2021 HW Insider: John Gaines


John Gaines began his mortgage industry career more than two decades ago with United Guaranty, which Arch MI acquired in 2017. Now, as executive vice president and chief actuary at Arch MI, Gaines and his 50-person team are responsible for critical aspects of the business, including pricing products, setting and establishing loss reserves and managing the product development and data analytics teams. He constantly evaluates Arch MI’s pricing and products in the dynamic mortgage environment to ensure that they continue to be known as the most innovative company in the private mortgage insurance market. When the pandemic hit in the spring of 2020, he and his colleagues immediately focused on adjusting the pricing of Arch MI products to protect the company’s balance sheet. As the number of individuals unable to afford their mortgage payments more than tripled during the pandemic, under Gaines’ leadership, his team developed methodologies to establish appropriate loss reserves during unprecedented circumstances.


John Gaines


EVP, Chief Actuary

Company Name:

Arch Mortgage Insurance Company

3d rendering of a row of luxury townhouses along a street

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