Sustainability

Overview

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. Sustainability 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 Sustainability 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 Sustainability 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 Sustainability priorities into three “pillars” upon which our Sustainability 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.

Supporting Our People & Driving a Culture of Inclusion

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
Governance

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 Sustainability Report

This report covers the period of our fiscal year from January 1, 2025, to December 31, 2025. Our process included a review of leading sustainability frameworks and standards, the mortgage industry regulatory environment, and engagement with both internal and external stakeholders. In preparing this report, we also conducted a review of our Environmental, Human Rights, and Health and Safety policies, as well as our Code of Ethics.