A check of the earnings call transcript finds neither KBW's Bose George nor JMP's Christine Worley hinting at any displeasure with results. New to business, Essnet is more growth play than improving credit play and the mortgage business has slowed significantly. George did question whether management had a feel for if market share (12% in 2013) was improving of late (company isn't able to say yet). Management also expects continued shrinkage in the origination market this year, with industry NIW to be around $150B-$160B.
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