Common Bond Title
Common Bond Title is a privately held title insurance and closing services agency founded in 1939, serving residential and commercial real estate transactions across Alabama, Florida, and Georgia through three offices and the Qualia closing platform.
- Company typePrivate
- Founded1939
- HeadquartersJefferson, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Common Bond Title does
Common Bond Title, LLC is a privately held title insurance and closing services agency operating across Alabama, Florida, and Georgia. Founded by James 'Jim' P. Harris in 1939, the company delivers residential and commercial real estate transaction services through three physical offices in Mountain Brook/Birmingham AL, Melbourne FL, and Duluth GA, supported by a staff of approximately 10-11 employees. Core offerings include title search and examination, title commitments, owner's and lender's title insurance policies, and full closing/settlement services including document preparation, escrow, deed execution, and fund disbursement.
The company's technical backbone is built on the Qualia closing platform — specifically Qualia Connect for real-time transaction tracking, document storage, and eSign, Qualia/Encompass Two-Way Integration for lender interoperability, and Qualia Shield for buyer fraud protection. Common Bond Title holds the ALTA Best Practices Examined Seal (2024) and operates under issuing relationships with six national title insurance underwriters: Stewart Title, Fidelity National Title Group, First American, Old Republic National Title, Alliant National, and CATIC.
Revenue is generated on a transaction-based model: one-time title insurance premiums (typically 0.5%-1% of purchase price), title search/abstracting fees, and closing/settlement service fees, billed per closing. Go-to-market is sales-led through direct relationships with realtors, mortgage lenders, and home buyers/sellers, supplemented by educational content marketing and partnerships with the Greater Birmingham Association of Home Builders and the Southeastern Land Title Association. The company is affiliated with Common Bond Mortgage, LLC and operates affiliated title entities in Georgia and Florida as part of a multi-state Common Bond family of companies.
Common Bond Title firmographics
Firmographics- Name
- Common Bond Title
- Legal name
- Common Bond Title, LLC
- Website
- https://commonbondtitle.com
- Company type
- Private
- Founded year
- 1939
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Common Bond Title is a privately held title insurance and closing services agency founded in 1939, serving residential and commercial real estate transactions across Alabama, Florida, and Georgia through three offices and the Qualia closing platform.
- Ownership category
- akta.pro rank
Common Bond Title industry classification
Industry- Product category
- Title Insurance and Closing Services
- NAICS
- Title Abstract and Settlement Offices (541191)
- SIC
- Title Insurance (6361)
- akta.pro primary industry
- Title Search & Examination (BPAJAOAB)
- akta.pro secondary industries
- Abstracting Services (Title Abstracts) (BPAJAOAC), Document Preparation & Recording Services (Deeds, Liens) (BPAJAOAG), Title, Settlement & Closing Services Technology (FSALALAK)
Keywords
Where Common Bond Title is headquartered
LocationHeadquarters
- HQ city
- Jefferson
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Common Bond Title business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Title Insurance: One-time premium for title insurance coverage protecting against defects in title. Includes lender's (mortgagee) title insurance and owner's coverage. Premium is paid only once at closing with no renewal premiums or expiration date.
- Title Search and Examination: Search of public land records to examine deeds, mortgages, wills, liens, and other documents affecting title to property. Conducted to determine whether property is insurable.
- Closing/Settlement Services: Facilitation of real estate closing transactions including document preparation, escrow services, deed execution, and fund disbursement.
- Related Services: Title commitments, endorsements, flood zone determinations, and other title-related services incidental to real estate transactions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | One-time title insurance premium |
| Transaction based/ take rate | Pay-as-you-go | Title search and examination services |
| Transaction based/ take rate | Pay-as-you-go | Closing/settlement services |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
Common Bond Title product offering
Product offeringCore offering
Common Bond Title is a regional title insurance and closing services agency that provides title search, title examination, title insurance underwriting (owner's and lender's policies), and closing/settlement services for residential and commercial real estate transactions across Alabama, Florida, and Georgia. Services are delivered through three physical offices and the Qualia Connect digital platform, with policies issued through multiple national underwriters including Stewart, Fidelity National, First American, Old Republic, Alliant, and CATIC.
Product overview
Common Bond Title is a title insurance and closing services company offering residential and commercial real estate transaction services across Alabama, Florida, and Georgia. The company's core service is title search and title insurance, facilitated through a closing platform. They serve multiple customer segments including realtors, consumers (buyers and sellers), and lenders. Services include title commitment, title insurance policies (owner's and lender's), closing/settlement services, and document preparation. The company operates underwritten partnerships with multiple national title insurers including Stewart Title, Fidelity National Title Group, First American Title Insurance Company, Old Republic National Title Insurance Company, Alliant National, and CATIC.
Differentiator
Problem solved
Functional benefit
Products and services
- Title Insurance Title insurance policies protecting against defects in title, offered as owner's policy and lender's/mortgagee policy coverage for residential and commercial real estate transactions. One-time premium paid at closing with no renewal fees; protection lasts as long as the policyholder or their heirs maintain an interest in the property.
- Title Search and Examination Comprehensive search of public land records examining deeds, mortgages, liens, wills, and other documents affecting title to determine whether property is insurable and identify any outstanding debts or ownership issues.
- Closing/Settlement Services Facilitation of real estate closing transactions including document preparation, signing oversight, escrow services, deed execution, and fund disbursement for residential and commercial property sales.
- Lender Services Title and closing services specifically designed for mortgage lenders, including TRID-compliant document handling, contract upload capability, lender's title insurance, title commitments, and a single point of contact for loan transactions.
- Buyer Services Title search and owner's title insurance services for home buyers to verify seller ownership, identify outstanding title issues, and protect the buyer's home investment through closing.
- Seller Services Coordination of lien satisfactions, preparation of closing documentation, and seller representation at closing for residential and commercial property sellers.
- Realtor Services Title and closing services tailored for real estate professionals with access to a resource center containing reference guides, videos, and transaction support to facilitate contract-to-close processes.
Quantifiable outcome
- Title processing completed within 3 days
- +1 more outcomes
Companies that use Common Bond Title
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles3 records
Common Bond Title technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature3 records
Common Bond Title partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core and minor.
- Stewart TitlecoreNational title insurance underwriter providing insurance policies and support for Common Bond Title operations. Stewart provides technology platforms including rate calculator, flood information, natural hazard disclosure, and home warranty services integrated into Common Bond Title's service offering.
- Fidelity National Title Group (FNTG)coreOne of the largest title insurance underwriters in the nation. Provides title insurance policies and support for transactions in all three states served by Common Bond Title.
- First American Title Insurance CompanycoreMajor national title insurance underwriter providing title insurance products and support services.
- Old Republic National Title Insurance CompanycoreNational title insurance underwriter offering title insurance products and risk management support.
- Alliant National Title Insurance CompanycoreTitle insurance underwriter providing insurance policies for Common Bond Title operations.
- CATIC (Connecticut Attorneys Title Insurance Company)coreTitle insurance underwriter and member company serving title agents with insurance products.
- ALTA (American Land Title Association)coreNational trade association for the title insurance industry. Common Bond Title maintains ALTA Best Practices certification and participates in industry standards development.
- QualiacoreLeading closing platform providing Qualia Connect (title/escrow/closing platform), Qualia Shield (buyer protection features), and Encompass integration. Enables real-time transaction updates, document storage, and eSign capabilities for Common Bond Title clients.
- Common Bond Mortgage, LLCcoreAffiliated company providing mortgage lending services. Part of Common Bond family of companies offering integrated real estate services including title insurance and mortgage financing.
- Common Bond Title of Georgia, LLCcoreAffiliated entity providing title insurance services in Georgia. Part of Common Bond family of companies operating across multiple states.
- Common Bond Title of Florida, LLCcoreAffiliated entity providing title insurance services in Florida. Part of Common Bond family of companies operating across multiple states.
- Greater Birmingham Association of Home BuildersminorRegional trade association for home builders in Birmingham area. Partnership provides marketing visibility and referral relationships.
- Southeastern Land Title Association (SLTA)minorRegional trade association for title industry professionals in the southeastern United States.
- Title PacminorLocal title services partner in the Birmingham market offering title insurance and related products.
Scale indicators1 record
Recent moves1 record
Expansion highlights5 records
Common Bond Title competitors and assessment
Company assessmentEmerging players
- snapdocs: Digital closing platform serving mortgage lenders and title/settlement companies. Competes indirectly by offering lenders a digital closing experience that can bypass traditional title agencies or pressure fee structures.
Broad incumbents
- Old Republic National Title Insurance Company: National title underwriter and Core partner of Common Bond Title, providing policies and agency support. Competes in AL/FL/GA through both agency and direct operations.
- Stewart Title: One of the largest national title insurance underwriters and a Core underwriter partner of Common Bond Title. Also operates direct title/closing operations that compete with independent agencies like Common Bond Title for lender and realtor business.
- Fidelity National Title Group: Part of FNF, one of the largest US title insurance groups and a Core underwriter partner of Common Bond Title. Competes via direct operations and acquisitions of independent agencies in the Southeast.
- First American Title Insurance Company: Major national title underwriter and a Core partner of Common Bond Title. Operates direct underwriting and agent networks across AL/FL/GA, competing with independent agencies on premium split and direct closings.
Direct peers
- Westcor Land Title Insurance Company: Independent national title underwriter providing agency appointments similar to those Common Bond Title uses. A natural comparable as a mid-sized independent underwriter competing for agent and lender relationships.
- Investors Title Company: Public title insurance underwriter with an independent agency model. Comparable as a regional title insurance franchise operating alongside independent agents in multiple Southeast states.
- WFG National Title Insurance Company: Independent title underwriter competing for independent title agency appointments and lender business. Operates a national agent network comparable in scale and model to the underwriter partnerships Common Bond Title relies on.
- Alliant National Title Insurance Company: Independent title underwriter and a Core partner of Common Bond Title. Comparable as a mid-sized independent underwriter building market share through appointed agents.
Others
- Qualia: Closing and title technology platform used by Common Bond Title (Qualia Connect, Qualia Shield, Encompass 2WI). Adjacent/enabling peer as the digital infrastructure layer on which the agency operates; many other title agencies use Qualia as well.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Common Bond Title social profiles
Digital presenceCommon Bond Title compliance and trust
Trust signalCompliance2 records
Common Bond Title financial estimates
Financial estimateRevenue estimate
Valuation estimate
Common Bond Title leadership team
Management profileNumber of profiles
Profiles9 records
Common Bond Title funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Common Bond Title M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Common Bond Title
What does Common Bond Title do?
Common Bond Title is a regional title insurance and closing services agency that provides title search, title examination, title insurance underwriting (owner's and lender's policies), and closing/settlement services for residential and commercial real estate transactions across Alabama, Florida, and Georgia. Services are delivered through three physical offices and the Qualia Connect digital platform, with policies issued through multiple national underwriters including Stewart, Fidelity National, First American, Old Republic, Alliant, and CATIC.
Is Common Bond Title a public or private company?
Common Bond Title is a private company. It is classified as family owned and is currently operating.
When was Common Bond Title founded?
Common Bond Title was founded in 1939. It employs 11 to 50 people.
Where is Common Bond Title based?
Common Bond Title is headquartered in Jefferson, United States, in the North America region.
How does Common Bond Title make money?
Four revenue lines are on record. Title Insurance is the primary driver. The others are title Search and Examination, closing/Settlement Services and related Services.
Who are Common Bond Title's main competitors?
snapdocs is listed as an emerging player. Broad incumbents are Old Republic National Title Insurance Company, Stewart Title, Fidelity National Title Group and First American Title Insurance Company. Direct peers are Westcor Land Title Insurance Company, Investors Title Company, WFG National Title Insurance Company and Alliant National Title Insurance Company. Qualia is listed as an others.
Does Common Bond Title have an API?
No public API is recorded for Common Bond Title.
What industry is Common Bond Title in?
Common Bond Title's product category is Title Insurance and Closing Services. Its primary akta.pro industry code is BPAJAOAB, Title Search & Examination, with a secondary code of BPAJAOAC, Abstracting Services (Title Abstracts). Its NAICS code is 541191 and its SIC code is 6361.