Setco

What Setco does

Setco Services LLC is a family-owned title insurance and real estate settlement services company headquartered in Destin/Miramar Beach, Florida, operating 14 offices across the Florida Panhandle (Emerald Coast) from Pensacola to Port Saint Joe. Founded circa 1999-2000 and led by CEO George Brannon Jr., Setco is the largest provider of title insurance and settlement services in the Florida Panhandle, issuing owner's and lender's title insurance policies, managing escrow, and coordinating closings for residential real estate transactions. The company serves a horizontally segmented customer base — primarily real estate agents and brokers, home buyers and sellers, with secondary segments of mortgage lenders and builders/developers — through dedicated business development representatives who run an educational class program across regional territories.

Setco generates revenue through transaction-based title insurance premiums (owner's and lender's policies at promulgated Florida rates), a flat $600 settlement/closing fee per transaction, mobile notary services via partnership with Emerald Coast Mobile Notary, and a small but differentiated recurring stream from the Setco One app premium subscription ($0.99/month or $9.99/year). The technology stack is built on integrations rather than proprietary systems: Qualia provides the digital closing platform, Veriff supplies AI-powered identity verification (10,000+ ID types, 190+ countries), Closinglock handles secure wire instructions, and Setco's own Setco One mobile app delivers county-specific closing cost calculators, net sheet generation, HUD statements, and agent marketing tools. Sub-brands Scenic Title (co-branded with Scenic Sotheby's), Southern Coast Title, and Florida Open Title extend the brand into specific coastal micro-markets.

The company's primary underwriter relationship is with Fidelity National Financial (FNF), evidenced by Setco's 2022 FNF Diamond Award ranking in the top 10 of 1,300+ agencies in North and Central Florida. Distribution is sales-led through physical offices plus 7+ named BDRs conducting recurring agent training; community positioning is reinforced through the 52 weeks of giving program and a flagship partnership with Destin Charity Wine Auction Foundation that has helped raise roughly $3 million annually for local children's charities.

Name

Setco

Legal name

Setco Services LLC

Website

https://setcoservices.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Setco Services LLC is a family-owned title insurance and settlement services company operating 14 offices along Florida's Emerald Coast, serving real estate agents, buyers, sellers, lenders, and developers with title insurance, escrow, mobile notary, and digital closing solutions via Qualia, Veriff, and its Setco One app.

Ownership category

akta.pro rank

Headquarters

HQ city

Destin

HQ country

United States

HQ region

North America

Offices13 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Title Insurance: One-time premium title insurance policies protecting buyers and lenders against property title defects. Includes owner's policies and lender's policies with premiums based on purchase price or loan amount.
2. Settlement/Closing Fees: Fees charged for closing services including document preparation, escrow management, and transaction coordination. Settlement closing fee is $600 per transaction.
3. Setco One App Premium: Premium subscription features for the Setco One mobile app including social media marketing tools, infographics, personalized videos, and lead generation calculators. Priced at $0.99/month or $9.99/year.
4. Mobile Notary Services: Mobile notary services provided through partnership with Emerald Coast Mobile Notary for document signing and notarization during real estate closings.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Setco is a family-owned title insurance and settlement services agency that issues title insurance, manages escrow, and coordinates real estate closings for residential transactions across Northwest Florida's Emerald Coast. It complements core closing work with digital closing technology, mobile notary services, and agent/lender-facing tools such as the Setco One app.

Product overview

Setco Services is a family-owned title and settlement services company operating 14 offices along Florida's Emerald Coast for over 20 years. The company offers a unified portfolio of title insurance products (owner's and lender's policies), escrow services, and closing coordination. Their technology stack centers on the Qualia digital closing platform for hybrid and fully digital closings, supplemented by the proprietary Setco One mobile app for real estate agents to calculate closing costs and net sheets. Additional offerings include mobile notary services through Emerald Coast Mobile Notary partnerships, AI-powered identity verification via Veriff, and educational real estate classes. The company operates sub-brands including Southern Coast Title and Scenic Title for regional market presence.

Differentiator

Problem solved

Functional benefit

Brands

• Setco One App: A net sheet and closing cost mobile software solution available to real estate agents and brokers, providing tools for calculating seller closing and buyer closing costs, generating HUD forms, and various real estate calculators.

Products and services

• Title Insurance and Settlement Services Core title insurance issuance, escrow handling, and full real estate closing coordination for residential purchase, refinance, and new-construction transactions in Northwest Florida. Targeted at real estate agents, lenders, builders, and the consumers they serve.
• Setco One Mobile App Branded mobile application providing transaction status tracking, document requests, scheduling, and agent/lender-facing tools, with a premium subscription tier for advanced features.
• Mobile Notary and Remote Online Notarization On-location mobile notary for in-person signings across the Emerald Coast and remote online notarization for clients who cannot attend closing in person.
• Digital Closing Platform (Qualia-powered) End-to-end e-closing experience that enables hybrid and fully remote online notarization, with AI-based identity verification securing each signing session.

Quantifiable outcome

• Top 10 in North and Central Florida out of over 1,300 agencies for FNF Diamond Award
• +3 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability3 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and flagship.

• Fidelity National Financial (FNF)coreOthersFNF is Setco's primary title insurance underwriter. Setco received the FNF Family of Companies 2022 Diamond Award, representing top 10 performance out of over 1,300 agencies in North and Central Florida. Setco operates as part of the FNF family of companies network.
• Emerald Coast Mobile NotarycoreStrategic or Co-development PartnerPartnership to provide mobile notary services throughout the Florida Panhandle including Okaloosa, Walton, and West Bay County. Emerald Coast Mobile Notary has over 20 years of business ownership experience in real estate, construction, and law, with over 5,000 signings collectively. Agents are Fidelity approved, bonded, and carry error and omission insurance.
• QualiacoreTechnology or IntegrationQualia is the leading digital closing platform used by real estate professionals, title and escrow operations, lenders, proptech companies, and homebuyers. Setco uses Qualia to provide hybrid and fully digital closing experiences. Over 500,000 title and escrow agents, lenders, and realtors use Qualia to save more than 75% of their efforts and time on closing tasks.
• Destin Charity Wine Auction Foundation (DCWAF)flagshipGTM or Marketing PartnerSetco is a major sponsor of DCWAF, which raises money for sixteen local children's charities along the Emerald Coast. Each year, Setco has helped raise on average $3 million in partnership with DCWAF to aid local charities. DCWAF has donated more than $25 million to Northwest Florida charities since 2005.
• VeriffcoreTechnology or IntegrationAI-powered identity verification software used by Setco to detect fake and tampered IDs. Uses facial recognition and biometric data from ID barcodes. Covers over 10,000 ID types in 190+ countries and 45 languages to combat seller fraud in real estate transactions.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• First American Title Insurance Company: One of the largest national title insurance underwriters in the U.S., directly comparable as a title insurance and settlement services provider, though operating at national scale rather than regionally focused on Florida.
• Fidelity National Title (FNF): Setco's primary title insurance underwriter and parent of the Diamond Award program; the largest U.S. title underwriter and most directly comparable national incumbent in the same product category.
• Stewart Title: Major national title insurance and settlement services underwriter competing for the same agent relationships and transaction volume as Setco across multiple U.S. markets.
• Old Republic Title: National title insurance underwriter with comparable product offering (owner/lender policies, escrow, closing services) and broad agent network competing for similar referral relationships.
• Chicago Title: FNF subsidiary operating as a national title brand; competes head-to-head with Setco for agent referrals in Florida and offers equivalent owner/lender title products at scale.

Regional players

• Title Partners of Florida: Florida-focused regional title and closing agency directly comparable to Setco in geography and product offering, competing for the same real estate agent and broker referral relationships.
• Sunbelt Title Agency: Regional title insurance and escrow agency operating in the Southeast U.S., providing the same residential title, lender's policy, and closing services as Setco in overlapping geographies.
• Capital Title of Florida: Florida-focused title agency with comparable service mix (title insurance, escrow, closings) and similar real estate agent channel, directly competing for Florida referral-driven volume.

Others

• Qualia: Technology platform partner of Setco powering its digital closing experience; an infrastructure provider in the title ecosystem rather than a direct competitor, but highly relevant for benchmarking Setco's tech-enabled positioning.

Emerging players

• Notarize: Digital-first remote online notarization (RON) platform competing with Setco's mobile notary and in-person signing services; represents the emerging digital-native threat to traditional agency-based closing workflows.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/SETCO.Services.LLC
• LinkedInlinkedin.com/company/setco-services-llc
• Instagraminstagram.com/setcoservices
• Xx.com/setcoservices

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Setco