A Message From Our CEO
At Essent, our mission is to serve as a trusted, best-in-class partner to the housing finance industry by responsibly
offering mortgage insurance, reinsurance and risk management products to mortgage lenders
and investors. Together we support affordable and sustainable homeownership. We are proud of our success and the
path we are on as a good corporate citizen and member of the mortgage insurance industry.
Essent’s continued success is directly related to our commitment to our Core Values — Integrity,
Service, Innovation and Community. These values are the building blocks of Essent’s business and ESG
practices.
Essent’s commitment to Integrity starts with our Board’s active oversight of our Code of
Business Conduct, as well as our environmental awareness strategy, cybersecurity, corporate culture, employee
engagement and diversity and community commitments. In 2021, we designated an ESG officer and created an internal
ESG Committee comprised of cross-functional leaders dedicated to advancing our sustainability goals and
long-term value creation.
Essent clearly illustrated its promise of Innovation in 2021, launching the next generation of our pricing
engine EssentEDGE®, making significant advances in our cloud migration and continuing our investment in the
transformation of our operations to deliver a differentiated customer experience. These Innovation
initiatives are focused on meeting the growing needs and expectations of our customers. Our Innovation
strategy is designed to deliver our best price to our customers and support broadening the accessibility of
homeownership.
As a responsible corporate citizen, Essent is dedicated to Service and Community.
Essent’s practices make a difference in the communities where we live and work. Our corporate giving and
employee volunteer programs are designed to sponsor national and local community organizations with a focus on
children, education, health and housing. Please read about the success of our long-term initiatives in
education and more recent commitment to community mental health, both of which are included in this report. I am
very pleased with the positive impact Essent is making year over year.
Essent has a talented team of leaders and employees who are dedicated to our business, mission and values. I am
pleased to share our 2022 Sustainability Report which illustrates that dedication, as well as our continued focus to
being a good neighbor, business partner, employer, community supporter and global citizen.
Mark A. Casale
Chairman & CEO
March 2022