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Last $14.33 USD
Change Today +0.04 / 0.28%
Volume 761.3K
RDN On Other Exchanges
New York
As of 5:15 PM 11/27/15 All times are local (Market data is delayed by at least 15 minutes).
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Company Description

Contact Info

1601 Market Street

Philadelphia, PA 19103

United States

Phone: 215-231-1000


Radian Group Inc. provides mortgage and real estate products and services with a primary strategic focus on domestic, residential mortgage insurance on First-lien mortgage loans. Segments The company’s segments include Mortgage Insurance and Mortgage and Real Estate Services (MRES). Mortgage Insurance This segment provides credit-related insurance coverage, principally through private mortgage insurance, to mortgage lending institutions. The company conducts its mortgage insurance business primarily through Radian Guaranty, its principal mortgage insurance subsidiary. Traditional Risk Traditional types of private mortgage insurance include primary mortgage insurance and pool insurance. Primary Mortgage Insurance: Primary mortgage insurance provides protection against mortgage defaults at a specified coverage percentage. When there is a valid claim under primary mortgage insurance, the maximum liability is determined by multiplying the claim amount, which consists of the unpaid loan principal, plus past due interest and certain expenses associated with the default, by the coverage percentage. The company’s Master Policies are filed in each of the jurisdictions in which it conducts business. Among other things, the company’s Master Policies set forth: loan eligibility requirements; premium payment requirements; coverage term; provisions for policy administration; exclusions or reductions in coverage; claims payment and settlement procedures; and dispute resolution procedures. The company provides primary mortgage insurance on a flow basis and also provides primary mortgage insurance on a structured basis, which includes business that it has written to insure a group of individual loans. In flow transactions, mortgages typically are insured as they are originated, while in its Structured Transactions, the company typically provides insurance on a group of mortgages after they have been originated. Pool Insurance: Pool insurance differs from primary insurance in that the company’s maximum liability on each loan is not limited to a specific coverage percentage on that individual mortgage. The company wrote much of its pool insurance in the form of structured transactions, such as credit enhancement on loans in pools purchased by the GSEs as well as loans included in residential mortgage-backed securities (RMBS) transactions. Customers: The principal customers of mortgage insurance business are mortgage originators, such as mortgage bankers, mortgage brokers, commercial banks, savings institutions, credit unions and community banks. Earned premiums attributable to Wells Fargo Bank, National Association accounted for approximately 10% of the company’s consolidated revenues in 2014. Competition The company competes directly with private mortgage insurers, such as Arch U.S. MI (acquired CMG Mortgage Company effective January 30, 2014); Essent Guaranty Inc.; Genworth Financial Inc.; Mortgage Guaranty Insurance Corporation; NMI Holdings, Inc.; and United Guaranty Corporation. MRES This segment provides services and solutions to the mortgage and real estate industries primarily through Clayton Holdings LLC (Clayton). The company provides outsourced services, mortgage-related analytics and specialized consulting and surveillance services for buyers and sellers of, and investors in, mortgage and real estate-related loans and securities and other debt instruments. This segment provides information and services that financial institutions, investors and government entities, among others, use to evaluate, acquire, securitize, service and monitor loans and asset-backed securities. The primary services offered include loan review and due diligence; surveillance; component services and real estate owned (REO) management services offered through Clayton’s subsidiary, Green River Capital; and services for the European mortgage market offered through Clayton’s EuroRisk business. Loan Review and Due Diligence: The company’s loan review and due diligence services include loan-level due diligence for various asset classes and securitizations, with a primary focus on the residential mortgage and RMBS


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