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Financial stability can be independent of size. Small, well-managed Title underwriters are more financially stable than larger, highly leveraged underwriters.


Demotech, Inc. is the first company to review the financial stability of the Title insurance industry and publish independent financial opinions. Since 1992, Demotech has continued to analyze the financial stability of the Title insurance industry and has assigned Financial Stability Ratings® to virtually all Title underwriters, largest to smallest.


Financial Stability Ratings® of A'', A', A and S are accepted by the major participants in the secondary mortgage marketplace which in turn facilitates the acceptance of Title underwriters rated S or better.


Demotech reviews and assigns Financial Stability Ratings® to established Title underwriters as well as start-up underwriters. The review of start-up underwriters or underwriters that have less than five years of representative historical operating history requires additional information be submitted for assignment of a Financial Stability Rating®.


Process for established Title underwriters to be assigned a Financial Stability Rating®


Process for start-up Title underwriters to be assigned a Financial Stability Rating®