Arizona Escrow & Financial Corporation

What Arizona Escrow & Financial Corporation does

Arizona Escrow & Financial Corporation (AEF) is a privately held independent escrow company founded in 1976 in Phoenix, Arizona, and self-described as the largest independent escrow firm in the state. AEF provides neutral third-party escrow, holding and disbursement, and account-servicing services for business sales and commercial real estate transactions, with additional specialty lines covering personal property escrows, source code and digital-asset escrows, SBA loan closings, attorney/litigation escrows, and post-close commercial loan servicing.

The firm operates through a team of ~5 escrow officers supported by a President, CEO, Account Servicing Manager, and administrative staff, leveraging 100+ years of combined escrow experience and a transaction-fee pricing schedule (e.g., $1,000-$1,700 per business/personal-property escrow up to $500K with $3/$1K above that, plus real-property and account-servicing fee tiers). Technology is built on a third-party account-servicing platform (The Mortgage Office) providing 24/7 borrower and lender portals, supplemented by electronic document signing, remote transaction capability, and third-party mobile notary coordination. AEF Secure Insight Registered Agent certification and a BBB A+ rating support lender and broker counterparty confidence.

The company's GTM is relationship-driven and referral-led, supported by a podcast ('Practical and Positive Leadership'), industry-event sponsorships, and named partnerships with title insurance providers and The Mortgage Office. Customer segments span SBA/commercial lenders, attorneys, business brokers, commercial real estate professionals, government/tribal entities, and digital-asset owners, with deal flow concentrated in Arizona but serviced statewide, nationally, and internationally via remote closing capability. Ownership is 100% consolidated under CEO Monica May-Dunn, who completed full stock acquisition in 2023.

Name

Arizona Escrow & Financial Corporation

Legal name

Arizona Escrow & Financial Corporation

Website

https://arizonaescrow.com

Company type

Private

Founded year

1976

Operating status

Operating

Headcount range

1–10 employees

Short description

Arizona Escrow & Financial Corporation is Arizona's largest independent escrow firm, providing third-party escrow, holding, disbursement, and account-servicing services for business sales, commercial real estate, SBA loans, attorneys, and digital-asset transactions across Arizona and beyond.

Ownership category

akta.pro rank

Product category

Escrow Services

NAICS

Trust, Fiduciary, and Custody Activities (523991), Trusts, Estates, and Agency Accounts (52592)

SIC

Mortgage Bankers & Loan Correspondents (6162), Finance Services (6199)

akta.pro primary industry

Escrow Services (BPAJAOAD)

akta.pro secondary industries

Escrow & Fiduciary Escrow Services (FSAAANAH), Escrow, Trust & Legal Settlement Disbursements (FSAMAKAO)

Keywords

• Business sales escrow
• Commercial real estate escrow
• M and A escrow
• Personal property escrow
• Account servicing

Headquarters

HQ city

Phoenix

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Business & Personal Property Escrow Fees: Transaction-based fees for business sales, personal property sales, and commercial escrow services. Fees range from $1,000 to $1,700 based on transaction value up to $500,000, with additional charges of $3.00 per $1,000 for amounts over $500,000.
2. Real Property Escrow Fees: Escrow fees for commercial real estate transactions including 1031 exchanges. Rates range from $800 to $1,250 based on property value, plus $3.00 per $1,000 over $500,000.
3. Account Servicing: Ongoing third-party account servicing management for commercial loan payments, disbursements, and reporting over the life of financial agreements.
4. UCC Lien and Judgment Searches: Search services including tax lien, judgment, and UCC1 searches at Secretary of State and County levels. $50 per name searched.
5. Loan Signing Services: Loan signing only services for $800 or loan signing with escrow for $500.
6. Annual Holding Fees: $500 annual holding fee for escrows not closed within one year.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Arizona Escrow & Financial Corporation is an independent escrow firm that acts as a neutral third-party fiduciary, holding funds, documents, and assets and releasing them according to contract terms. Its services cover business sales and M&A transactions, commercial real estate purchases and 1031 exchanges, personal property transfers, attorney settlement and holding/disbursement accounts, SBA and commercial lending closings, source code escrow, internet sales and digital asset exchanges, and ongoing third-party commercial loan account servicing.

Product overview

Arizona Escrow & Financial Corporation is Arizona's largest independent escrow company, offering a suite of specialized escrow and financial services centered on business sales, commercial real estate transactions, and personal property escrow. The core offering consists of eight primary service lines: Business Sales, Acquisitions & Mergers Escrow; Commercial Real Estate Escrow; Account Servicing; Attorney Escrow Services; Combination Business Asset Sales & Real Property Transactions; Holding & Disbursement Escrow; Internet Sales & Exchanges (including Source Code Escrow); and Personal Property Sales Escrow. Supplementary services include title insurance coordination, IPO escrow accounts, construction draw escrows, UCC lien searches, and stock/membership interest transfers. The company also offers borrower and lender account servicing portals powered by TheMortgageOffice.com, and operates the 'Practical and Positive Leadership' podcast as a brand extension for thought leadership.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Sales, Acquisitions & Mergers Escrow

Quantifiable outcome

• Over 100 years of combined escrow expertise on staff
• +2 more outcomes

Named customers6 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

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Title Insurance ProviderscoreOthersCollaborates with trusted title insurance providers for coordinated title searches and insurance issuance in commercial real estate transactions. Facilitates seamless closing services through this partnership.
• The Mortgage OfficecoreTechnology or IntegrationProvides the technology platform for AEF's account servicing portals. Borrower's portal and Lender's portal are powered by The Mortgage Office for 24/7 account access, payment tracking, and document management.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Escrow.com: Online escrow service specializing in internet sales, domain transfers, and digital asset transactions. Directly comparable to AEF's Internet Sales & Exchanges and Source Code Escrow service lines on the digital/intellectual property escrow category.
• National Western Financial: Independent escrow company providing commercial and business sale escrow services, including SBA loan support. Most directly comparable independent specialist to AEF in business sale and commercial property escrows outside the largest national title insurers.

Others

• Iron Mountain Incorporated: Records management and data protection company offering source code escrow services through its Intellectual Property Management division. Comparable to AEF's Source Code Escrow product line as a third-party neutral deposit and release agent for software assets.

Broad incumbents

• First American Financial Corporation: National title insurance and settlement services giant offering commercial escrow services at scale. Directly comparable on the commercial real estate escrow line where AEF competes, though First American operates as a broad incumbent across all title/escrow segments rather than specializing in business sales.
• Fidelity National Financial: Largest U.S. title insurance company providing escrow and closing services across commercial and residential transactions. Competes with AEF on commercial real estate and high-value escrows as part of a diversified national portfolio.
• Chicago Title Insurance Company: Major U.S. title insurer and escrow provider offering commercial real estate closing services. Comparable to AEF's CRE escrow line, though positioned as a broad incumbent within the Fidelity National family.
• Old Republic International Corporation: Diversified title insurance and financial services holding company offering commercial escrow services. Competes with AEF on commercial real estate escrows through its title subsidiaries as part of a broader insurance and risk management portfolio.
• Stewart Information Services Corporation: Title insurance and escrow services company with significant commercial real estate transaction capability. Comparable to AEF in commercial escrow execution, but operates at national scale across multiple product lines.

Regional players

• Equity National Title: Regional title and escrow firm operating outside Arizona but offering comparable commercial escrow services. Relevant peer as an independent regional escrow specialist with similar business mix to AEF's CRE and business sale focus.

Emerging players

• Prager Metis CPAs: Accounting and advisory firm with M&A advisory and business transaction services that frequently coordinate with escrow agents on business sales. Adjacent rather than direct competitor, but a relevant referral and partnership peer for AEF's business sale escrow line.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@ArizonaEscrowFinancial/videos
• Facebookfacebook.com/arizonaescrow
• LinkedInlinkedin.com/company/arizona-escrow-financial-corporation
• Instagraminstagram.com/arizona_escrow

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Arizona Escrow & Financial Corporation