Guaranty Title

What Guaranty Title does

FirsTitle, operating under the brand name previously known as Guaranty Title, is a Tulsa, Oklahoma-headquartered title insurance and closing services company that has operated continuously since 1920. It is a privately held subsidiary of Fidelity National Financial (FNF), the nation's largest title insurer by volume, which leads the title industry in claims reserves at approximately $1.5 billion. The company provides title insurance, escrow, and closing services for residential, commercial, lender, and energy-sector real estate transactions through 11+ direct-service offices across Oklahoma (with claims of 30 locations in 24 counties and control access in 18 counties), serving home buyers and sellers, Realtors, lenders, commercial developers, and renewable energy companies.

The company's core offering comprises three service lines: residential title and escrow, commercial title and escrow (including complex multi-parcel work such as wind farms and solar installations), and abstracting services delivered through a partnership with Smith Brothers Abstract. Title insurance policies are underwritten through three major carriers — Chicago Title Insurance Company, Commonwealth Land Title Insurance Company, and Fidelity National Title Insurance Company — all part of the FNF family. The company supports transactions with a digital tool stack including the FirsTitleAgent ONE mobile/web app (buyer estimates, seller net sheets), the FirsTitle Estimator closing-cost calculator (built with LodestarSS), and the inHere digital transaction management platform. Its tech stack is partnership-driven rather than proprietary, with no disclosed AI/ML capabilities.

FirsTitle generates revenue through one-time title insurance policy premiums, transactional escrow and closing fees, and professional services fees for abstracting. Pricing is quote-based and not publicly disclosed. Go-to-market is direct-to-consumer across multiple office locations, supplemented by a National Accounts division serving multi-location transactions (refinances, HELOCs, bulk, REO, builder services), a digital marketing presence on Facebook, Instagram, LinkedIn, and Twitter/X, and an education/resources hub on gtytitle.com. Leadership includes President Alicia Cosby (who also serves as President of Chicago Title Oklahoma) and a stated CEO Luke Strawn, with functional heads across title insurance, escrow, sales, business development, and operations.

Name

Guaranty Title

Legal name

FirsTitle

Website

https://gtytitle.com

Company type

Private

Founded year

1920

Operating status

Operating

Headcount range

51–100 employees

Short description

FirsTitle (formerly Guaranty Title) is a Tulsa-headquartered title insurance and closing services company, operating since 1920 and serving residential, commercial, lender, and energy-sector real estate clients through 11+ Oklahoma offices as a subsidiary of Fidelity National Financial.

Ownership category

akta.pro rank

Product category

Title Insurance and Real Estate Settlement Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Title Insurance (6361)

akta.pro primary industry

Title Search & Examination (BPAJAOAB)

akta.pro secondary industry

Abstracting Services (Title Abstracts) (BPAJAOAC)

Keywords

• Title insurance services
• Escrow services
• Real estate closing
• Settlement services
• Title abstracting

Headquarters

HQ city

Tulsa

HQ country

United States

HQ region

North America

Offices11 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Title Insurance Policies: One-time fees for owner's and lender's title insurance policies issued at closing for real estate transactions.
2. Escrow and Closing Services: Fees for escrow services, closing services, and settlement services for residential and commercial real estate transactions.
3. Abstracting Services: Fees for abstracting services including commercial, residential, and farm/ranch property title research, provided through partnership with Smith Brothers Abstract.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Guaranty Title (operating as FirsTitle) provides title insurance policies, escrow services, and closing/settlement services for residential and commercial real estate transactions across Oklahoma. The company also delivers title abstracting services for commercial, residential, and farm/ranch properties through its partnership with Smith Brothers Abstract, supplemented by digital tools (FirsTitleAgent ONE, FirsTitle Estimator, and the inHere platform) that support real estate professionals and consumers.

Product overview

FirsTitle is a title insurance and closing services company that operates as part of Fidelity National Financial (FNF), the nation's largest title insurer by volume. The company provides residential, commercial, and abstracting services across Oklahoma with a network of over 30 locations. FirsTitle's product portfolio centers on core title insurance and settlement services supported by a suite of digital tools including FirsTitleAgent ONE (a closing cost mobile/web application), the FirsTitle Estimator (closing cost calculator), and the inHere digital transaction management platform. The company also offers abstracting services through its partnership with Smith Brothers Abstract, serving commercial, residential, and farm/ranch property types. Title insurance products are underwritten through partnerships with Chicago Title Insurance Company, Commonwealth Land Title Insurance Company, and Fidelity National Title Insurance Company.

Differentiator

Problem solved

Functional benefit

Brands

• FirsTitleAgent ONE: Mobile application providing buyer estimates, seller net sheets, and social media tools for real estate professionals. Available on iOS, Android, and Web platforms.
• FirsTitle Estimator
• inHere

Products and services

• Residential Title and Closing Services Title insurance policies (owner's and lender's) plus escrow and closing services for residential home purchases, sales, and refinances. Targeted at individual home buyers and sellers, Realtors, and residential lenders across Oklahoma.
• Commercial Title and Closing Services

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core and minor.

• Chicago Title OklahomacoreStrategic or Co-development PartnerFirsTitle operates Chicago Title Oklahoma under the same leadership, with Alicia Cosby serving as President of both entities, ensuring coordinated operations and consistent service delivery across the state.
• Smith Brothers AbstractcoreStrategic or Co-development PartnerFirsTitle works seamlessly with Smith Brothers Abstract to provide top quality abstracting services with a positive customer experience. Smith Brothers provides commercial and residential abstracting expertise.
• CLTIC (Chicago Title Insurance Company)coreOthersOne of three major title insurance underwriters for which FirsTitle issues policies. CLTIC provides the insurance backing for title commitments and policies issued.
• CTIC (Commonwealth Land Title Insurance Company)coreOthersOne of three major title insurance underwriters for which FirsTitle issues policies. CTIC provides the insurance backing for title commitments and policies issued.
• FNTIC (Fidelity National Title Insurance Company)coreOthersOne of three major title insurance underwriters for which FirsTitle issues policies. As part of FNF family, FNTIC provides insurance backing for title commitments and policies issued.
• Fidelity National Financial (FNF)coreOthersParent company and nation's largest title insurer by volume. FNF leads the title industry in claims reserves with almost $1.5B, providing FirsTitle with national scale and financial strength.
• EDF Renewable EnergyminorOthersFirsTitle coordinated abstracting, performed title work, and issued owner's and lender's title insurance policies for EDF Renewable Energy's project containing 347 parcels in 2 counties in 2016.
• InvenergyminorOthersFirsTitle performed title work and issued title insurance for Invenergy's Sundance Wind Farm Project in 2020 and 2021, covering 193 parcels in 3 counties.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• First American Title Insurance Company: One of the largest US title insurance underwriters offering owner's and lender's policies, escrow, and closing services that compete directly with FirsTitle's offering at the national level.
• Stewart Title: Major national title insurance underwriter and agency operator with direct overlap to FirsTitle's title search, escrow, and closing services across residential and commercial transactions.
• Old Republic National Title Insurance: National title insurance carrier with residential and commercial closing operations; overlaps with FirsTitle on issuance and escrow services across multiple state markets.

Emerging players

• Endpoint: Digital closing platform offering remote online notarization and title services that bypass traditional agency relationships, representing an emerging threat to FirsTitle's intermediation model.
• Doma: Tech-enabled title company (formerly known as Title365) using AI and machine learning to streamline title underwriting and closings - a direct disruptive challenger to traditional agencies like FirsTitle.

Direct peers

• North American Title Insurance Company: FNF sister title underwriter providing residential, commercial, and escrow services; comparable as a fellow FNF portfolio company with overlapping product mix.
• Chicago Title Insurance Company: A national title insurance carrier under FNF and one of the three underwriters for which FirsTitle issues policies. FirsTitle itself operates Chicago Title Oklahoma under the same president, making it the closest direct operational sibling.
• Investors Title Company: Public mid-size title insurance underwriter and agency providing title search, escrow, and closing services across the southeastern US, comparable in operating model to FirsTitle.
• Capital Title of Texas: Regional title insurance agency with multi-office Texas presence offering residential and commercial closing services; comparable regional title operating model.
• Knight Barry Title Group: Midwest regional title and escrow services company of similar scale to FirsTitle, providing residential and commercial title insurance through distributed office locations.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/guaranty_title
• Facebookfacebook.com/firstitle
• LinkedInlinkedin.com/company/firstitle
• Instagraminstagram.com/firstitle.official

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Guaranty Title