Capitol Title

What Capitol Title does

Capitol Title Group is an attorney-owned title insurance and settlement services company founded in 1973 and headquartered in Rockville, Maryland. The firm provides title searches, title insurance underwriting (as a licensed agent of First American Title Insurance Company and Fidelity National Title Insurance Company), escrow services, and closing/settlement coordination for residential and commercial real estate transactions across Maryland, the District of Columbia, and Northern Virginia. Its core technology stack consists of a proprietary web-based settlement platform with online title ordering, integrated digital earnest money deposit (EMD) processing through a partnership with Earnnest (using Plaid for bank verification), and virtual closing capabilities supporting Remote Online Notarization, hybrid closings, and web-based audio/video sessions via Microsoft Teams, Skype, and GoToMeeting. The business operates an 11-office branch network, conducts thousands of settlements annually, and is licensed in 44 states through subsidiaries.

The company's revenue model is transaction-based, generating fees from each closing through a combination of title insurance premiums (retained as agent commission) and settlement/closing service fees, with quote-based pricing that varies by property value and transaction type. Go-to-market is referral-driven, anchored by long-standing relationships with real estate brokerages (Long & Foster, Christie's International, Champion Realty) and mortgage lenders, supplemented by continuing-education seminars for realtors, content marketing through legal bulletins, and digital channels. The firm serves three primary customer segments — homebuyers/sellers (consumers), real estate agents (referral partners), and lenders (institutional counterparties) — with bilingual settlement and escrow services available.

Capitol Title differentiates through attorney ownership, a 50-year brand reputation, and embedded relationships with the Mid-Atlantic real estate community. Strategic positioning includes co-founding membership in Title Connect, a cooperative of large-scale title firms, and the 2021 acquisition of Homeland Title. The firm holds ALTA Best Practices Certification and operates without external institutional capital as a privately-held, attorney-owned enterprise.

Name

Capitol Title

Legal name

Capitol Title Group

Website

https://capitoltitle.com

Company type

Private

Founded year

1973

Operating status

Operating

Headcount range

51–100 employees

Short description

Capitol Title Group is an attorney-owned title insurance and settlement services company founded in 1973, conducting thousands of real estate closings annually across Maryland, DC, and Northern Virginia through 11 branch offices and a proprietary digital settlement platform.

Ownership category

akta.pro rank

Product category

Title and Settlement Services

NAICS

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

SIC

Title Insurance (6361), Services-Legal Services (8111)

akta.pro primary industry

Title Insurance (FSAJACAL)

akta.pro secondary industries

Title Search & Examination (BPAJAOAB), Notary & Signing Agent Services (Remote/Onsite) (BPAJAOAF), Document Preparation & Recording Services (Deeds, Liens) (BPAJAOAG)

Keywords

• Title insurance services
• Real estate settlements
• Title search services
• Escrow services
• Settlement coordination

Headquarters

HQ city

Rockville

HQ country

United States

HQ region

North America

Offices11 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Settlement Services: Title and settlement/closing services for real estate transactions, including preparation of settlement documents, coordination of closing, and escrow services. Revenue is generated through fees charged to buyers and sellers for conducting real estate closings.
2. Title Insurance: Owner's and lender's title insurance policies offered as a licensed agent of First American Title Insurance Company and Fidelity National Title Insurance Company. One-time premium paid at settlement for coverage lasting as long as the property owner holds title.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Capitol Title Group is an attorney-owned title and settlement services company that has been operating since 1973 in Maryland, the District of Columbia, and Northern Virginia. The company provides title insurance (owner's and lender's policies), real estate closings, escrow services, title searches, and pre-settlement processing for residential and commercial property transactions. Services are delivered through a network of 11 branch offices, an online ordering platform, and multiple closing modalities including in-person, virtual (RON), and hybrid options.

Product overview

Capitol Title Group is an attorney-owned settlement services company operating since 1973, offering a unified platform of title and settlement services primarily in Maryland, DC, and Northern Virginia. The core product is settlement/closing services for real estate transactions, supported by title insurance products (owner's and lender's policies) underwritten by First American Title Insurance Company and Fidelity National Title Insurance Company. The service portfolio includes pre-settlement processing, escrow services, home title searches, and online title ordering as integrated modules. Digital capabilities include the TRID/GFE Calculator, an online ordering portal, and digital earnest money deposits via Earnnest. Virtual closing options (Touchless Closings) range from fully remote online notarization to hybrid approaches. An e-book guide ('Keys to A Successful Settlement') supplements the service offering for homebuyers.

Differentiator

Problem solved

Functional benefit

Products and services

• Settlement Services Core settlement and closing services for real estate transactions including residential and commercial property purchases, refinances, and sales across Maryland, DC, and Northern Virginia. Conducted in Capitol Title offices or in agent/lender business offices, with options for in-person, virtual, or hybrid closings.
• Title Insurance Owner's and lender's title insurance policies to protect against defects of title, liens, and ownership claims. Offered as a licensed agent of First American Title Insurance Company and Fidelity National Title Insurance Company. One-time premium paid at settlement.
• Pre-Settlement Processing Pre-closing preparation services including title search, house location drawings, payoff figures, HOA coordination, insurance binder preparation, and settlement document preparation for real estate transactions.
• Escrow Services Third-party escrow services holding funds and documents during real estate transactions to ensure secure transfer between buyers and sellers, with bilingual settlement and escrow services available.
• Home Title Search Property title search service examining public records to confirm legal ownership, reveal claims and liens, and ensure clear title before purchase. Available for individual property owners and real estate professionals.
• Digital Earnest Money Deposit (EMD) Processing Electronic earnest money deposit processing through the Earnnest platform, enabling buyers to send EMDs to Capitol Title directly from their financial institution through ACH payments with fraud mitigation and real-time notifications.
• Touchless/Virtual Closings Multiple virtual closing options including fully remote online notarization (RON/eClosing), hybrid approaches, and socially distant in-person closings, conducted via Microsoft Teams, Skype, or GoToMeeting with a settlement officer.

Quantifiable outcome

• Conduct thousands of settlements every year in Maryland, DC, and Northern Virginia

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core.

• Title ConnectcoreStrategic or Co-development Partner · 1 January 2014Cooperative format-based title organization connecting large-scale title organizations. First cooperative format title organization in the industry. Founding organizations include Capitol Title, Closeline Settlements, and Broadview Title. Co-founded by Elliot M. Liss, Esq.
• First American Title Insurance CompanycoreChannel Partner/ Reseller/ DistributorCapitol Title is a licensed title insurance agent offering First American Title Insurance Company products to buyers and lenders. Provides owner's and lender's title insurance policies to protect against title defects and claims.
• Fidelity National Title Insurance CompanycoreChannel Partner/ Reseller/ DistributorCapitol Title is a licensed title insurance agent offering Fidelity National Title Insurance Company products. Provides title insurance coverage options for real estate transactions.
• Goldstein & Levy, P.A.coreStrategic or Co-development PartnerAffiliated law firm that acts as general counsel to Capitol Title, providing legal support on real estate transactional issues, disputes, title insurance matters, and closings. Andrew G. Levy, Esq. is a partner in the firm and serves as general counsel.
• Closeline SettlementscoreStrategic or Co-development PartnerCo-founding organization of Title Connect cooperative. Related company founded by Michael P. Bell, Esq. Operating as part of the Title Connect network.
• Broadview TitlecoreStrategic or Co-development PartnerCo-founding organization of Title Connect cooperative along with Capitol Title and Closeline Settlements.

Scale indicators3 records

Recent moves8 records

Expansion highlights6 records

Emerging players

• Doma (formerly States Title): Technology-driven title insurance and settlement company using AI/automation to underwrite and close. Adjacent peer highlighting the disruptive digital direction of the title industry — comparable in end-product (title policies, closings) but competing on cost structure and speed.
• Title Connect: The cooperative-format title organization co-founded by Capitol Title's CEO Elliot Liss in 2014. A network of large-scale title agencies sharing resources and technology — comparable as a peer because it represents the same business model aggregated, and includes Capitol Title as a member.

Broad incumbents

• North American Title Insurance Company: National title insurance underwriter with agency operations in numerous states. Comparable product offering (title insurance, escrow, settlement) and similar reliance on independent agents — directly relevant as both a competitor underwriter and a comparable business model.
• First American Title Insurance Company: One of the largest national title insurance underwriters. Capitol Title is a licensed agent of First American, making it a channel partner but also the primary alternative end-state for any title transaction — directly comparable in product set (title insurance + escrow/closing services) and overlapping in customer base (lenders, agents, buyers/sellers).
• Fidelity National Title (FNF): National title insurance underwriter and one of the largest settlement services providers in the U.S. Capitol Title is a licensed agent of Fidelity National Title. Direct overlap in title insurance issuance, escrow, and closing services across residential and commercial transactions.
• Old Republic National Title: Large national title underwriter with agency-direct hybrid model. Comparable to Capitol Title in issuing owner's and lender's policies and providing escrow/settlement services, though at substantially greater scale and geographic reach.
• Stewart Title: Major national title underwriter with significant agency operations. Comparable product offering (title insurance, escrow, closing) and operates through a similar agent-and-direct model. Serves the same residential/commercial real estate customer segments.

Regional players

• WFG National Title: Multi-state title underwriter/agency operating through a distributed model similar to Capitol Title's Title Connect structure. Comparable in offering owner's/lender's title insurance and settlement services, with overlapping agency relationships.

Direct peers

• Closeline Settlements: Co-founding member of Title Connect alongside Capitol Title and Broadview Title, founded by Michael P. Bell, Esq. (Capitol Title's President). Operates an independent title and settlement agency — a direct peer in product, business model, and customer base, and an organizational sibling within the Title Connect cooperative.
• Broadview Title: Co-founding member of Title Connect with Capitol Title and Closeline Settlements. Multi-state title and settlement agency serving lenders, realtors, and consumers — directly comparable in product set, customer mix, and settlement-driven, attorney-involved model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/CapTitle
• Facebookfacebook.com/CapitolTitle
• LinkedInlinkedin.com/company/capitol-title?goback=.fps_capitol+title

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments

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

Frequently asked questions about Capitol Title