Bookkeeping for title companies
Title work runs on per-file economics: premiums, search and exam fees, recording charges and underwriter remittances all attach to individual closings. Operating money must stay clearly separated from settlement flows, and every pass-through needs to land on the right file. Mispar keeps the operating books clean and the per-file picture honest. Plans start at $229/mo.
Best for: Independent title agencies, settlement companies with one or a few offices and owners who need per-file revenue and remittance tracking without spreadsheets at month end.
Matched
Per-file revenue
On schedule
Remittances
Separated
Pass-throughs
Visible
Office costs
Where title company books usually go wrong
- Escrow funds mixed with operating funds.
- Policy income and fees combined.
- Closing costs paid for others recorded as expenses.
How Mispar keeps your title company books clean
Industry-specific accounts and categorization, with the reporting scope agreed before work starts.
Title premiums per file
Record each file's premium against the closing documents, so premium revenue ties to actual closings instead of a monthly lump.
Underwriter remittances
Track the underwriter's share of each premium as it accrues and match each remittance to the invoice, keeping policy reporting on schedule.
Search, exam and recording fees
Keep pass-through charges on their own lines per file, so reimbursed costs never inflate revenue or hide inside expenses.
Settlement-adjacent separation
Maintain a clear wall in the books between operating accounts and any settlement or escrow activity, with clean reconciliation on the operating side.
Payroll and producer splits
Reconcile payroll and any per-file producer compensation against the agreed structure, with the file detail kept alongside.
Office and licensing costs
Track rent, E and O insurance, licensing and software on their own lines so fixed costs are visible against per-file revenue.
Reports a title company can use
- Escrow balances by file.
- Revenue by policy and fee type.
- Operating cash apart from escrow.
A simple, predictable process
From kickoff to your first clean close, here is exactly what happens.
Review your current records
We start from closing files, underwriter statements, payroll reports and bank feeds you already have.
Map the chart of accounts
Premium income, pass-through fees and remittance obligations are mapped to an agreed chart of accounts.
Reconcile files and remittances
Each month's closings are matched to premiums received, and underwriter remittances are reconciled to their invoices.
Close the month
Monthly statements with an exceptions list and the per-file or per-office reporting agreed for your company.
Illustrative example
An agency closes a mix of refinances and purchases in one month. Premiums, recording fees and underwriter shares are recorded per file, so the remittance matches the underwriter statement and the owner sees what each closing actually contributed after pass-throughs. This is an illustration of the method, not a customer case or a guarantee.
Title Companies bookkeeping — your questions
How do you keep operating money separate from settlement funds?
The operating books are kept strictly apart from any escrow or settlement accounts, with their own reconciliation. What we manage is your company's operating activity: revenue, costs and remittances, recorded cleanly.
Can you match premiums to individual closings?
Yes. Each file's premium and pass-through charges are recorded against its closing documents, which is what makes underwriter remittances and per-file profitability reviewable.
How are underwriter remittances tracked?
The underwriter's share accrues as premiums are recorded, and each remittance is matched to the underwriter's invoice or statement. Differences get flagged instead of carried silently.
What about recording fees and other pass-throughs?
They are kept on distinct lines per file, so reimbursed amounts do not inflate revenue and unrecovered amounts are visible.
Do you keep escrow separate?
Yes. Escrow is tracked apart from company funds, following your accountant's guidance.
Does the $229 starting plan cover my title company?
The final plan and scope depend on closing volume, offices and accounts. We agree that scope before starting; catch-up work is discussed separately.
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