Oxford Title Agency
Oxford Title Agency is a privately held Cincinnati-based title insurance and real estate closing firm serving Hamilton, Clermont, Butler, and Warren counties in Ohio since 1995. It issues Owner's and Loan title policies and conducts closings for cash buyers, lenders, and brokers on a regulated fee schedule.
- Company typePrivate
- Founded1995
- HeadquartersCincinnati, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Oxford Title Agency does
Oxford Title Agency, Inc. is a privately held title insurance and real estate settlement company founded in 1995 and headquartered in Cincinnati, Ohio. The firm serves four contiguous Ohio counties — Hamilton, Clermont, Butler, and Warren — providing Owner's Policy and Loan Policy title insurance, settlement and closing services, endorsements, closing protection coverage, and ancillary fees such as wire and conveyance processing. Pricing is regulated by the Ohio Department of Insurance and follows a unit-pricing schedule based on property value, with separately published buyer/seller settlement fees (Buyer Settlement Fee $450, Seller Settlement Fee $200, plus wire and signing fees).
The business model is entirely service- and transaction-based. The company has no proprietary technology platform; customer acquisition and order intake occur through an online title order form, email ([email protected]), fax, and direct agent contact. Closings are conducted in person with dedicated agents, supported by lightweight digital tools (a Net Proceeds Calculator and an embedded Old Republic Title rate calculator). Customers include cash buyers, lenders, and real estate brokers, with publicly named lender partners including Rocket Mortgage, Guaranteed Rate, 5th/3rd Bank, First Community Mortgage, and Third Federal Savings and Loan. The firm's explicit positioning is personalized, agent-mediated service as a counter to automated, menu-driven national title providers.
Leadership is led by President Jay Uhl, a practicing attorney since 1974 (Holy Cross College; University of Cincinnati Law School) who has headed the firm since founding. The operational team is small — five named personnel (President, Managing Member Stacey McIntyre, Closing Coordinator Chase Johnston, Closing Agent Greg Tudor, Administrative Assistant Sandra Lutes) — within a stated total headcount band of 11-50 employees. The firm has no disclosed funding, parent company, subsidiaries, M&A activity, or public-market listing.
Oxford Title Agency firmographics
Firmographics- Name
- Oxford Title Agency
- Legal name
- Oxford Title Agency, Inc.
- Website
- https://oxfordtitle.com
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Oxford Title Agency is a privately held Cincinnati-based title insurance and real estate closing firm serving Hamilton, Clermont, Butler, and Warren counties in Ohio since 1995. It issues Owner's and Loan title policies and conducts closings for cash buyers, lenders, and brokers on a regulated fee schedule.
- Ownership category
- akta.pro rank
Oxford Title Agency industry classification
Industry- Product category
- Title Insurance and Real Estate Closing Services
- NAICS
- Title Abstract and Settlement Offices (541191), Insurance Agencies and Brokerages (52421)
- SIC
- Title Insurance (6361), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Title Insurance (FSAJACAL)
- akta.pro secondary industries
- Closing & Settlement Services (Settlement Agents) (BPAJAOAE), Title Search & Examination (BPAJAOAB)
Keywords
Where Oxford Title Agency is headquartered
LocationHeadquarters
- HQ city
- Cincinnati
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Oxford Title Agency business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Title Insurance Premiums: Title insurance premiums are governed by the Ohio Department of Insurance and are based upon the purchase price of the property. Fees include Owner's Policy and Loan Policy insurance calculated on a per-thousand basis with tiered rates.
- Settlement and Closing Fees: Fees charged for closing services including Buyer Settlement Fee ($450), Seller Settlement Fee ($200), Contract Closing Fee ($175), and FinCEN Reporting Fee ($175).
- Endorsement and Additional Services: Fees for title policy endorsements (EPL, ARM, PUD/Condo, Survey, Comprehensive), closing protection coverage, express mail, and survey services.
- Wire and Signing Fees: Wire transfer fees ($20 per transaction) and separate signing fee/RON fee ($125) for power of attorney signings.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | One time/ perpetual license | Owner's Policy: Up to $250,000 liability at $5.80 per thousand |
| Unit Pricing | One time/ perpetual license | Loan Policy: Up to $250,000 liability at $4.00 per thousand |
| Transaction based/ take rate | One time/ perpetual license | Settlement and Administrative Fees |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
Oxford Title Agency product offering
Product offeringCore offering
Oxford Title Agency provides title insurance and real estate closing services for residential and commercial property transactions in four Ohio counties (Hamilton, Clermont, Butler, and Warren). Core deliverables include Owner's Policy and Loan Policy title insurance, settlement and closing services, title endorsements, and closing protection coverage, with rates set by the Ohio Department of Insurance. Each closing is handled by a dedicated title agent with no automated phone routing.
Product overview
Oxford Title Agency is a traditional title insurance and real estate settlement company offering a portfolio of title insurance products and closing services. The core offerings consist of Owner's Policy Insurance and Loan Policy Insurance for residential and commercial real estate transactions, supported by title ordering and search services. Additional services include a Net Proceeds Calculator for sellers, various endorsement options (EPL, ARM, PUD/Condo, Survey, Comprehensive), Closing Protection Coverage for all parties, and conveyance fee processing. The company serves Hamilton, Clermont, Butler, and Warren counties in Ohio and operates with a focus on personalized customer service rather than automated processes.
Differentiator
Problem solved
Functional benefit
Products and services
- Owner's Policy Title Insurance
Companies that use Oxford Title Agency
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
Oxford Title Agency technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Oxford Title Agency partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- Guaranteed RatecoreGuaranteed Rate is a national mortgage lender that works with Oxford Title Agency for title insurance and closing services on mortgage transactions originated through their platform.
- First Community MortgagecoreFirst Community Mortgage collaborates with Oxford Title Agency to provide title insurance and closing services for their mortgage lending customers.
- Rocket MortgagecoreRocket Mortgage, a major online mortgage lender, partners with Oxford Title Agency for title insurance and closing services on their real estate transactions.
- 5th/3rd Bankcore5th/3rd Bank, a regional bank, works with Oxford Title Agency for title insurance and closing services on their mortgage products.
- Third Federal Savings and LoancoreThird Federal Savings and Loan, a savings bank, partners with Oxford Title Agency for title insurance and closing services on their lending transactions.
Scale indicators2 records
Recent moves5 records
Expansion highlights3 records
Oxford Title Agency competitors and assessment
Company assessmentBroad incumbents
- Fidelity National Title (FNF): FNF is the largest title insurance underwriter in the United States, owning brands such as Chicago Title, Commonwealth Land Title, and Alamo Title. It competes against Oxford Title for Ohio lender and broker business through both direct operations and agency relationships.
- Chicago Title (FNF family): Chicago Title is a national title brand operating direct retail offices and agency relationships across the U.S., including Ohio. It competes with Oxford Title for both residential and commercial closing business through lender-referral pipelines.
- First American Title Insurance Company: One of the largest national title insurance underwriters in the United States, issuing both owner's and loan policies and operating through a network of direct operations and agents. While Oxford Title is an independent agent of Old Republic, First American represents the same broad competitive set in the Ohio market and competes for the same lender relationships.
- Stewart Title: Stewart Title is a national title insurance underwriter operating through direct offices, agency operations, and centralizing services. It is a direct competitive peer for Ohio residential and commercial title business through both retail and agency channels.
- Old Republic Title: Oxford Title Agency operates as an independent agent for Old Republic Title (per the embedded rate calculator URL). Old Republic is a major national title underwriter that both enables Oxford's product issuance and competes for direct closing business in overlapping Ohio geographies.
Emerging players
- Qualia: Qualia is a title-technology platform providing digital closing software and order-management infrastructure to title agents and underwriters. It is not a direct competitor to Oxford's closing service but is the type of platform that could disintermediate traditional agencies by enabling lenders to streamline or bypass Oxford's service layer.
Direct peers
- Title Resources Guaranty Company: Title Resources is a title insurance underwriter focused on independent agents, competing for the same agent-recruitment and lender-referral business as Oxford Title. Its agent-driven model and product set (owner's, loan, endorsements) are directly comparable.
- WFG National Title Insurance Company: WFG is a national title underwriter built primarily around an independent-agent distribution model that closely mirrors Oxford Title's structure. It competes for the same Ohio lender relationships and agent-recruitment pool, making it a structurally comparable peer.
- North American Title: North American Title (now operating under the ATG and Doma brand family) is a title insurance underwriter that historically relied on an independent-agent model similar to Oxford Title. It is comparable in both product offering (owner's and loan policies) and target market (independent agents serving regional real estate).
- Attorneys Title Agency (Ohio-focused): Attorneys Title is an Ohio-based title agency group that competes directly with Oxford Title in the Greater Cincinnati / southwest Ohio market. It offers the same core products (owner's and loan policies, closings) to the same lender and broker network.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights5 records
Customer concentration
Oxford Title Agency social profiles
Digital presenceOxford Title Agency financial estimates
Financial estimateRevenue estimate
Valuation estimate
Oxford Title Agency leadership team
Management profileNumber of profiles
Profiles5 records
Oxford Title Agency funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Oxford Title Agency M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Oxford Title Agency
What does Oxford Title Agency do?
Oxford Title Agency provides title insurance and real estate closing services for residential and commercial property transactions in four Ohio counties (Hamilton, Clermont, Butler, and Warren). Core deliverables include Owner's Policy and Loan Policy title insurance, settlement and closing services, title endorsements, and closing protection coverage, with rates set by the Ohio Department of Insurance. Each closing is handled by a dedicated title agent with no automated phone routing.
Is Oxford Title Agency a public or private company?
Oxford Title Agency is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Oxford Title Agency founded?
Oxford Title Agency was founded in 1995. It employs 11 to 50 people.
Where is Oxford Title Agency based?
Oxford Title Agency is headquartered in Cincinnati, United States, in the North America region.
How does Oxford Title Agency make money?
Four revenue lines are on record. Title Insurance Premiums are the primary driver. The others are settlement and Closing Fees, endorsement and Additional Services and wire and Signing Fees.
Who are Oxford Title Agency's main competitors?
Broad incumbents on record are Fidelity National Title (FNF), Chicago Title (FNF family), First American Title Insurance Company, Stewart Title and Old Republic Title. Qualia is listed as an emerging player. Direct peers are Title Resources Guaranty Company, WFG National Title Insurance Company, North American Title and Attorneys Title Agency (Ohio-focused).
Does Oxford Title Agency have an API?
No public API is recorded for Oxford Title Agency.
What industry is Oxford Title Agency in?
Oxford Title Agency's product category is Title Insurance and Real Estate Closing Services. Its primary akta.pro industry code is FSAJACAL, Title Insurance, with a secondary code of BPAJAOAE, Closing & Settlement Services (Settlement Agents). Its NAICS code is 541191 and its SIC code is 6361.