At Enact, our mission to help more people become homeowners motivates everything we do. Homeownership helps build wealth from generation to generation. It stabilizes and strengthens communities, and it is an integral part of the American dream. ESG is intertwined with our business objectives. Our financial success is based upon the success of our neighbors and the communities in which we work and live.

Our vision for ESG remains closely aligned with our company’s mission—to help more people responsibly achieve the dream of homeownership. In the past year, rising interest rates have made this mission even more vital, as affordability becomes an issue for more and more people who lack the traditional 20% down payment. We are steadfast in our belief that, by providing responsibly underwritten mortgage insurance to leading mortgage providers, along with world-class customer service and innovative new products, we will have a positive impact on the housing market and on the communities we serve. At Enact, our ESG strategy is integrated into our business strategy, and provides a foundation for our continued success.



Our Pillars

Guided by the results of our Materiality Assessment, we organized our ESG priorities into three “pillars” upon which our ESG strategy is based, focusing on the areas most germane to our business:


Strengthening Our Communities

Enact is deeply engaged with the communities we serve by enabling more families to achieve the dream of sustainable homeownership and create wealth, while also delivering on our commitment to employee volunteerism, philanthropy, and environmental responsibility.


Driving Diversity and Inclusion & Supporting Our People

Enact encourages and incorporates varied perspectives at every level of the organization in a supportive and inclusive environment to create innovative products and services that are responsive to the diverse needs of our customers and prospective homeowners.


A Focus on Responsible
Business Practices
& Sound Corporate

Enact focuses on underwriting excellence, prudent risk and capital management, data privacy and cybersecurity, and regulatory compliance—all overseen by a diverse, experienced, and majority independent Board.



Our ESG Report

This report covers the period of our fiscal year from January 1, 2023, to December 31, 2023. It is guided by a formal Materiality Assessment that was completed in 4Q 2022, and reviewed again in 4Q 2023. Our Assessments included a review of leading ESG frameworks and standards, the mortgage industry regulatory environment, and input from both internal and external stakeholders. Aligned with our commitment to transparency, we have expanded this year’s ESG Report in several areas, including adding disclosures relating to the Taskforce on Climate-related Financial Disclosures (TCFD) and the United Nations Sustainable Development Goals (U.N. SDGs) frameworks.

ESG Cover Image



Previous ESG Reports:





“Our vision for ESG remains closely aligned with our company’s mission – to help more people responsibly achieve the dream of homeownership.”


Rohit Gupta
President, Chief Executive Officer, and Director



ESG 2023 Highlights



of Board committee chairpersons are women



of our Board and Committee Chairpersons are independent


1.3 million

households have achieved the dream of homeownership over the past 5 years with Enact's help


>90th Percentile

Enact scored >90th Percentile in Gallup’s overall Engagement Index.


Innovations in Diversity Award

presented to Enact by the Profiles in Diversity Journal for our non-traditional credit product