Sun Title Agency

What Sun Title Agency does

Sun Title Agency is a privately held, founder-led title insurance and closing services company headquartered in Grand Rapids, Michigan, founded in 2004 by attorneys Tom Cronkright and Lawrence Duthler. The company provides both residential and commercial title services, including title insurance, escrow processing, closing services, and 1031 exchange support through a subsidiary (National 1031) and affiliated service providers. Sun Title operates 11 physical offices across West Michigan (Grand Rapids HQ, Big Rapids, Cascade, Rockford, Grand Haven, Grandville, Greenville, Holland, Ionia, Kalamazoo) and serves a broad customer base spanning residential buyers and sellers, commercial property owners and investors, real estate agents and attorneys, lenders, and builders/developers. In-house attorneys with over two decades of commercial transaction experience differentiate the commercial book, which spans townhome developments, mixed-use high-rises, hotel/restaurant construction, farmland, and 1031 exchange properties.

The technology stack is cloud-based on Microsoft Azure infrastructure and includes proprietary tools such as Sunny AI (a conversational AI chatbot launched in 2023, with SMS extension in 2025), Sun Title Agent ONE (a mobile closing-cost calculator app), and a digital payment platform supporting earnest money deposits up to $10,000. Sun Title integrates with third-party partners for wire fraud protection (CertifID, founded by the same founders), e-closing (SoftPro), electronic signatures (DocuSign), and e-recording. Revenue is generated primarily through transaction-based fees including title insurance premiums, escrow and closing fees, digital payment processing fees, and professional services for 1031 exchanges. Underwriter relationships with Fidelity National Financial, First American Title, Old Republic Title, and Stewart Title support the commercial policy issuance.

Sun Title's go-to-market is sales-led and relationship-driven, emphasizing a 'Yes Company' service philosophy that prioritizes solutions over refusals, in-house legal counsel availability, and multi-channel education (seminars, webinars, and content marketing targeting real estate professionals on wire fraud, 1031 exchanges, and title issues). Marketing channels include educational seminars, blog/resources content, Facebook and LinkedIn, an AI chatbot for consumer engagement, community initiatives (Hand2Hand hunger relief partnership), and Spanish-language resources. The company is a founder-owned and operated private firm with no disclosed institutional funding, M&A activity, or public market presence.

Name

Sun Title Agency

Legal name

Sun Title Agency LLC

Website

https://suntitle.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

101–250 employees

Short description

Sun Title Agency is a privately held Michigan-based title insurance and closing services company operating 11 offices across West Michigan, serving residential and commercial real estate buyers, sellers, agents, lenders, builders, and investors with in-house attorneys and a 'Yes Company' service philosophy.

Ownership category

akta.pro rank

Product category

Title Insurance & Escrow Services

NAICS

Title Abstract and Settlement Offices (541191), Direct Title Insurance Carriers (524127)

SIC

Title Insurance (6361)

akta.pro industry

PRIMARYFSAJACAL

Title Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Property Insurance (Homeowners, Renters & Commercial Property)

SECONDARYBPAJAOAA

Title Insurance & Underwriting

Business & Public Services/Real Estate Services (Brokerage, Property Management)/Real Estate Transaction Services (Escrow, Title & Closing Coordination)

SECONDARYBPAJAOAE

Closing & Settlement Services (Settlement Agents)

Business & Public Services/Real Estate Services (Brokerage, Property Management)/Real Estate Transaction Services (Escrow, Title & Closing Coordination)

SECONDARYFSALALAK

Title, Settlement & Closing Services Technology

Financial & Insurance/Mortgage & Housing Finance/Mortgage Technology, Underwriting & Valuation Services (LOS/AUS/Appraisal)

Keywords

• Title insurance services
• Escrow closing services
• Commercial title insurance
• Residential title services
• Real estate closings

Headquarters

HQ city

Grand Rapids

HQ country

United States

HQ region

North America

Offices11 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Title Insurance: Title insurance policies protecting property buyers from potential losses or third-party interests. Includes owner's policies and lender's policies.
2. Escrow Services: Escrow processing and closing services for residential and commercial real estate transactions.
3. Closing Fees: Fees for closing services including document preparation, title searches, and settlement services.
4. Digital Payment Processing: Processing fees for online earnest money deposits through secure digital payment platforms.
5. 1031 Exchange Services: Specialized exchange services through National 1031 for investors deferring capital gains via property exchanges.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Sun Title Agency provides commercial and residential title insurance and escrow/closing services across Michigan through 11 physical offices. The company issues title insurance policies, conducts title searches, manages escrow processing, and coordinates closings for property buyers, sellers, agents, lenders, builders, developers, and investors, supported by in-house attorneys and proprietary digital tools.

Product overview

Sun Title Agency is a Michigan-based title company offering residential and commercial title services with a unified platform approach. The core offering consists of residential and commercial title services with in-house attorneys and specialized expertise. The product portfolio includes Sunny AI as an AI-powered chatbot for real estate question answering, Sun Title Agent ONE as a mobile app for closing estimates and rate calculations, National 1031 for exchange services, wire fraud protection via CertifID integration, and digital closing solutions through SoftPro and DocuSign partnerships.

Differentiator

Problem solved

Functional benefit

Brands

• Sunny: AI-enabled digital assistant designed to answer real estate transaction questions for customers and their clients. Available via website chat and SMS text.
• SunTitleAgentOne
• National 1031

Products and services

• Residential Title Services Comprehensive title services for residential real estate transactions including title searches, title insurance (owner's and lender's policies), escrow processing, closing services, and ongoing support for agents, attorneys, lenders, buyers, sellers, builders, developers, and investors.
• Commercial Title Services Large-scale commercial title and escrow services handled by in-house attorneys with over two decades of commercial transaction experience, covering townhome developments, mixed-use high-rises, hotel/restaurant construction, farmland, and 1031 exchanges.
• National 1031 Exchange Services Specialized 1031 exchange services through National 1031 (an affiliated Sun Title entity), helping commercial real estate investors defer capital gains taxes by exchanging into another property.

Quantifiable outcome

• Final title insurance policy delivered within 30 business days following closing
• +2 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability3 records

Feature8 records

Partnerships

Eleven partnerships are on record, tiered core.

• CertifIDcoreTechnology or IntegrationWire fraud protection software partnership. CertifID was founded by Sun Title's own founders (Tom Cronkright and Lawrence Duthler) to address real estate wire fraud. Provides identity verification and secure funds transfer protection for Sun Title transactions.
• EarnestcoreTechnology or IntegrationDigital payment platform partnership offering completely digital transfers for earnest money deposits in real estate transactions.
• Sun Title OnecoreTechnology or IntegrationNet sheet and closing cost app platform developed by Sun Title founders. Offers buyers estimates, calculators, and closing cost information.
• SoftProcoreTechnology or IntegrationDigital and hybrid e-closing platform partnership allowing title companies to offer secure digital signing experiences for remote or in-person closings.
• DocuSigncoreTechnology or IntegrationElectronic signing platform partnership providing e-signing, electronic notarization, and multi-platform document delivery.
• eRecording Partners NetworkcoreTechnology or IntegrationElectronic document recording partnership for submitting and receiving recorded documents digitally with county recording offices.
• National 1031coreStrategic or Co-development PartnerAffiliated 1031 exchange company founded by Sun Title. Specializes in helping commercial real estate investors defer capital gains through property exchanges.
• Fidelity National FinancialcoreOthersTitle insurance underwriter for Sun Title's commercial transactions, providing title insurance policies and risk coverage.
• First American Title InsurancecoreOthersTitle insurance underwriter for Sun Title's commercial transactions, providing title insurance policies and risk coverage.
• Old Republic TitlecoreOthersTitle insurance underwriter for Sun Title's commercial transactions, providing title insurance policies and risk coverage.
• Stewart TitlecoreOthersTitle insurance underwriter for Sun Title's commercial transactions, providing title insurance policies and risk coverage. Also sponsors the Live Wire 2024 conference.

Scale indicators4 records

Recent moves9 records

Expansion highlights5 records

Broad incumbents

• Fidelity National Financial: Parent of Fidelity National Title and one of the largest title insurance underwriters in the U.S. Acts as one of Sun Title's commercial underwriters, and competes as a full-stack title and escrow provider nationally.
• First American Title Insurance Company: One of the largest national title insurers and escrow service providers. Direct comparable for Sun Title on the title insurance and closing services side, but operates at a national scale far beyond Sun Title's Michigan footprint and also issues policies directly as an underwriter.
• Stewart Title: Major national title insurance underwriter and agency operator. Listed as one of Sun Title's commercial underwriters and as a sponsor of the Live Wire 2024 conference, indicating close working overlap in title and escrow services.
• Old Republic Title: National title insurance underwriter with agency operations. One of Sun Title's commercial underwriters and provides similar title insurance and escrow products, though at substantially larger scale nationwide.

Emerging players

• Doma Title Insurance: Technology-forward title insurance and escrow provider using AI and automation. Conceptually adjacent to Sun Title's Sunny AI strategy but pursuing national scale rather than a regional agency model.

Direct peers

• Title Resources Group: Title insurance underwriter with a national agency network. Provides similar title insurance and settlement services and competes for the same agent and lender relationships that Sun Title serves.
• Investors Title Company: Mid-sized title insurance underwriter and agency providing title insurance and escrow services. Comparable to Sun Title in offering both residential and commercial title services through agency and direct operations.
• WFG National Title Company: National title insurance and escrow agency with a distributed model similar to Sun Title's agency-relationship approach. Operates across multiple states with comparable title, escrow, and closing service offerings.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/suntitleagency
• LinkedInlinkedin.com/company/suntitleagency

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

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 Sun Title Agency