Closeline

What Closeline does

Closeline Settlements is a privately held national title insurance and escrow company headquartered in Rockville, Maryland, founded in 1993 by Elliot M. Liss, Esq. The company delivers title insurance, escrow, and closing services to homebuyers, real estate investors, lenders, mortgage brokers, real estate agents, builders and developers, attorneys handling deeds and estates, and reverse mortgage borrowers across the United States. Closeline operates more than 20 fully staffed offices and is licensed to operate in 44 states through wholly-owned subsidiaries, enabling multi-state transaction coordination under a single dedicated account manager model. The company reports more than 100,000 loans successfully closed since inception and an average title turnaround of 2–4 days.

The core technology stack is an in-house proprietary web-based title and escrow platform that supports online title ordering, real-time order tracking, electronic document handling, digital closings, integrated GFE-based fee quoting, and case funding. Product lines include the Online Title Company platform (end-to-end order-to-fund workflow), Text2Close (an SMS lead generation tool for real estate agents), TitleConnect (a cooperative alliance platform for independent title agents offering shared compliance, IT, HR, and 40+ state licensing), Validata Lender Services (an appraisal management subsidiary providing nationwide appraisal, flood, and income verification services), and a digital earnest money deposit portal integrated with Earnnest and Plaid. Closeline is an approved settlement provider with all major nationwide lenders and operates as an independent licensed agent for multiple title insurance underwriters, including First American Title Insurance Company, Fidelity National Title, and WFG National Title.

Closeline's revenue model is transaction-based: per-closing title insurance premiums, escrow and settlement fees, a flat $450 fee for deed and estate processing, refinance title and closing service fees, and an $18 per-transaction fee on digital earnest money deposits routed through Earnnest. The company complements per-transaction pricing with quote-based bundled one-fee title/escrow/closing packages, customized fee programs for builders and developers, and free tools (GFE Calculator, Text2Close) that function as top-of-funnel demand generation for the proprietary platform. Go-to-market combines a self-serve online ordering portal, dedicated inside-sales account managers, enterprise field-sales relationships with nationwide lenders, a partner/agent channel via TitleConnect, and SEO-optimized state-specific title company pages covering 17+ states.

Name

Closeline

Legal name

Closeline Settlements

Website

https://closeline.com

Company type

Private

Founded year

1999

Operating status

Operating

Short description

Closeline Settlements is a privately held national title insurance and escrow company licensed in 44 states, serving lenders, mortgage brokers, real estate agents, investors, builders, and consumers through 20+ staffed offices and an in-house proprietary online closing platform.

Ownership category

akta.pro rank

Product category

Title Insurance and Escrow Services

NAICS

Title Abstract and Settlement Offices (541191)

SIC

Title Insurance (6361)

akta.pro primary industry

Closing & Settlement Services (Settlement Agents) (BPAJAOAE)

akta.pro secondary industries

Closing Coordination & Transaction Management (Broker/Agent Support) (BPAJAOAH), Notary & Signing Agent Services (Remote/Onsite) (BPAJAOAF), Title, Settlement & Closing Services Technology (FSALALAK)

Keywords

• Title insurance services
• Escrow settlement services
• Real estate closings
• Title search examination
• National lender services

Headquarters

HQ city

Rockville

HQ country

United States

HQ region

North America

Offices15 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: Closeline acts as an independent, licensed title agent for major underwriters (First American Title Insurance Company, Fidelity National Title, WFG National Title). Title insurance policies (lender's and owner's) are sold to homebuyers and lenders, with premiums paid at closing as a one-time fee. Local underwriting authority enables rapid decision-making without stalling the settlement process.
2. Escrow and Settlement Services: Fees earned for serving as the neutral third-party closing agent, holding funds in escrow, disbursing payments, and managing the closing process. Includes sub-escrow services for lenders that do not require full closing services (ordering demands, payoff of liens/creditors, HUD preparation, partial or full disbursement).
3. Digital Earnest Money Deposit Processing: Earnnest-powered digital EMD portal charges a $18 transaction fee per earnest money deposit payment processed. Closeline uses Earnnest as the service provider for fully digital fund transfers via ACH.
4. Deed and Estate Processing Services: Flat fee of $450 for deed processing, deed review, lien certificate issuance, walkthrough recording service. Court clerk fees not included. Applicable to divorce proceedings, estates, and trusts for the real estate component. Available for properties in all 50 states.
5. Refinance Title and Closing Services: Title ordering, lien clearance, and closing services for refinance transactions. Includes online ordering, document preparation, 24-hour file tracking, early HUD preview, and post-closing document CD with optional Realtor branding.

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels8 records

Core offering

Closeline Settlements is a national title and escrow company that issues title insurance policies and acts as a neutral third-party closing agent for real estate purchase, refinance, and reverse mortgage transactions across 40+ states. It pairs this service with a proprietary web-based platform that supports online title ordering, real-time order tracking, electronic document handling, digital closings, and integrated payment solutions. The company also offers complementary products including Text2Close (SMS lead generation), Validata Lender Services (appraisal management), and the TitleConnect alliance platform for independent title agents.

Product overview

Closeline Settlements operates as America's Title Technology, offering a comprehensive suite of title insurance, escrow, and settlement services through a multi-product portfolio. The core offering centers on the Online Title Company platform—a proprietary online system handling the entire title process from ordering to funding—complemented by the National Title Company sub-brand providing consistent multi-state service with dedicated account managers. Additional products include Text2Close (a complimentary lead generation tool using SMS for realtors), TitleConnect (a cooperative platform enabling independent title agents to access compliance support and multi-state licensing), and Validata Lender Services (an appraisal management sub-brand). The company also provides specialized settlement services for purchases, refinances, reverse mortgages, investors, builders/developers, and commercial transactions, all supported by in-house technology developed for security and convenience of lender, broker, and realtor clients nationwide. Closeline works with major title insurance underwriters including First American Title Insurance Company, Fidelity National Title, and WFG National Title.

Differentiator

Problem solved

Functional benefit

Brands

• Text2Close: A complimentary lead generation tool for agents and realtor clients to share property details with prospective clients at the speed of text.
• TitleConnect
• Validata Lender Services
• TitleConnect Alliance

Products and services

• Online Title Company Platform

Quantifiable outcome

• Successfully closed over 100,000 loans since inception
• +3 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature9 records

Partnerships

17 partnerships are on record, tiered core and minor.

• First American Title Insurance CompanycoreOthersCloseline Settlements is an independent, licensed title agent working with First American Title Insurance Company as a major underwriter. First American provides title insurance policies that Closeline issues to lenders and homebuyers. The ability to work with multiple underwriters allows Closeline to get second opinions on complex title issues and make fast local underwriting decisions.
• Fidelity National Title (and family of companies)coreOthersCloseline Settlements works with Fidelity National Title and its family of companies as a major title insurance underwriter. This partnership provides access to Fidelity's national title insurance products and enables Closeline to offer comprehensive coverage options across all markets.
• WFG National TitlecoreOthersCloseline Settlements is an independent, licensed title agent for WFG National Title. This underwriter relationship complements First American and Fidelity partnerships, giving Closeline multiple insurance products to offer clients and the ability to solve complex title challenges collectively.
• Validata Lender Services, LLC (VLS)coreTechnology or IntegrationFounded by Elliot Liss, Closeline's Founder & CEO, Validata Lender Services is a residential appraisal management company that Closeline offers as a complementary service. Validata provides a nationwide network of certified appraisers, flood determination, document preparation, and income verification services. It operates as a seamless integration with Closeline's title and escrow platform.
• TitleConnectcoreStrategic or Co-development PartnerTitleConnect is a cooperative-format strategic alliance platform for title agents, co-founded by Closeline's Elliot Liss in 2014. It enables independent title agents to retain independence while accessing centralized IT support, HR administration, accounting, compliance assistance for ALTA Best Practices, and title/escrow licensing in more than 40 states. Founding members include Closeline Settlements, Capitol Title, and Broadview Title.
• Broadview TitlecoreStrategic or Co-development PartnerCo-founding member of TitleConnect alongside Closeline Settlements and Capitol Title. Broadview Title is an independent title agent that benefits from the TitleConnect alliance platform's shared resources and compliance support.
• Capitol TitlecoreStrategic or Co-development PartnerCo-founding member of TitleConnect alongside Closeline Settlements and Broadview Title. Capitol Title is headquartered at 702 King Farm Blvd, Suite 155, Rockville, MD 20850 (same campus as Closeline's HQ). A key alliance partner in the TitleConnect cooperative.
• Client First Settlement Services LLCminorChannel Partner/ Reseller/ DistributorTitleConnect member company (McLean, VA) operating as an independent settlement services provider within the TitleConnect alliance network.
• David P. Modell (Law Office)minorChannel Partner/ Reseller/ DistributorTitleConnect member company (Bethesda, MD) operating as an independent real estate law office within the TitleConnect alliance network.
• All Major Nationwide LenderscoreChannel Partner/ Reseller/ DistributorCloseline is an approved settlement provider with all major nationwide lenders. This partnership enables lenders to use Closeline as a preferred title and closing agent across all states where Closeline is licensed, providing a consistent, compliant closing partner for their nationwide lending operations.
• Colorectal Cancer AllianceminorOthersCloseline supports the Colorectal Cancer Alliance as part of its community stewardship program in the Washington Metro area. The alliance's mission is to empower a nation of allies who provide support for patients and families, caregivers, and survivors; raise awareness of preventative measures; and inspire efforts to fund critical research.
• Veterans Airlift Command (VAC)minorOthersCloseline supports the Veterans Airlift Command, which provides free air transportation to post-9/11 combat wounded veterans and their families for medical and other compassionate purposes. Several Closeline employees are volunteer pilots in this program.
• Cystic Fibrosis FoundationminorOthersCloseline supports the Cystic Fibrosis Foundation as part of its charitable giving program in the Washington Metro area.
• PenFed FoundationminorOthersCloseline supports the PenFed Foundation, a national nonprofit that provides service members, veterans, their families, and support networks with skills and resources for financial education, credit-building, and homeownership.
• St. Mary's Ryken High SchoolminorOthersCloseline supports St. Mary's Ryken High School as part of its community stewardship, helping young men and women in the local area.
• Toys for TotsminorOthersCloseline supports the Marine Toys for Tots Foundation, which assists the U.S. Marine Corps in providing toys to economically disadvantaged children at Christmas.
• Friendship CircleminorOthersCloseline supports Friendship Circle of Greater Washington DC/Montgomery County, which provides friendship, inclusion, and emotional support for children with special needs.

Scale indicators11 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• First American Title Insurance Company: One of the largest U.S. title insurers and underwriters, and a current underwriter partner of Closeline. Comparable as a national title and escrow provider, but operates at far greater scale with direct (captive) agency operations alongside its independent agent network.
• Fidelity National Title: Major national title insurer and underwriter partner of Closeline. Comparable as a multi-state title and escrow services provider, but combines direct operations with an independent agent network and operates at substantially larger scale.
• Stewart Title: Large multi-national title insurer and settlement services provider. Comparable as a full-service title and escrow company with proprietary technology and direct operations across many of the same states Closeline serves.
• Old Republic National Title: Major U.S. title underwriter with both direct and independent agent operations. Comparable to Closeline as a national title and escrow services provider competing for the same lender and broker volume.
• WFG National Title: National title underwriter and current Closeline underwriter partner. Comparable as a multi-state title and settlement services provider with both direct operations and an independent agent channel.

Emerging players

• Doma (now Doma Title Insurance, formerly known as States Title): Tech-driven title insurer using AI/ML for title examination and instant underwriting. Directly comparable to Closeline as a national title and settlement provider, but differentiated by an asset-light, technology-first model competing with legacy agency infrastructure.
• Qualia: Technology platform serving title and escrow companies with closing, collaboration, and post-close workflow tools. Comparable as it competes for the same technology spend within title agencies and increasingly offers direct settlement services that overlap with Closeline's offering.

Direct peers

• Title Resources Guaranty: National title underwriter with a focus on independent agent distribution. Comparable to Closeline's positioning as a multi-state title and escrow company serving lender and broker clients, but operating as the carrier side of the agent-underwriter relationship.
• Investors Title Company: Mid-size publicly traded national title insurer with multi-state agency operations. Comparable as a national title and settlement services provider, but smaller scale and a more conservative geographic footprint than Closeline's 44-state reach.
• Westcor Land Title: Mid-size national title agency serving lenders and real estate professionals across multiple states. Comparable to Closeline as an independent, multi-state title and escrow company with a similar customer mix of lenders, brokers, and agents.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/closeline-llc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

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 Closeline