What Lighthouse Title does

Lighthouse Title is a privately held, boutique residential real estate title and settlement services company founded in 2020 in St. Mary's County, Maryland, by attorney David Stamm. It operates four offices across Southern Maryland (California, Huntingtown, Prince Frederick) and Washington, DC (Navy Yard), serving home buyers, sellers, real estate agents and brokers, and mortgage lenders in Maryland, the District of Columbia, and Virginia. Its core offerings encompass title search, title insurance issuance (issued as an agent of First American Title Insurance Company), and full settlement/closing services for purchase, sale, refinance, and For Sale By Owner (FSBO) transactions, with related legal services — contract drafting and process review — channeled through the affiliated Stamm Law Firm, LLC.

The company's technology stack is built on industry-standard cloud-based transaction management with two-factor authentication across all systems, a secure client portal for NPI exchange, and two notable integrations: Earnnest, the largest digital earnest money deposit service in the U.S., enabling fully digital ACH-based EMD transfers with real-time notifications and banking-level encryption (an $18 per-transaction platform fee is passed to the user); and Qualia, which powers online quote requests. Pricing is quote-based and not publicly disclosed across the title and settlement lines, reflecting a traditional relationship-driven, B2B2C sales motion rather than a digital PLG model.

Commercially, Lighthouse Title relies on a sales-led, referral-driven go-to-market anchored by real estate agent, broker, and lender partnerships in its three operating jurisdictions, supplemented by community presence in Southern Maryland. The firm markets itself on accessibility (multi-channel communication including phone, text, email, secure portal, and in-person), security (cloud + 2FA), and a culture of client care — positioning as a relationship-driven alternative to larger national title agencies. No external funding, M&A, or institutional ownership has been disclosed; the company remains tightly held by its founder and operates with a core team of four licensed title professionals.

Name

Lighthouse Title

Legal name

Lighthouse Title

Website

https://lighthousetitle.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Lighthouse Title is a privately held, boutique residential title and settlement services firm founded in 2020, operating four offices across Maryland and Washington, DC. It serves home buyers, sellers, real estate agents, brokers, and lenders in MD/DC/VA with title insurance, closings, refinance settlement, and FSBO support.

Ownership category

akta.pro rank

Product category

Real Estate Title Services

NAICS

Title Abstract and Settlement Offices (541191)

SIC

Title Insurance (6361)

akta.pro primary industry

Title Insurance (FSAJACAL)

akta.pro secondary industries

Closing & Settlement Services (Settlement Agents) (BPAJAOAE), Title Search & Examination (BPAJAOAB), Document Preparation & Recording Services (Deeds, Liens) (BPAJAOAG)

Keywords

• Title insurance services
• Real estate closing
• Settlement services
• Title search
• Real estate title

Headquarters

HQ city

California

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Title Insurance: Issuance of title insurance policies through agency relationship with First American Title Insurance Company. One-time premiums at closing protecting buyers and lenders against title defects.
2. Settlement/Closing Services: Handling real estate settlements including title search, exchange of funds, preparation and recording of settlement documents for purchase, sale, and refinance transactions.
3. Legal Services: Related legal services through affiliated Stamm Law Firm, LLC including contract drafting and real estate process review for FSBO transactions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Lighthouse Title is a relationship-driven title and settlement services company that performs title searches, issues title insurance policies as an agent of First American Title Insurance Company, and handles closing settlements for residential real estate purchase, sale, refinance, and For Sale By Owner (FSBO) transactions across Maryland, Washington D.C., and Virginia. The company prepares and records settlement documents, exchanges funds (including digital earnest money deposits via the Earnnest platform), and provides related legal services through the affiliated Stamm Law Firm, LLC.

Product overview

Lighthouse Title is a relationship-driven real estate title and settlement services company operating as a unified offering in Maryland, Washington D.C., and Virginia. The core product portfolio centers on real estate settlement services encompassing purchase and sales transactions, refinance transactions, and For Sale By Owner (FSBO) services, all underpinned by title insurance offerings through First American Title Insurance Company. An integrated EMD Portal powered by Earnnest enables fully digital earnest money deposits. The company also offers related legal services through the affiliated Stamm Law Firm, LLC for contract drafting and real estate process support.

Differentiator

Problem solved

Functional benefit

Products and services

• Purchase & Sales Transactions Real estate settlement services for residential buyers or sellers, including title search, title insurance, exchange of funds, and preparation and recording of settlement documents.
• Refinance Transactions Settlement agent services for mortgage refinance transactions, working with mortgage lenders in a streamlined manner with emphasis on data security and efficiency.
• For Sale By Owner (FSBO) Services Direct services for buyers and sellers in transactions without a real estate broker, including real estate process review, education, contract drafting, and settlement assistance through the affiliated Stamm Law Firm, LLC.
• Title Insurance Title search and title insurance issuance services through agency relationship with First American Title Insurance Company, protecting buyers and lenders against title defects.
• Earnest Money Deposit (EMD) Portal Digital platform powered by Earnnest enabling fully digital transfer of earnest money deposits via ACH payments with real-time notifications, automatic receipts, and banking-level security and encryption, mitigating wire fraud risk for Maryland, DC, and Virginia transactions.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature2 records

Partnerships

Three partnerships are on record, tiered core.

• First American Title Insurance CompanycoreChannel Partner/ Reseller/ DistributorLighthouse Title is a proud agent of First American Title Insurance Company, one of the leading title insurance providers. This partnership enables them to issue title insurance policies and serve as a trusted settlement agent for real estate transactions.
• EarnnestcoreTechnology or IntegrationEarnnest is the largest digital earnest money service in the U.S. Lighthouse Title uses Earnnest's innovative technology platform to provide clients with fully digital transfer of funds through ACH payments. The platform offers real-time notifications, automatic receipts, and banking-level security to mitigate wire fraud risk.
• Stamm Law Firm, LLCcoreStrategic or Co-development PartnerAffiliated law firm led by David Stamm, Principal & Founder of Lighthouse Title. The firm provides legal services including contract drafting and real estate process review, particularly for FSBO transactions, complementing the title and settlement services.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• PropLogix: Tech-enabled title search and examination services provider serving title agents and underwriters nationwide. Overlaps with Lighthouse Title's title search function and competes for outsourced search and exam work.
• WFG National Title Insurance Company: National title underwriter built on a distributed model of independent title agents, competing directly with First American, Stewart, and Old Republic for agent relationships. Overlaps with Lighthouse Title's market positioning as an agent-driven title provider.
• Snapdocs: Digital mortgage closing platform providing e-closing, notary, and closing workflow technology to lenders and title agents. Competes for the digital closing technology layer that Lighthouse Title addresses through its Earnnest EMD integration and cloud-based portal.
• Doma (formerly States Title): Technology-forward title and escrow provider using AI-driven title processing to reduce closing times and costs. Competes with boutique agencies like Lighthouse Title for lender and real estate agent partnerships, particularly on speed and digital experience.

Broad incumbents

• Stewart Title Guaranty Company: National title insurance underwriter with significant Mid-Atlantic presence, issuing title insurance through direct operations and a large independent agent network that competes head-to-head with Lighthouse Title for agent referrals in Maryland, DC, and Virginia.
• First American Title Insurance Company: National title insurance underwriter and the agency partner Lighthouse Title issues policies through. Operates one of the largest title agency networks in the U.S. and offers competing direct and agency title and escrow services across all 50 states.
• Fidelity National Title: One of the largest national title insurance underwriters (FNF), operating direct and agency title and escrow operations across the U.S. Direct competitor in the MD/DC/VA market as both an underwriter and through its agency network.
• Old Republic Title: National title insurance underwriter with a large agency network. Competes with Lighthouse Title through its agency operations across the MD/DC/VA region for the same lender and real estate agent referral relationships.

Others

• Qualia: Cloud-based closing platform used by title agencies and settlement companies, and a current technology partner of Lighthouse Title for online quote intake. Operates adjacent infrastructure that enables competing agencies to deliver similar digital experiences.

Direct peers

• Investors Title Company: Mid-sized title insurance underwriter and agency operator providing title and escrow services, with comparable boutique-style positioning relative to national giants. A relevant comparable for Lighthouse Title's business model and competitive positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Lighthouse Title