854\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n19,254,014\n<\/p>\n \n\u00a0\n<\/p>\n \nNew risk written\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n3,438,016\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n4,331,531\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n6,273,735\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n6,445,864\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n4,616,450\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nBulk:\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nNew insurance written\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n\u2014\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n416\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n\u2014\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n\u2014\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n\u2014\n<\/p>\n \n\u00a0\n<\/p>\n \nNew risk written\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u2014\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n41\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u2014\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u2014\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u2014\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nTotal:\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nNew insurance written\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n12,841,482\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n16,379,498\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n23,579,884\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n25,004,854\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n19,254,014\n<\/p>\n \n\u00a0\n<\/p>\n \nNew risk written\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n3,438,016\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n4,331,572\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n6,273,735\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n6,445,864\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n4,616,450\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nAverage insurance in force\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n206,631,135\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n207,388,906\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n206,732,478\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n199,739,297\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n197,749,668\n<\/p>\n \n\u00a0\n<\/p>\n \nInsurance in force (end of period)\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n206,842,996\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n207,190,544\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n208,216,549\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n203,559,859\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n197,091,191\n<\/p>\n \n\u00a0\n<\/p>\n \nGross risk in force (end of period) (6)\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n52,847,985\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n52,554,246\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n52,457,020\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n50,835,835\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n48,951,602\n<\/p>\n \n\u00a0\n<\/p>\n \nRisk in force (end of period)\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n45,261,164\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n45,273,383\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n45,074,159\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n42,906,519\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n41,135,978\n<\/p>\n \n\u00a0\n<\/p>\n \nPolicies in force\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n774,002\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n785,119\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n798,877\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n794,743\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n785,382\n<\/p>\n \n\u00a0\n<\/p>\n \nWeighted average coverage (7)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n25.5\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n25.4\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n25.2\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n25.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n24.8\n<\/p>\n \n%\n<\/p>\n \nAnnual persistency\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n69.1\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n65.4\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n62.2\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n58.3\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n56.1\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nLoans in default (count)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n14,923\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n16,963\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n19,721\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n23,504\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n29,080\n<\/p>\n \n\u00a0\n<\/p>\n \nPercentage of loans in default\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n1.93\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2.16\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2.47\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2.96\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n3.70\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nU.S. Mortgage Insurance Portfolio premium rate:\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nBase average premium rate (8)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n0.41\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n0.42\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n0.42\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n0.43\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n0.44\n<\/p>\n \n%\n<\/p>\n \nSingle premium cancellations (9)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n0.02\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n0.03\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n0.03\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n0.03\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n0.04\n<\/p>\n \n%\n<\/p>\n \nGross average premium rate\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n0.43\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n0.45\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n0.45\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n0.46\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n0.48\n<\/p>\n \n%\n<\/p>\n \nCeded premiums\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(0.04\n<\/p>\n \n%)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(0.05\n<\/p>\n \n%)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(0.05\n<\/p>\n \n%)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(0.05\n<\/p>\n \n%)\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(0.06\n<\/p>\n \n%)\n<\/p>\n \nNet average premium rate\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n0.39\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n0.40\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n0.40\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n0.41\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n0.42\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n(6) Gross risk in force includes risk ceded under third-party reinsurance.\n<\/p>\n \n(7) Weighted average coverage is calculated by dividing end of period gross risk in force by end of period insurance in force.\n<\/p>\n \n(8) Base average premium rate is calculated by dividing annualized base premiums earned by average insurance in force for the period.\n<\/p>\n \n(9) Single premium cancellations is calculated by dividing annualized premiums on the cancellation of non-refundable single premium policies by average insurance in force for the period.\n<\/p>\n \u00a0<\/p>\n \n\u00a0\n<\/p>\n \u00a0<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nExhibit D\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nEssent Group Ltd. and Subsidiaries\n<\/p>\n \nSupplemental Information\n<\/p>\n \nNew Insurance Written: Flow\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nNIW by Credit Score\n<\/p>\n \n\u00a0\n<\/p>\n \nThree Months Ended\n<\/p>\n \n\u00a0\n<\/p>\n \nMarch 31, 2022\n<\/p>\n \n\u00a0\n<\/p>\n \nDecember 31, 2021\n<\/p>\n \n\u00a0\n<\/p>\n \nMarch 31, 2021\n<\/p>\n \n($ in thousands)<\/span>\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n>=760\n<\/p>\n \n$\n<\/p>\n \n5,410,654\n<\/p>\n \n\u00a0\n<\/p>\n \n42.1\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n6,643,740\n<\/p>\n \n\u00a0\n<\/p>\n \n40.6\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n8,471,121\n<\/p>\n \n\u00a0\n<\/p>\n \n44.0\n<\/p>\n \n%\n<\/p>\n \n740-759\n<\/p>\n \n\u00a0\n<\/p>\n \n2,113,232\n<\/p>\n \n\u00a0\n<\/p>\n \n16.5\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2,833,379\n<\/p>\n \n\u00a0\n<\/p>\n \n17.3\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n3,153,327\n<\/p>\n \n\u00a0\n<\/p>\n \n16.4\n<\/p>\n \n\u00a0\n<\/p>\n \n720-739\n<\/p>\n \n\u00a0\n<\/p>\n \n1,991,318\n<\/p>\n \n\u00a0\n<\/p>\n \n15.5\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2,472,738\n<\/p>\n \n\u00a0\n<\/p>\n \n15.1\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2,753,296\n<\/p>\n \n\u00a0\n<\/p>\n \n14.3\n<\/p>\n \n\u00a0\n<\/p>\n \n700-719\n<\/p>\n \n\u00a0\n<\/p>\n \n1,620,473\n<\/p>\n \n\u00a0\n<\/p>\n \n12.6\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2,170,829\n<\/p>\n \n\u00a0\n<\/p>\n \n13.2\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2,358,634\n<\/p>\n \n\u00a0\n<\/p>\n \n12.2\n<\/p>\n \n\u00a0\n<\/p>\n \n680-699\n<\/p>\n \n\u00a0\n<\/p>\n \n1,147,766\n<\/p>\n \n\u00a0\n<\/p>\n \n8.9\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n1,504,268\n<\/p>\n \n\u00a0\n<\/p>\n \n9.2\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n1,227,408\n<\/p>\n \n\u00a0\n<\/p>\n \n6.4\n<\/p>\n \n\u00a0\n<\/p>\n \n<=679\n<\/p>\n \n\u00a0\n<\/p>\n \n558,039\n<\/p>\n \n\u00a0\n<\/p>\n \n4.4\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n754,128\n<\/p>\n \n\u00a0\n<\/p>\n \n4.6\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n1,290,228\n<\/p>\n \n\u00a0\n<\/p>\n \n6.7\n<\/p>\n \n\u00a0\n<\/p>\n \nTotal\n<\/p>\n \n$\n<\/p>\n \n12,841,482\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n16,379,082\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n19,254,014\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nWeighted average credit score\n<\/p>\n \n\u00a0\n<\/p>\n \n747\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n745\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n747\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nNIW by LTV\n<\/p>\n \n\u00a0\n<\/p>\n \nThree Months Ended\n<\/p>\n \n\u00a0\n<\/p>\n \nMarch 31, 2022\n<\/p>\n \n\u00a0\n<\/p>\n \nDecember 31, 2021\n<\/p>\n \n\u00a0\n<\/p>\n \nMarch 31, 2021\n<\/p>\n \n($ in thousands)<\/span>\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n85.00% and below\n<\/p>\n \n$\n<\/p>\n \n1,262,038\n<\/p>\n \n\u00a0\n<\/p>\n \n9.8\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n1,799,336\n<\/p>\n \n\u00a0\n<\/p>\n \n11.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n3,968,576\n<\/p>\n \n\u00a0\n<\/p>\n \n20.6\n<\/p>\n \n%\n<\/p>\n \n85.01% to 90.00%\n<\/p>\n \n\u00a0\n<\/p>\n \n3,415,938\n<\/p>\n \n\u00a0\n<\/p>\n \n26.6\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n4,372,552\n<\/p>\n \n\u00a0\n<\/p>\n \n26.7\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n6,441,997\n<\/p>\n \n\u00a0\n<\/p>\n \n33.5\n<\/p>\n \n\u00a0\n<\/p>\n \n90.01% to 95.00%\n<\/p>\n \n\u00a0\n<\/p>\n \n6,416,255\n<\/p>\n \n\u00a0\n<\/p>\n \n50.0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n7,722,842\n<\/p>\n \n\u00a0\n<\/p>\n \n47.1\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n7,052,522\n<\/p>\n \n\u00a0\n<\/p>\n \n36.6\n<\/p>\n \n\u00a0\n<\/p>\n \n95.01% and above\n<\/p>\n \n\u00a0\n<\/p>\n \n1,747,251\n<\/p>\n \n\u00a0\n<\/p>\n \n13.6\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2,484,352\n<\/p>\n \n\u00a0\n<\/p>\n \n15.2\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n1,790,919\n<\/p>\n \n\u00a0\n<\/p>\n \n9.3\n<\/p>\n \n\u00a0\n<\/p>\n \nTotal\n<\/p>\n \n$\n<\/p>\n \n12,841,482\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n16,379,082\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n19,254,014\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nWeighted average LTV\n<\/p>\n \n\u00a0\n<\/p>\n \n93\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n92\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n91\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nNIW by Product\n<\/p>\n \n\u00a0\n<\/p>\n \nThree Months Ended\n<\/p>\n \n\u00a0\n<\/p>\n \nMarch 31, 2022\n<\/p>\n \n\u00a0\n<\/p>\n \nDecember 31, 2021\n<\/p>\n \n\u00a0\n<\/p>\n \nMarch 31, 2021\n<\/p>\n \nSingle Premium policies\n<\/p>\n \n\u00a0\n<\/p>\n \n1.9\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2.7\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n6.9\n<\/p>\n \n%\n<\/p>\n \nMonthly Premium policies\n<\/p>\n \n\u00a0\n<\/p>\n \n98.1\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n97.3\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n93.1\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nNIW by Purchase vs. Refinance\n<\/p>\n \n\u00a0\n<\/p>\n \nThree Months Ended\n<\/p>\n \n\u00a0\n<\/p>\n \nMarch 31, 2022\n<\/p>\n \n\u00a0\n<\/p>\n \nDecember 31, 2021\n<\/p>\n \n\u00a0\n<\/p>\n \nMarch 31, 2021\n<\/p>\n \nPurchase\n<\/p>\n \n\u00a0\n<\/p>\n \n94.1\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n92.1\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n62.3\n<\/p>\n \n%\n<\/p>\n \nRefinance\n<\/p>\n \n\u00a0\n<\/p>\n \n5.9\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n7.9\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n37.7\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \u00a0<\/p>\n \n\u00a0\n<\/p>\n \u00a0<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nExhibit E\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nEssent Group Ltd. and Subsidiaries\n<\/p>\n \nSupplemental Information\n<\/p>\n \nInsurance in Force and Risk in Force\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nPortfolio by Credit Score\n<\/p>\n \nIIF by FICO score\n<\/p>\n \nMarch 31, 2022\n<\/p>\n \n\u00a0\n<\/p>\n \nDecember 31, 2021\n<\/p>\n \n\u00a0\n<\/p>\n \nMarch 31, 2021\n<\/p>\n \n($ in thousands)<\/span>\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n>=760\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n85,707,070\n<\/p>\n \n\u00a0\n<\/p>\n \n41.4\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n85,501,113\n<\/p>\n \n\u00a0\n<\/p>\n \n41.3\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n81,629,166\n<\/p>\n \n\u00a0\n<\/p>\n \n41.4\n<\/p>\n \n%\n<\/p>\n \n740-759\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n35,048,891\n<\/p>\n \n\u00a0\n<\/p>\n \n17.0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n35,111,019\n<\/p>\n \n\u00a0\n<\/p>\n \n17.0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n33,969,375\n<\/p>\n \n\u00a0\n<\/p>\n \n17.2\n<\/p>\n \n\u00a0\n<\/p>\n \n720-739\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n31,180,765\n<\/p>\n \n\u00a0\n<\/p>\n \n15.1\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n31,158,325\n<\/p>\n \n\u00a0\n<\/p>\n \n15.0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n29,323,182\n<\/p>\n \n\u00a0\n<\/p>\n \n14.9\n<\/p>\n \n\u00a0\n<\/p>\n \n700-719\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n26,040,114\n<\/p>\n \n\u00a0\n<\/p>\n \n12.6\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n26,105,790\n<\/p>\n \n\u00a0\n<\/p>\n \n12.6\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n23,775,892\n<\/p>\n \n\u00a0\n<\/p>\n \n12.1\n<\/p>\n \n\u00a0\n<\/p>\n \n680-699\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n16,847,202\n<\/p>\n \n\u00a0\n<\/p>\n \n8.1\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n16,819,629\n<\/p>\n \n\u00a0\n<\/p>\n \n8.1\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n15,241,886\n<\/p>\n \n\u00a0\n<\/p>\n \n7.7\n<\/p>\n \n\u00a0\n<\/p>\n \n<=679\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n12,018,954\n<\/p>\n \n\u00a0\n<\/p>\n \n5.8\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n12,494,668\n<\/p>\n \n\u00a0\n<\/p>\n \n6.0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n13,151,690\n<\/p>\n \n\u00a0\n<\/p>\n \n6.7\n<\/p>\n \n\u00a0\n<\/p>\n \nTotal\n<\/p>\n \n$\n<\/p>\n \n206,842,996\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n207,190,544\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n197,091,191\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nWeighted average credit score\n<\/p>\n \n\u00a0\n<\/p>\n \n746\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n745\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n745\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nGross RIF by FICO score\n<\/p>\n \nMarch 31, 2022\n<\/p>\n \n\u00a0\n<\/p>\n \nDecember 31, 2021\n<\/p>\n \n\u00a0\n<\/p>\n \nMarch 31, 2021\n<\/p>\n \n($ in thousands)<\/span>\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n>=760\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n21,707,751\n<\/p>\n \n\u00a0\n<\/p>\n \n41.1\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n21,488,011\n<\/p>\n \n\u00a0\n<\/p>\n \n40.9\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n20,063,586\n<\/p>\n \n\u00a0\n<\/p>\n \n41.0\n<\/p>\n \n%\n<\/p>\n \n740-759\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n9,041,350\n<\/p>\n \n\u00a0\n<\/p>\n \n17.1\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n8,992,181\n<\/p>\n \n\u00a0\n<\/p>\n \n17.1\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n8,512,926\n<\/p>\n \n\u00a0\n<\/p>\n \n17.4\n<\/p>\n \n\u00a0\n<\/p>\n \n720-739\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n8,091,445\n<\/p>\n \n\u00a0\n<\/p>\n \n15.3\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n8,029,952\n<\/p>\n \n\u00a0\n<\/p>\n \n15.3\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n7,410,503\n<\/p>\n \n\u00a0\n<\/p>\n \n15.1\n<\/p>\n \n\u00a0\n<\/p>\n \n700-719\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n6,724,288\n<\/p>\n \n\u00a0\n<\/p>\n \n12.7\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n6,693,045\n<\/p>\n \n\u00a0\n<\/p>\n \n12.7\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n5,947,590\n<\/p>\n \n\u00a0\n<\/p>\n \n12.1\n<\/p>\n \n\u00a0\n<\/p>\n \n680-699\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n4,338,206\n<\/p>\n \n\u00a0\n<\/p>\n \n8.2\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n4,299,245\n<\/p>\n \n\u00a0\n<\/p>\n \n8.2\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n3,798,221\n<\/p>\n \n\u00a0\n<\/p>\n \n7.8\n<\/p>\n \n\u00a0\n<\/p>\n \n<=679\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n2,944,945\n<\/p>\n \n\u00a0\n<\/p>\n \n5.6\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n3,051,812\n<\/p>\n \n\u00a0\n<\/p>\n \n5.8\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n3,218,776\n<\/p>\n \n\u00a0\n<\/p>\n \n6.6\n<\/p>\n \n\u00a0\n<\/p>\n \nTotal\n<\/p>\n \n$\n<\/p>\n \n52,847,985\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n52,554,246\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n48,951,602\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nPortfolio by LTV\n<\/p>\n \nIIF by LTV\n<\/p>\n \nMarch 31, 2022\n<\/p>\n \n\u00a0\n<\/p>\n \nDecember 31, 2021\n<\/p>\n \n\u00a0\n<\/p>\n \nMarch 31, 2021\n<\/p>\n \n($ in thousands)<\/span>\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n85.00% and below\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n26,057,055\n<\/p>\n \n\u00a0\n<\/p>\n \n12.6\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n27,362,267\n<\/p>\n \n\u00a0\n<\/p>\n \n13.2\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n28,285,671\n<\/p>\n \n\u00a0\n<\/p>\n \n14.4\n<\/p>\n \n%\n<\/p>\n \n85.01% to 90.00%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n59,113,908\n<\/p>\n \n\u00a0\n<\/p>\n \n28.6\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n59,567,378\n<\/p>\n \n\u00a0\n<\/p>\n \n28.7\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n58,587,812\n<\/p>\n \n\u00a0\n<\/p>\n \n29.7\n<\/p>\n \n\u00a0\n<\/p>\n \n90.01% to 95.00%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n92,460,810\n<\/p>\n \n\u00a0\n<\/p>\n \n44.7\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n91,350,909\n<\/p>\n \n\u00a0\n<\/p>\n \n44.1\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n84,042,974\n<\/p>\n \n\u00a0\n<\/p>\n \n42.6\n<\/p>\n \n\u00a0\n<\/p>\n \n95.01% and above\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n29,211,223\n<\/p>\n \n\u00a0\n<\/p>\n \n14.1\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n28,909,990\n<\/p>\n \n\u00a0\n<\/p>\n \n14.0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n26,174,734\n<\/p>\n \n\u00a0\n<\/p>\n \n13.3\n<\/p>\n \n\u00a0\n<\/p>\n \nTotal\n<\/p>\n \n$\n<\/p>\n \n206,842,996\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n207,190,544\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n197,091,191\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nWeighted average LTV\n<\/p>\n \n\u00a0\n<\/p>\n \n92\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n92\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n92\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nGross RIF by LTV\n<\/p>\n \nMarch 31, 2022\n<\/p>\n \n\u00a0\n<\/p>\n \nDecember 31, 2021\n<\/p>\n \n\u00a0\n<\/p>\n \nMarch 31, 2021\n<\/p>\n \n($ in thousands)<\/span>\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n85.00% and below\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n3,062,878\n<\/p>\n \n\u00a0\n<\/p>\n \n5.8\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n3,200,124\n<\/p>\n \n\u00a0\n<\/p>\n \n6.1\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n3,260,280\n<\/p>\n \n\u00a0\n<\/p>\n \n6.7\n<\/p>\n \n%\n<\/p>\n \n85.01% to 90.00%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n14,288,854\n<\/p>\n \n\u00a0\n<\/p>\n \n27.0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n14,366,450\n<\/p>\n \n\u00a0\n<\/p>\n \n27.3\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n14,061,301\n<\/p>\n \n\u00a0\n<\/p>\n \n28.7\n<\/p>\n \n\u00a0\n<\/p>\n \n90.01% to 95.00%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n26,960,457\n<\/p>\n \n\u00a0\n<\/p>\n \n51.0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n26,592,162\n<\/p>\n \n\u00a0\n<\/p>\n \n50.6\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n24,287,268\n<\/p>\n \n\u00a0\n<\/p>\n \n49.6\n<\/p>\n \n\u00a0\n<\/p>\n \n95.01% and above\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n8,535,796\n<\/p>\n \n\u00a0\n<\/p>\n \n16.2\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n8,395,510\n<\/p>\n \n\u00a0\n<\/p>\n \n16.0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n7,342,753\n<\/p>\n \n\u00a0\n<\/p>\n \n15.0\n<\/p>\n \n\u00a0\n<\/p>\n \nTotal\n<\/p>\n \n$\n<\/p>\n \n52,847,985\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n52,554,246\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n48,951,602\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nPortfolio by Loan Amortization Period\n<\/p>\n \nIIF by Loan Amortization Period\n<\/p>\n \nMarch 31, 2022\n<\/p>\n \n\u00a0\n<\/p>\n \nDecember 31, 2021\n<\/p>\n \n\u00a0\n<\/p>\n \nMarch 31, 2021\n<\/p>\n \n($ in thousands)<\/span>\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \nFRM 30 years and higher\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n198,658,948\n<\/p>\n \n\u00a0\n<\/p>\n \n96.1\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n198,243,758\n<\/p>\n \n\u00a0\n<\/p>\n \n95.7\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n186,190,300\n<\/p>\n \n\u00a0\n<\/p>\n \n94.5\n<\/p>\n \n%\n<\/p>\n \nFRM 20-25 years\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n3,365,533\n<\/p>\n \n\u00a0\n<\/p>\n \n1.6\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n3,658,366\n<\/p>\n \n\u00a0\n<\/p>\n \n1.8\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n4,354,432\n<\/p>\n \n\u00a0\n<\/p>\n \n2.2\n<\/p>\n \n\u00a0\n<\/p>\n \nFRM 15 years\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n3,580,416\n<\/p>\n \n\u00a0\n<\/p>\n \n1.7\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n3,996,684\n<\/p>\n \n\u00a0\n<\/p>\n \n1.9\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n4,763,796\n<\/p>\n \n\u00a0\n<\/p>\n \n2.4\n<\/p>\n \n\u00a0\n<\/p>\n \nARM 5 years and higher\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n1,238,099\n<\/p>\n \n\u00a0\n<\/p>\n \n0.6\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n1,291,736\n<\/p>\n \n\u00a0\n<\/p>\n \n0.6\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n\u00a0\n<\/p>\n \n1,782,663\n<\/p>\n \n\u00a0\n<\/p>\n \n0.9\n<\/p>\n \n\u00a0\n<\/p>\n \nTotal\n<\/p>\n \n$\n<\/p>\n \n206,842,996\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n207,190,544\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \n\u00a0\n<\/p>\n \n$\n<\/p>\n \n197,091,191\n<\/p>\n \n\u00a0\n<\/p>\n \n100.0\n<\/p>\n \n%\n<\/p>\n \u00a0 \nMedia Contact Investor Relations Contact
\n
Contacts <\/p>\n
\n
610.230.0556
\n
media@essentgroup.com<\/a><\/p>\n
\n
Philip Stefano
\n
Vice President, Investor Relations
\n
855-809-ESNT
\n
ir@essentgroup.com<\/a>\n<\/p>\n
![<\/a><\/p>\n\nEssent also announced today that its Board of Directors has declared a quarterly cash dividend of $0.21 per common share. The dividend is payable on June 10, 2022, to shareholders of record on June 1, 2022.\n<\/p>\n\n\u201cOur strong results for the quarter reflect the continued favorable credit performance of our portfolio,\u201d said Mark A. Casale, Chairman and Chief Executive Officer. \u201cOur outlook on housing remains positive, and we believe that the fundamentals of our business remain solid. More importantly, with the strength of our balance sheet and buy, manage, and distribute operating model, we are built to manage through economic cycles. In connection with that, we are pleased to announce that our Board has approved an increase in our quarterly dividend to $0.21 per share.\u201d\n<\/p>\n\nFirst Quarter 2022 Financial Highlights:\n<\/p>\nInsurance in force as of March 31, 2022 was $206.8 billion, compared to $207.2 billion as of December 31, 2021 and $197.1 billion as of March 31, 2021.<\/p>\nNew insurance written for the first quarter was $12.8 billion, compared to $16.4 billion in the fourth quarter of 2021 and $19.3 billion in the first quarter of 2021.<\/p>\nNet premiums earned for the first quarter were $215.3 million, compared to $217.3 million in the fourth quarter of 2021 and $219.1 million in the first quarter of 2021.<\/p>\nIncome from other invested assets for the first quarter was $24.7 million, compared to $15.0 million in the fourth quarter of 2021.<\/p>\nThe expense ratio for the first quarter was 18.9%, compared to 19.0% in the fourth quarter of 2021 and 19.3% in the first quarter of 2021.<\/p>\nThe provision for losses and LAE for the first quarter was a benefit of $106.9 million, compared to a benefit of $3.4 million in the fourth quarter of 2021 and a provision of $32.3 million in the first quarter of 2021.<\/p>\nThe provision in the first quarter of 2022 included a $101.2 million benefit associated with a change in the claim rate assumption for COVID-19 defaults recorded in the second and third quarters of 2020.<\/p>\nThe percentage of loans in default as of March 31, 2022 was 1.93%, compared to 2.16% as of December 31, 2021 and 3.70% as of March 31, 2021.<\/p>\nThe combined ratio for the first quarter was negative (30.7%), compared to 17.4% in the fourth quarter of 2021 and 34.0% in the first quarter of 2021.<\/p>\nThe consolidated balance of cash and investments at March 31, 2022 was $5.1 billion, which includes holding company net cash and investments available for sale of $578.6 million.<\/p>\nThe combined risk-to-capital ratio of the U.S. mortgage insurance business, which includes statutory capital for both Essent Guaranty, Inc. and Essent Guaranty of PA, Inc., was 9.9:1 as of March 31, 2022.<\/p>\nDuring the quarter, we entered into a second quota share reinsurance transaction with a panel of highly rated third-party reinsurers. The quota share agreement covers 20% of all eligible policies written by Essent Guaranty, Inc. for the period January 1, 2022 through December 31, 2022.<\/p>\nEssent\u2019s Board of Directors has authorized a new share repurchase plan of up to $250 million of the Company\u2019s common shares through December 31, 2023. The prior repurchase authorization from May 2021 was completed in April 2022.<\/p>\n\nConference Call:\n<\/p>\n\nEssent management will hold a conference call at 10:00 AM Eastern time today to discuss its results. The conference call will be broadcast live over the Internet at http:\/\/ir.essentgroup.com\/events-and-presentations\/events\/default.aspx<\/a>. The call may also be accessed by dialing 888-330-2384 inside the U.S., or 240-789-2701 for international callers, using passcode 9824537 or by referencing Essent.\n<\/p>\n\nA replay of the webcast will be available on the Essent website approximately two hours after the live broadcast ends for a period of one year. A replay of the conference call will be available approximately two hours after the call ends for a period of two weeks, using the following dial-in numbers and passcode: 800-770-2030 inside the U.S., or 647-362-9199 for international callers, passcode 9824537.\n<\/p>\n\nIn addition to the information provided in the Company’s earnings news release, other statistical and financial information, which may be referred to during the conference call, will be available on Essent’s website at http:\/\/ir.essentgroup.com\/financials\/quarterly-results\/default.aspx<\/a>.\n<\/p>\n\nForward-Looking Statements:\n<\/p>\n\nThis press release may include \u201cforward-looking statements\u201d which are subject to known and unknown risks and uncertainties, many of which may be beyond our control. Forward-looking statements generally can be identified by the use of forward-looking terminology such as “may,” “will,” \u201cshould,\u201d \u201cexpect,\u201d “plan,” “anticipate,” “believe,” \u201cestimate,\u201d \u201cpredict,\u201d or “potential” or the negative thereof or variations thereon or similar terminology. Actual events, results and outcomes may differ materially from our expectations due to a variety of known and unknown risks, uncertainties and other factors. Although it is not possible to identify all of these risks and factors, they include, among others, the following: the impact of COVID-19 and related economic conditions; changes in or to Fannie Mae and Freddie Mac (the \u201cGSEs\u201d), whether through Federal legislation, restructurings or a shift in business practices; failure to continue to meet the mortgage insurer eligibility requirements of the GSEs; competition for customers; lenders or investors seeking alternatives to private mortgage insurance; deteriorating economic conditions (including inflation, rising interest rates and other adverse economic trends); an increase in the number of loans insured through Federal government mortgage insurance programs, including those offered by the Federal Housing Administration; decline in new insurance written and franchise value due to loss of a significant customer; decline in the volume of low down payment mortgage originations; the definition of “Qualified Mortgage” reducing the size of the mortgage origination market or creating incentives to use government mortgage insurance programs; the definition of “Qualified Residential Mortgage” reducing the number of low down payment loans or lenders and investors seeking alternatives to private mortgage insurance; the implementation of the Basel III Capital Accord discouraging the use of private mortgage insurance; a decrease in the length of time that insurance policies are in force; uncertainty of loss reserve estimates; our non-U.S. operations becoming subject to U.S. Federal income taxation; becoming considered a passive foreign investment company for U.S. Federal income tax purposes; and other risks and factors described in Part I, Item 1A \u201cRisk Factors\u201d of our Annual Report on Form 10-K for the year ended December 31, 2021 filed with the Securities and Exchange Commission on February 16, 2022, as subsequently updated through other reports we file with the Securities and Exchange Commission. Any forward-looking information presented herein is made only as of the date of this press release, and we do not undertake any obligation to update or revise any forward-looking information to reflect changes in assumptions, the occurrence of unanticipated events, or otherwise.\n<\/p>\n\nAbout the Company:\n<\/p>\n\nEssent Group Ltd. (NYSE: ESNT) is a Bermuda-based holding company (collectively with its subsidiaries, \u201cEssent\u201d) which, through its wholly-owned subsidiary, Essent Guaranty, Inc., offers private mortgage insurance for single-family mortgage loans in the United States. Essent provides private capital to mitigate mortgage credit risk, allowing lenders to make additional mortgage financing available to prospective homeowners. Headquartered in Radnor, Pennsylvania, Essent Guaranty, Inc. is licensed to write mortgage insurance in all 50 states and the District of Columbia, and is approved by Fannie Mae and Freddie Mac. Essent also offers mortgage-related insurance, reinsurance and advisory services through its Bermuda-based subsidiary, Essent Reinsurance Ltd. Essent is committed to supporting environmental, social and governance (\u201cESG\u201d) initiatives that are relevant to the company and align with the companywide dedication to responsible corporate citizenship that positively impacts the community and people served. Additional information regarding Essent may be found at www.essentgroup.com<\/a> and www.essent.us<\/a>.\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nEssent Group Ltd. and Subsidiaries\n<\/p>\n\nFinancial Results and Supplemental Information (Unaudited)\n<\/p>\n\nQuarter Ended March 31, 2022\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nExhibit A\n<\/p>\n\n\u00a0\n<\/p>\n\nCondensed Consolidated Statements of Comprehensive Income (Unaudited)\n<\/p>\n\nExhibit B\n<\/p>\n\n\u00a0\n<\/p>\n\nCondensed Consolidated Balance Sheets (Unaudited)\n<\/p>\n\nExhibit C\n<\/p>\n\n\u00a0\n<\/p>\n\nHistorical Quarterly Data\n<\/p>\n\nExhibit D\n<\/p>\n\n\u00a0\n<\/p>\n\nNew Insurance Written\n<\/p>\n\nExhibit E\n<\/p>\n\n\u00a0\n<\/p>\n\nInsurance in Force and Risk in Force\n<\/p>\n\nExhibit F\n<\/p>\n\n\u00a0\n<\/p>\n\nOther Risk in Force\n<\/p>\n\nExhibit G\n<\/p>\n\n\u00a0\n<\/p>\n\nPortfolio Vintage Data\n<\/p>\n\nExhibit H\n<\/p>\n\n\u00a0\n<\/p>\n\nReinsurance Vintage Data\n<\/p>\n\nExhibit I\n<\/p>\n\n\u00a0\n<\/p>\n\nPortfolio Geographic Data\n<\/p>\n\nExhibit J\n<\/p>\n\n\u00a0\n<\/p>\n\nRollforward of Defaults and Reserve for Losses and LAE\n<\/p>\n\nExhibit K\n<\/p>\n\n\u00a0\n<\/p>\n\nDetail of Reserves by Default Delinquency\n<\/p>\n\nExhibit L\n<\/p>\n\n\u00a0\n<\/p>\n\nInvestments Available for Sale\n<\/p>\n\nExhibit M\n<\/p>\n\n\u00a0\n<\/p>\n\nInsurance Company Capital\n<\/p>\n\u00a0<\/p>\n\u00a0<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nExhibit A\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nEssent Group Ltd. and Subsidiaries\n<\/p>\n\nCondensed Consolidated Statements of Comprehensive Income (Unaudited)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nThree Months Ended March 31,\n<\/p>\n\n(In thousands, except per share amounts)<\/span>\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2022\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2021\n<\/p>\n\n\u00a0\n<\/p>\n\nRevenues:\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nDirect premiums written\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n220,254\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n235,257\n<\/p>\n\n\u00a0\n<\/p>\n\nCeded premiums\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(20,523\n<\/p>\n\n)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(30,896\n<\/p>\n\n)\n<\/p>\n\nNet premiums written\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n199,731\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n204,361\n<\/p>\n\n\u00a0\n<\/p>\n\nDecrease in unearned premiums\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n15,599\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n14,706\n<\/p>\n\n\u00a0\n<\/p>\n\nNet premiums earned\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n215,330\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n219,067\n<\/p>\n\n\u00a0\n<\/p>\n\nNet investment income\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n24,680\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n21,788\n<\/p>\n\n\u00a0\n<\/p>\n\nRealized investment (losses) gains, net\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(7,352\n<\/p>\n\n)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n641\n<\/p>\n\n\u00a0\n<\/p>\n\nIncome from other invested assets\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n24,705\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n526\n<\/p>\n\n\u00a0\n<\/p>\n\nOther income\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n7,248\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2,775\n<\/p>\n\n\u00a0\n<\/p>\n\nTotal revenues\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n264,611\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n244,797\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nLosses and expenses:\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(Benefit) provision for losses and LAE\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(106,858\n<\/p>\n\n)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n32,322\n<\/p>\n\n\u00a0\n<\/p>\n\nOther underwriting and operating expenses\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n40,796\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n42,239\n<\/p>\n\n\u00a0\n<\/p>\n\nInterest expense\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2,226\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2,051\n<\/p>\n\n\u00a0\n<\/p>\n\nTotal losses and expenses\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(63,836\n<\/p>\n\n)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n76,612\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nIncome before income taxes\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n328,447\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n168,185\n<\/p>\n\n\u00a0\n<\/p>\n\nIncome tax expense\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n54,280\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n32,537\n<\/p>\n\n\u00a0\n<\/p>\n\nNet income\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n274,167\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n135,648\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nEarnings per share:\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nBasic\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n2.53\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n1.21\n<\/p>\n\n\u00a0\n<\/p>\n\nDiluted\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2.52\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n1.21\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nWeighted average shares outstanding:\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nBasic\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n108,166\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n112,016\n<\/p>\n\n\u00a0\n<\/p>\n\nDiluted\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n108,590\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n112,378\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nNet income\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n274,167\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n135,648\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nOther comprehensive income (loss):\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nChange in unrealized depreciation of investments\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(203,006\n<\/p>\n\n)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(59,203\n<\/p>\n\n)\n<\/p>\n\nTotal other comprehensive loss\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(203,006\n<\/p>\n\n)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(59,203\n<\/p>\n\n)\n<\/p>\n\nComprehensive income\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n71,161\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n76,445\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nLoss ratio\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(49.6\n<\/p>\n\n%)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n14.8\n<\/p>\n\n%\n<\/p>\n\nExpense ratio\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n18.9\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n19.3\n<\/p>\n\n\u00a0\n<\/p>\n\nCombined ratio\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(30.7\n<\/p>\n\n%)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n34.0\n<\/p>\n\n%\n<\/p>\n\u00a0<\/p>\n\u00a0<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nExhibit B\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nEssent Group Ltd. and Subsidiaries\n<\/p>\n\nCondensed Consolidated Balance Sheets (Unaudited)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nMarch 31,\n<\/p>\n\n\u00a0\n<\/p>\n\nDecember 31,\n<\/p>\n\n(In thousands, except per share amounts)<\/span>\n<\/p>\n\n\u00a0\n<\/p>\n\n2022\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2021\n<\/p>\n\n\u00a0\n<\/p>\n\nAssets\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nInvestments\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nFixed maturities available for sale, at fair value\n<\/p>\n\n$\n<\/p>\n\n4,145,542\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n4,649,800\n<\/p>\n\n\u00a0\n<\/p>\n\nShort-term investments available for sale, at fair value\n<\/p>\n\n\u00a0\n<\/p>\n\n517,363\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n313,087\n<\/p>\n\n\u00a0\n<\/p>\n\nTotal investments available for sale\n<\/p>\n\n\u00a0\n<\/p>\n\n4,662,905\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n4,962,887\n<\/p>\n\n\u00a0\n<\/p>\n\nOther invested assets\n<\/p>\n\n\u00a0\n<\/p>\n\n212,521\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n170,472\n<\/p>\n\n\u00a0\n<\/p>\n\nTotal investments\n<\/p>\n\n\u00a0\n<\/p>\n\n4,875,426\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n5,133,359\n<\/p>\n\n\u00a0\n<\/p>\n\nCash\n<\/p>\n\n\u00a0\n<\/p>\n\n203,845\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n81,491\n<\/p>\n\n\u00a0\n<\/p>\n\nAccrued investment income\n<\/p>\n\n\u00a0\n<\/p>\n\n23,233\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n26,546\n<\/p>\n\n\u00a0\n<\/p>\n\nAccounts receivable\n<\/p>\n\n\u00a0\n<\/p>\n\n45,167\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n46,157\n<\/p>\n\n\u00a0\n<\/p>\n\nDeferred policy acquisition costs\n<\/p>\n\n\u00a0\n<\/p>\n\n11,148\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n12,178\n<\/p>\n\n\u00a0\n<\/p>\n\nProperty and equipment\n<\/p>\n\n\u00a0\n<\/p>\n\n20,308\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n11,921\n<\/p>\n\n\u00a0\n<\/p>\n\nPrepaid federal income tax\n<\/p>\n\n\u00a0\n<\/p>\n\n360,810\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n360,810\n<\/p>\n\n\u00a0\n<\/p>\n\nOther assets\n<\/p>\n\n\u00a0\n<\/p>\n\n46,208\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n49,712\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nTotal assets\n<\/p>\n\n$\n<\/p>\n\n5,586,145\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n5,722,174\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nLiabilities and Stockholders’ Equity\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nLiabilities\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nReserve for losses and LAE\n<\/p>\n\n$\n<\/p>\n\n293,072\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n407,445\n<\/p>\n\n\u00a0\n<\/p>\n\nUnearned premium reserve\n<\/p>\n\n\u00a0\n<\/p>\n\n169,786\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n185,385\n<\/p>\n\n\u00a0\n<\/p>\n\nNet deferred tax liability\n<\/p>\n\n\u00a0\n<\/p>\n\n359,919\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n373,654\n<\/p>\n\n\u00a0\n<\/p>\n\nCredit facility borrowings, net of deferred costs\n<\/p>\n\n\u00a0\n<\/p>\n\n420,073\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n419,823\n<\/p>\n\n\u00a0\n<\/p>\n\nOther accrued liabilities\n<\/p>\n\n\u00a0\n<\/p>\n\n128,227\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n99,753\n<\/p>\n\n\u00a0\n<\/p>\n\nTotal liabilities\n<\/p>\n\n\u00a0\n<\/p>\n\n1,371,077\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n1,486,060\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nCommitments and contingencies\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nStockholders’ Equity\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nCommon shares, $0.015 par value:\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nAuthorized – 233,333; issued and outstanding – 108,140 shares in 2022 and 109,377 shares in 2021\n<\/p>\n\n\u00a0\n<\/p>\n\n1,622\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n1,641\n<\/p>\n\n\u00a0\n<\/p>\n\nAdditional paid-in capital\n<\/p>\n\n\u00a0\n<\/p>\n\n1,358,583\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n1,428,952\n<\/p>\n\n\u00a0\n<\/p>\n\nAccumulated other comprehensive (loss) income\n<\/p>\n\n\u00a0\n<\/p>\n\n(152,299\n<\/p>\n\n)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n50,707\n<\/p>\n\n\u00a0\n<\/p>\n\nRetained earnings\n<\/p>\n\n\u00a0\n<\/p>\n\n3,007,162\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2,754,814\n<\/p>\n\n\u00a0\n<\/p>\n\nTotal stockholders’ equity\n<\/p>\n\n\u00a0\n<\/p>\n\n4,215,068\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n4,236,114\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nTotal liabilities and stockholders’ equity\n<\/p>\n\n$\n<\/p>\n\n5,586,145\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n5,722,174\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nReturn on average equity (1)\n<\/p>\n\n\u00a0\n<\/p>\n\n26.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n16.8\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(1) The 2022 return on average equity is calculated by dividing annualized year-to-date 2022 net income by average equity. The 2021 return on average equity is calculated by dividing full year 2021 net income by average equity.\n<\/p>\n\u00a0<\/p>\n\u00a0<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nExhibit C\n<\/p>\n\u00a0<\/p>\n\nEssent Group Ltd. and Subsidiaries\n<\/p>\n\nSupplemental Information\n<\/p>\n\nHistorical Quarterly Data\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2022\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2021\n<\/p>\n\nSelected Income Statement Data\n<\/p>\n\n\u00a0\n<\/p>\n\nMarch 31\n<\/p>\n\n\u00a0\n<\/p>\n\nDecember 31\n<\/p>\n\n\u00a0\n<\/p>\n\nSeptember 30\n<\/p>\n\n\u00a0\n<\/p>\n\nJune 30\n<\/p>\n\n\u00a0\n<\/p>\n\nMarch 31\n<\/p>\n\n(In thousands, except per share amounts)<\/span>\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nRevenues:\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nNet premiums earned:\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nU.S. Mortgage Insurance Portfolio\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n203,312\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n205,877\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n207,127\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n204,149\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n207,840\n<\/p>\n\n\u00a0\n<\/p>\n\nGSE and other risk share\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n12,018\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n11,444\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n11,591\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n13,288\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n11,227\n<\/p>\n\n\u00a0\n<\/p>\n\nNet premiums earned\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n215,330\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n217,321\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n218,718\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n217,437\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n219,067\n<\/p>\n\n\u00a0\n<\/p>\n\nNet investment income\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n24,680\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n23,661\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n21,573\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n21,743\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n21,788\n<\/p>\n\n\u00a0\n<\/p>\n\nRealized investment (losses) gains, net\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(7,352\n<\/p>\n\n)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(191\n<\/p>\n\n)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n221\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(253\n<\/p>\n\n)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n641\n<\/p>\n\n\u00a0\n<\/p>\n\nIncome from other invested assets (1)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n24,705\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n14,997\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n40,741\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n122\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n526\n<\/p>\n\n\u00a0\n<\/p>\n\nOther income (2)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n7,248\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n1,128\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2,283\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n4,212\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2,775\n<\/p>\n\n\u00a0\n<\/p>\n\nTotal revenues\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n264,611\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n256,916\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n283,536\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n243,261\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n244,797\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nLosses and expenses:\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(Benefit) provision for losses and LAE\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(106,858\n<\/p>\n\n)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(3,433\n<\/p>\n\n)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(7,483\n<\/p>\n\n)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n9,651\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n32,322\n<\/p>\n\n\u00a0\n<\/p>\n\nOther underwriting and operating expenses\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n40,796\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n41,232\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n42,272\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n41,114\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n42,239\n<\/p>\n\n\u00a0\n<\/p>\n\nInterest expense\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2,226\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2,095\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2,063\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2,073\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2,051\n<\/p>\n\n\u00a0\n<\/p>\n\nTotal losses and expenses\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(63,836\n<\/p>\n\n)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n39,894\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n36,852\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n52,838\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n76,612\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nIncome before income taxes\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n328,447\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n217,022\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n246,684\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n190,423\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n168,185\n<\/p>\n\n\u00a0\n<\/p>\n\nIncome tax expense (3)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n54,280\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n36,035\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n41,331\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n30,628\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n32,537\n<\/p>\n\n\u00a0\n<\/p>\n\nNet income\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n274,167\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n180,987\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n205,353\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n159,795\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n135,648\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nEarnings per share:\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nBasic\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n2.53\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n1.65\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n1.85\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n1.43\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n1.21\n<\/p>\n\n\u00a0\n<\/p>\n\nDiluted\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2.52\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n1.64\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n1.84\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n1.42\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n1.21\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nWeighted average shares outstanding:\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nBasic\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n108,166\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n109,550\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n111,001\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n112,118\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n112,016\n<\/p>\n\n\u00a0\n<\/p>\n\nDiluted\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n108,590\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n110,028\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n111,387\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n112,454\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n112,378\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nBook value per share\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n38.98\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n38.73\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n37.58\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n36.32\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n34.75\n<\/p>\n\n\u00a0\n<\/p>\n\nReturn on average equity (annualized)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n26.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n17.2\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n19.9\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n16.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n13.9\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nOther Data:\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nLoss ratio (4)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(49.6\n<\/p>\n\n%)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(1.6\n<\/p>\n\n%)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(3.4\n<\/p>\n\n%)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n4.4\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n14.8\n<\/p>\n\n%\n<\/p>\n\nExpense ratio (5)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n18.9\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n19.0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n19.3\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n18.9\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n19.3\n<\/p>\n\n\u00a0\n<\/p>\n\nCombined ratio\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(30.7\n<\/p>\n\n%)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n17.4\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n15.9\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n23.3\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n34.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nCredit Facility\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nBorrowings outstanding\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n425,000\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n425,000\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n325,000\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n325,000\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n325,000\n<\/p>\n\n\u00a0\n<\/p>\n\nUndrawn committed capacity\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n400,000\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n400,000\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n300,000\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n300,000\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n300,000\n<\/p>\n\n\u00a0\n<\/p>\n\nWeighted average interest rate (end of period)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n1.99\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n1.79\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2.13\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2.13\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2.13\n<\/p>\n\n%\n<\/p>\n\nDebt-to-capital\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n9.16\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n9.12\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n7.23\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n7.37\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n7.65\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(1) Income from other invested assets for the three months ended September 30, 2021 includes $39.5 million of net unrealized gains, which includes $21.1 million of net unrealized gains that were accumulated in other comprehensive income at June 30, 2021 and prior periods.\n<\/p>\n\n(2) For each of the three month periods noted, Other income includes net favorable (unfavorable) changes in the fair value of embedded derivatives associated with certain of our third-party reinsurance agreements as follows: March 31, 2022: $4,365; December 31, 2021: ($2,931); September 30, 2021: ($1,493); June 30, 2021: $950; March 31, 2021: ($606).\n<\/p>\n\n(3) Income tax expense for the quarters ended December 31, 2021 and March 31, 2021 includes $2,473 and $5,718, respectively, of discrete tax expense associated with an increase in the estimate of our beginning of the year deferred state income tax liability. Income tax expense for the quarters ended March 31, 2022, December 31, 2021 and September 30, 2021 includes $7,002, $1,759 and $8,271, respectively, of discrete tax expense associated with realized and unrealized gains and losses.\n<\/p>\n\n(4) Loss ratio is calculated by dividing the provision for losses and LAE by net premiums earned.\n<\/p>\n\n(5) Expense ratio is calculated by dividing other underwriting and operating expenses by net premiums earned.\n<\/p>\n\u00a0<\/p>\n\u00a0<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nExhibit C, continued\n<\/p>\n\u00a0<\/p>\n\nEssent Group Ltd. and Subsidiaries\n<\/p>\n\nSupplemental Information\n<\/p>\n\nHistorical Quarterly Data\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2022\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2021\n<\/p>\n\nOther Data, continued:\n<\/p>\n\n\u00a0\n<\/p>\n\nMarch 31\n<\/p>\n\n\u00a0\n<\/p>\n\nDecember 31\n<\/p>\n\n\u00a0\n<\/p>\n\nSeptember 30\n<\/p>\n\n\u00a0\n<\/p>\n\nJune 30\n<\/p>\n\n\u00a0\n<\/p>\n\nMarch 31\n<\/p>\n\n($ in thousands)<\/span>\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nU.S. Mortgage Insurance Portfolio\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nFlow:\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nNew insurance written\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n12,841,482\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n16,379,082\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n23,579,884\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n25,004,854\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n19,254,014\n<\/p>\n\n\u00a0\n<\/p>\n\nNew risk written\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n3,438,016\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n4,331,531\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n6,273,735\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n6,445,864\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n4,616,450\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nBulk:\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nNew insurance written\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n\u2014\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n416\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n\u2014\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n\u2014\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n\u2014\n<\/p>\n\n\u00a0\n<\/p>\n\nNew risk written\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u2014\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n41\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u2014\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u2014\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u2014\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nTotal:\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nNew insurance written\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n12,841,482\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n16,379,498\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n23,579,884\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n25,004,854\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n19,254,014\n<\/p>\n\n\u00a0\n<\/p>\n\nNew risk written\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n3,438,016\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n4,331,572\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n6,273,735\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n6,445,864\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n4,616,450\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nAverage insurance in force\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n206,631,135\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n207,388,906\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n206,732,478\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n199,739,297\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n197,749,668\n<\/p>\n\n\u00a0\n<\/p>\n\nInsurance in force (end of period)\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n206,842,996\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n207,190,544\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n208,216,549\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n203,559,859\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n197,091,191\n<\/p>\n\n\u00a0\n<\/p>\n\nGross risk in force (end of period) (6)\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n52,847,985\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n52,554,246\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n52,457,020\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n50,835,835\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n48,951,602\n<\/p>\n\n\u00a0\n<\/p>\n\nRisk in force (end of period)\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n45,261,164\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n45,273,383\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n45,074,159\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n42,906,519\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n41,135,978\n<\/p>\n\n\u00a0\n<\/p>\n\nPolicies in force\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n774,002\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n785,119\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n798,877\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n794,743\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n785,382\n<\/p>\n\n\u00a0\n<\/p>\n\nWeighted average coverage (7)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n25.5\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n25.4\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n25.2\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n25.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n24.8\n<\/p>\n\n%\n<\/p>\n\nAnnual persistency\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n69.1\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n65.4\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n62.2\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n58.3\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n56.1\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nLoans in default (count)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n14,923\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n16,963\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n19,721\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n23,504\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n29,080\n<\/p>\n\n\u00a0\n<\/p>\n\nPercentage of loans in default\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n1.93\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2.16\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2.47\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2.96\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n3.70\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nU.S. Mortgage Insurance Portfolio premium rate:\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nBase average premium rate (8)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n0.41\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n0.42\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n0.42\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n0.43\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n0.44\n<\/p>\n\n%\n<\/p>\n\nSingle premium cancellations (9)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n0.02\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n0.03\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n0.03\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n0.03\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n0.04\n<\/p>\n\n%\n<\/p>\n\nGross average premium rate\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n0.43\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n0.45\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n0.45\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n0.46\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n0.48\n<\/p>\n\n%\n<\/p>\n\nCeded premiums\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(0.04\n<\/p>\n\n%)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(0.05\n<\/p>\n\n%)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(0.05\n<\/p>\n\n%)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(0.05\n<\/p>\n\n%)\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(0.06\n<\/p>\n\n%)\n<\/p>\n\nNet average premium rate\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n0.39\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n0.40\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n0.40\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n0.41\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n0.42\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n(6) Gross risk in force includes risk ceded under third-party reinsurance.\n<\/p>\n\n(7) Weighted average coverage is calculated by dividing end of period gross risk in force by end of period insurance in force.\n<\/p>\n\n(8) Base average premium rate is calculated by dividing annualized base premiums earned by average insurance in force for the period.\n<\/p>\n\n(9) Single premium cancellations is calculated by dividing annualized premiums on the cancellation of non-refundable single premium policies by average insurance in force for the period.\n<\/p>\n\u00a0<\/p>\n\n\u00a0\n<\/p>\n\u00a0<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nExhibit D\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nEssent Group Ltd. and Subsidiaries\n<\/p>\n\nSupplemental Information\n<\/p>\n\nNew Insurance Written: Flow\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nNIW by Credit Score\n<\/p>\n\n\u00a0\n<\/p>\n\nThree Months Ended\n<\/p>\n\n\u00a0\n<\/p>\n\nMarch 31, 2022\n<\/p>\n\n\u00a0\n<\/p>\n\nDecember 31, 2021\n<\/p>\n\n\u00a0\n<\/p>\n\nMarch 31, 2021\n<\/p>\n\n($ in thousands)<\/span>\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n>=760\n<\/p>\n\n$\n<\/p>\n\n5,410,654\n<\/p>\n\n\u00a0\n<\/p>\n\n42.1\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n6,643,740\n<\/p>\n\n\u00a0\n<\/p>\n\n40.6\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n8,471,121\n<\/p>\n\n\u00a0\n<\/p>\n\n44.0\n<\/p>\n\n%\n<\/p>\n\n740-759\n<\/p>\n\n\u00a0\n<\/p>\n\n2,113,232\n<\/p>\n\n\u00a0\n<\/p>\n\n16.5\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2,833,379\n<\/p>\n\n\u00a0\n<\/p>\n\n17.3\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n3,153,327\n<\/p>\n\n\u00a0\n<\/p>\n\n16.4\n<\/p>\n\n\u00a0\n<\/p>\n\n720-739\n<\/p>\n\n\u00a0\n<\/p>\n\n1,991,318\n<\/p>\n\n\u00a0\n<\/p>\n\n15.5\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2,472,738\n<\/p>\n\n\u00a0\n<\/p>\n\n15.1\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2,753,296\n<\/p>\n\n\u00a0\n<\/p>\n\n14.3\n<\/p>\n\n\u00a0\n<\/p>\n\n700-719\n<\/p>\n\n\u00a0\n<\/p>\n\n1,620,473\n<\/p>\n\n\u00a0\n<\/p>\n\n12.6\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2,170,829\n<\/p>\n\n\u00a0\n<\/p>\n\n13.2\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2,358,634\n<\/p>\n\n\u00a0\n<\/p>\n\n12.2\n<\/p>\n\n\u00a0\n<\/p>\n\n680-699\n<\/p>\n\n\u00a0\n<\/p>\n\n1,147,766\n<\/p>\n\n\u00a0\n<\/p>\n\n8.9\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n1,504,268\n<\/p>\n\n\u00a0\n<\/p>\n\n9.2\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n1,227,408\n<\/p>\n\n\u00a0\n<\/p>\n\n6.4\n<\/p>\n\n\u00a0\n<\/p>\n\n<=679\n<\/p>\n\n\u00a0\n<\/p>\n\n558,039\n<\/p>\n\n\u00a0\n<\/p>\n\n4.4\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n754,128\n<\/p>\n\n\u00a0\n<\/p>\n\n4.6\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n1,290,228\n<\/p>\n\n\u00a0\n<\/p>\n\n6.7\n<\/p>\n\n\u00a0\n<\/p>\n\nTotal\n<\/p>\n\n$\n<\/p>\n\n12,841,482\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n16,379,082\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n19,254,014\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nWeighted average credit score\n<\/p>\n\n\u00a0\n<\/p>\n\n747\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n745\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n747\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nNIW by LTV\n<\/p>\n\n\u00a0\n<\/p>\n\nThree Months Ended\n<\/p>\n\n\u00a0\n<\/p>\n\nMarch 31, 2022\n<\/p>\n\n\u00a0\n<\/p>\n\nDecember 31, 2021\n<\/p>\n\n\u00a0\n<\/p>\n\nMarch 31, 2021\n<\/p>\n\n($ in thousands)<\/span>\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n85.00% and below\n<\/p>\n\n$\n<\/p>\n\n1,262,038\n<\/p>\n\n\u00a0\n<\/p>\n\n9.8\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n1,799,336\n<\/p>\n\n\u00a0\n<\/p>\n\n11.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n3,968,576\n<\/p>\n\n\u00a0\n<\/p>\n\n20.6\n<\/p>\n\n%\n<\/p>\n\n85.01% to 90.00%\n<\/p>\n\n\u00a0\n<\/p>\n\n3,415,938\n<\/p>\n\n\u00a0\n<\/p>\n\n26.6\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n4,372,552\n<\/p>\n\n\u00a0\n<\/p>\n\n26.7\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n6,441,997\n<\/p>\n\n\u00a0\n<\/p>\n\n33.5\n<\/p>\n\n\u00a0\n<\/p>\n\n90.01% to 95.00%\n<\/p>\n\n\u00a0\n<\/p>\n\n6,416,255\n<\/p>\n\n\u00a0\n<\/p>\n\n50.0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n7,722,842\n<\/p>\n\n\u00a0\n<\/p>\n\n47.1\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n7,052,522\n<\/p>\n\n\u00a0\n<\/p>\n\n36.6\n<\/p>\n\n\u00a0\n<\/p>\n\n95.01% and above\n<\/p>\n\n\u00a0\n<\/p>\n\n1,747,251\n<\/p>\n\n\u00a0\n<\/p>\n\n13.6\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2,484,352\n<\/p>\n\n\u00a0\n<\/p>\n\n15.2\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n1,790,919\n<\/p>\n\n\u00a0\n<\/p>\n\n9.3\n<\/p>\n\n\u00a0\n<\/p>\n\nTotal\n<\/p>\n\n$\n<\/p>\n\n12,841,482\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n16,379,082\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n19,254,014\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nWeighted average LTV\n<\/p>\n\n\u00a0\n<\/p>\n\n93\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n92\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n91\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nNIW by Product\n<\/p>\n\n\u00a0\n<\/p>\n\nThree Months Ended\n<\/p>\n\n\u00a0\n<\/p>\n\nMarch 31, 2022\n<\/p>\n\n\u00a0\n<\/p>\n\nDecember 31, 2021\n<\/p>\n\n\u00a0\n<\/p>\n\nMarch 31, 2021\n<\/p>\n\nSingle Premium policies\n<\/p>\n\n\u00a0\n<\/p>\n\n1.9\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2.7\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n6.9\n<\/p>\n\n%\n<\/p>\n\nMonthly Premium policies\n<\/p>\n\n\u00a0\n<\/p>\n\n98.1\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n97.3\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n93.1\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nNIW by Purchase vs. Refinance\n<\/p>\n\n\u00a0\n<\/p>\n\nThree Months Ended\n<\/p>\n\n\u00a0\n<\/p>\n\nMarch 31, 2022\n<\/p>\n\n\u00a0\n<\/p>\n\nDecember 31, 2021\n<\/p>\n\n\u00a0\n<\/p>\n\nMarch 31, 2021\n<\/p>\n\nPurchase\n<\/p>\n\n\u00a0\n<\/p>\n\n94.1\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n92.1\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n62.3\n<\/p>\n\n%\n<\/p>\n\nRefinance\n<\/p>\n\n\u00a0\n<\/p>\n\n5.9\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n7.9\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n37.7\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\u00a0<\/p>\n\n\u00a0\n<\/p>\n\u00a0<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nExhibit E\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nEssent Group Ltd. and Subsidiaries\n<\/p>\n\nSupplemental Information\n<\/p>\n\nInsurance in Force and Risk in Force\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nPortfolio by Credit Score\n<\/p>\n\nIIF by FICO score\n<\/p>\n\nMarch 31, 2022\n<\/p>\n\n\u00a0\n<\/p>\n\nDecember 31, 2021\n<\/p>\n\n\u00a0\n<\/p>\n\nMarch 31, 2021\n<\/p>\n\n($ in thousands)<\/span>\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n>=760\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n85,707,070\n<\/p>\n\n\u00a0\n<\/p>\n\n41.4\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n85,501,113\n<\/p>\n\n\u00a0\n<\/p>\n\n41.3\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n81,629,166\n<\/p>\n\n\u00a0\n<\/p>\n\n41.4\n<\/p>\n\n%\n<\/p>\n\n740-759\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n35,048,891\n<\/p>\n\n\u00a0\n<\/p>\n\n17.0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n35,111,019\n<\/p>\n\n\u00a0\n<\/p>\n\n17.0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n33,969,375\n<\/p>\n\n\u00a0\n<\/p>\n\n17.2\n<\/p>\n\n\u00a0\n<\/p>\n\n720-739\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n31,180,765\n<\/p>\n\n\u00a0\n<\/p>\n\n15.1\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n31,158,325\n<\/p>\n\n\u00a0\n<\/p>\n\n15.0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n29,323,182\n<\/p>\n\n\u00a0\n<\/p>\n\n14.9\n<\/p>\n\n\u00a0\n<\/p>\n\n700-719\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n26,040,114\n<\/p>\n\n\u00a0\n<\/p>\n\n12.6\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n26,105,790\n<\/p>\n\n\u00a0\n<\/p>\n\n12.6\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n23,775,892\n<\/p>\n\n\u00a0\n<\/p>\n\n12.1\n<\/p>\n\n\u00a0\n<\/p>\n\n680-699\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n16,847,202\n<\/p>\n\n\u00a0\n<\/p>\n\n8.1\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n16,819,629\n<\/p>\n\n\u00a0\n<\/p>\n\n8.1\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n15,241,886\n<\/p>\n\n\u00a0\n<\/p>\n\n7.7\n<\/p>\n\n\u00a0\n<\/p>\n\n<=679\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n12,018,954\n<\/p>\n\n\u00a0\n<\/p>\n\n5.8\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n12,494,668\n<\/p>\n\n\u00a0\n<\/p>\n\n6.0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n13,151,690\n<\/p>\n\n\u00a0\n<\/p>\n\n6.7\n<\/p>\n\n\u00a0\n<\/p>\n\nTotal\n<\/p>\n\n$\n<\/p>\n\n206,842,996\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n207,190,544\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n197,091,191\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nWeighted average credit score\n<\/p>\n\n\u00a0\n<\/p>\n\n746\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n745\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n745\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nGross RIF by FICO score\n<\/p>\n\nMarch 31, 2022\n<\/p>\n\n\u00a0\n<\/p>\n\nDecember 31, 2021\n<\/p>\n\n\u00a0\n<\/p>\n\nMarch 31, 2021\n<\/p>\n\n($ in thousands)<\/span>\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n>=760\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n21,707,751\n<\/p>\n\n\u00a0\n<\/p>\n\n41.1\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n21,488,011\n<\/p>\n\n\u00a0\n<\/p>\n\n40.9\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n20,063,586\n<\/p>\n\n\u00a0\n<\/p>\n\n41.0\n<\/p>\n\n%\n<\/p>\n\n740-759\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n9,041,350\n<\/p>\n\n\u00a0\n<\/p>\n\n17.1\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n8,992,181\n<\/p>\n\n\u00a0\n<\/p>\n\n17.1\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n8,512,926\n<\/p>\n\n\u00a0\n<\/p>\n\n17.4\n<\/p>\n\n\u00a0\n<\/p>\n\n720-739\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n8,091,445\n<\/p>\n\n\u00a0\n<\/p>\n\n15.3\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n8,029,952\n<\/p>\n\n\u00a0\n<\/p>\n\n15.3\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n7,410,503\n<\/p>\n\n\u00a0\n<\/p>\n\n15.1\n<\/p>\n\n\u00a0\n<\/p>\n\n700-719\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n6,724,288\n<\/p>\n\n\u00a0\n<\/p>\n\n12.7\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n6,693,045\n<\/p>\n\n\u00a0\n<\/p>\n\n12.7\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n5,947,590\n<\/p>\n\n\u00a0\n<\/p>\n\n12.1\n<\/p>\n\n\u00a0\n<\/p>\n\n680-699\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n4,338,206\n<\/p>\n\n\u00a0\n<\/p>\n\n8.2\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n4,299,245\n<\/p>\n\n\u00a0\n<\/p>\n\n8.2\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n3,798,221\n<\/p>\n\n\u00a0\n<\/p>\n\n7.8\n<\/p>\n\n\u00a0\n<\/p>\n\n<=679\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n2,944,945\n<\/p>\n\n\u00a0\n<\/p>\n\n5.6\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n3,051,812\n<\/p>\n\n\u00a0\n<\/p>\n\n5.8\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n3,218,776\n<\/p>\n\n\u00a0\n<\/p>\n\n6.6\n<\/p>\n\n\u00a0\n<\/p>\n\nTotal\n<\/p>\n\n$\n<\/p>\n\n52,847,985\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n52,554,246\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n48,951,602\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nPortfolio by LTV\n<\/p>\n\nIIF by LTV\n<\/p>\n\nMarch 31, 2022\n<\/p>\n\n\u00a0\n<\/p>\n\nDecember 31, 2021\n<\/p>\n\n\u00a0\n<\/p>\n\nMarch 31, 2021\n<\/p>\n\n($ in thousands)<\/span>\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n85.00% and below\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n26,057,055\n<\/p>\n\n\u00a0\n<\/p>\n\n12.6\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n27,362,267\n<\/p>\n\n\u00a0\n<\/p>\n\n13.2\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n28,285,671\n<\/p>\n\n\u00a0\n<\/p>\n\n14.4\n<\/p>\n\n%\n<\/p>\n\n85.01% to 90.00%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n59,113,908\n<\/p>\n\n\u00a0\n<\/p>\n\n28.6\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n59,567,378\n<\/p>\n\n\u00a0\n<\/p>\n\n28.7\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n58,587,812\n<\/p>\n\n\u00a0\n<\/p>\n\n29.7\n<\/p>\n\n\u00a0\n<\/p>\n\n90.01% to 95.00%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n92,460,810\n<\/p>\n\n\u00a0\n<\/p>\n\n44.7\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n91,350,909\n<\/p>\n\n\u00a0\n<\/p>\n\n44.1\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n84,042,974\n<\/p>\n\n\u00a0\n<\/p>\n\n42.6\n<\/p>\n\n\u00a0\n<\/p>\n\n95.01% and above\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n29,211,223\n<\/p>\n\n\u00a0\n<\/p>\n\n14.1\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n28,909,990\n<\/p>\n\n\u00a0\n<\/p>\n\n14.0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n26,174,734\n<\/p>\n\n\u00a0\n<\/p>\n\n13.3\n<\/p>\n\n\u00a0\n<\/p>\n\nTotal\n<\/p>\n\n$\n<\/p>\n\n206,842,996\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n207,190,544\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n197,091,191\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nWeighted average LTV\n<\/p>\n\n\u00a0\n<\/p>\n\n92\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n92\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n92\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nGross RIF by LTV\n<\/p>\n\nMarch 31, 2022\n<\/p>\n\n\u00a0\n<\/p>\n\nDecember 31, 2021\n<\/p>\n\n\u00a0\n<\/p>\n\nMarch 31, 2021\n<\/p>\n\n($ in thousands)<\/span>\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n85.00% and below\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n3,062,878\n<\/p>\n\n\u00a0\n<\/p>\n\n5.8\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n3,200,124\n<\/p>\n\n\u00a0\n<\/p>\n\n6.1\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n3,260,280\n<\/p>\n\n\u00a0\n<\/p>\n\n6.7\n<\/p>\n\n%\n<\/p>\n\n85.01% to 90.00%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n14,288,854\n<\/p>\n\n\u00a0\n<\/p>\n\n27.0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n14,366,450\n<\/p>\n\n\u00a0\n<\/p>\n\n27.3\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n14,061,301\n<\/p>\n\n\u00a0\n<\/p>\n\n28.7\n<\/p>\n\n\u00a0\n<\/p>\n\n90.01% to 95.00%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n26,960,457\n<\/p>\n\n\u00a0\n<\/p>\n\n51.0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n26,592,162\n<\/p>\n\n\u00a0\n<\/p>\n\n50.6\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n24,287,268\n<\/p>\n\n\u00a0\n<\/p>\n\n49.6\n<\/p>\n\n\u00a0\n<\/p>\n\n95.01% and above\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n8,535,796\n<\/p>\n\n\u00a0\n<\/p>\n\n16.2\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n8,395,510\n<\/p>\n\n\u00a0\n<\/p>\n\n16.0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n7,342,753\n<\/p>\n\n\u00a0\n<\/p>\n\n15.0\n<\/p>\n\n\u00a0\n<\/p>\n\nTotal\n<\/p>\n\n$\n<\/p>\n\n52,847,985\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n52,554,246\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n48,951,602\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nPortfolio by Loan Amortization Period\n<\/p>\n\nIIF by Loan Amortization Period\n<\/p>\n\nMarch 31, 2022\n<\/p>\n\n\u00a0\n<\/p>\n\nDecember 31, 2021\n<\/p>\n\n\u00a0\n<\/p>\n\nMarch 31, 2021\n<\/p>\n\n($ in thousands)<\/span>\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\nFRM 30 years and higher\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n198,658,948\n<\/p>\n\n\u00a0\n<\/p>\n\n96.1\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n198,243,758\n<\/p>\n\n\u00a0\n<\/p>\n\n95.7\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n186,190,300\n<\/p>\n\n\u00a0\n<\/p>\n\n94.5\n<\/p>\n\n%\n<\/p>\n\nFRM 20-25 years\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n3,365,533\n<\/p>\n\n\u00a0\n<\/p>\n\n1.6\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n3,658,366\n<\/p>\n\n\u00a0\n<\/p>\n\n1.8\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n4,354,432\n<\/p>\n\n\u00a0\n<\/p>\n\n2.2\n<\/p>\n\n\u00a0\n<\/p>\n\nFRM 15 years\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n3,580,416\n<\/p>\n\n\u00a0\n<\/p>\n\n1.7\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n3,996,684\n<\/p>\n\n\u00a0\n<\/p>\n\n1.9\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n4,763,796\n<\/p>\n\n\u00a0\n<\/p>\n\n2.4\n<\/p>\n\n\u00a0\n<\/p>\n\nARM 5 years and higher\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n1,238,099\n<\/p>\n\n\u00a0\n<\/p>\n\n0.6\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n1,291,736\n<\/p>\n\n\u00a0\n<\/p>\n\n0.6\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n\u00a0\n<\/p>\n\n1,782,663\n<\/p>\n\n\u00a0\n<\/p>\n\n0.9\n<\/p>\n\n\u00a0\n<\/p>\n\nTotal\n<\/p>\n\n$\n<\/p>\n\n206,842,996\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n207,190,544\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\n\u00a0\n<\/p>\n\n$\n<\/p>\n\n197,091,191\n<\/p>\n\n\u00a0\n<\/p>\n\n100.0\n<\/p>\n\n%\n<\/p>\n\u00a0\nContacts <\/p>\n\nMedia Contact\n610.230.0556\nmedia@essentgroup.com<\/a><\/p>\nInvestor Relations Contact\nPhilip Stefano\nVice President, Investor Relations\n855-809-ESNT\nir@essentgroup.com<\/a>\n<\/p>\n Read full story here <\/a><\/p>","protected":false},"excerpt":{"rendered":"HAMILTON, Bermuda–(BUSINESS WIRE)–Essent Group Ltd. (NYSE: ESNT) today reported net income for the quarter ended March 31, 2022 of $274.2 million or $2.52 per diluted share, compared to $135.6 million or $1.21 per diluted share for the quarter ended March 31, 2021. Essent also announced today that its Board of Directors has declared a quarterly […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[49631],"tags":[],"settori":[],"slider_categorie_and_home_page":[],"class_list":["post-784613","post","type-post","status-publish","format-standard","hentry","category-real-estate-in-the-rest-of-the-world"],"acf":[],"yoast_head":"\nEssent Group Ltd. Announces First Quarter 2022 Results and Increases Quarterly Dividend - BeBeez<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bebeez.it\/en\/real-estate-in-the-rest-of-the-world\/essent-group-ltd-announces-first-quarter-2022-results-and-increases-quarterly-dividend\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Essent Group Ltd. Announces First Quarter 2022 Results and Increases Quarterly Dividend - BeBeez\" \/>\n<meta property=\"og:description\" content=\"HAMILTON, Bermuda–(BUSINESS WIRE)–Essent Group Ltd. (NYSE: ESNT) today reported net income for the quarter ended March 31, 2022 of $274.2 million or $2.52 per diluted share, compared to $135.6 million or $1.21 per diluted share for the quarter ended March 31, 2021. Essent also announced today that its Board of Directors has declared a quarterly […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bebeez.it\/en\/real-estate-in-the-rest-of-the-world\/essent-group-ltd-announces-first-quarter-2022-results-and-increases-quarterly-dividend\/\" \/>\n<meta property=\"og:site_name\" content=\"BeBeez\" \/>\n<meta property=\"article:published_time\" content=\"2022-05-06T18:02:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-10T15:08:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bebeez.it\/wp-content\/uploads\/2019\/10\/be-beez-logo-x2.png\" \/>\n\t<meta property=\"og:image:width\" content=\"683\" \/>\n\t<meta property=\"og:image:height\" content=\"242\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"olomaster\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"olomaster\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/bebeez.it\/en\/real-estate-in-the-rest-of-the-world\/essent-group-ltd-announces-first-quarter-2022-results-and-increases-quarterly-dividend\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/bebeez.it\/en\/real-estate-in-the-rest-of-the-world\/essent-group-ltd-announces-first-quarter-2022-results-and-increases-quarterly-dividend\/\"},\"author\":{\"name\":\"olomaster\",\"@id\":\"https:\/\/15.161.165.86\/#\/schema\/person\/f3523ef027b0af56aa28725439cc9518\"},\"headline\":\"Essent Group Ltd. 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Announces First Quarter 2022 Results and Increases Quarterly Dividend - BeBeez","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bebeez.it\/en\/real-estate-in-the-rest-of-the-world\/essent-group-ltd-announces-first-quarter-2022-results-and-increases-quarterly-dividend\/","og_locale":"en_US","og_type":"article","og_title":"Essent Group Ltd. Announces First Quarter 2022 Results and Increases Quarterly Dividend - BeBeez","og_description":"HAMILTON, Bermuda–(BUSINESS WIRE)–Essent Group Ltd. (NYSE: ESNT) today reported net income for the quarter ended March 31, 2022 of $274.2 million or $2.52 per diluted share, compared to $135.6 million or $1.21 per diluted share for the quarter ended March 31, 2021. 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