Doma

Machine intelligence for residential title insurance and mortgage closing

Underwriting & Risk Enterprise Acquired

Overview

Doma is an AI-first title insurance and mortgage closing technology platform serving lenders, mortgage brokers, and technology providers in the residential real estate market. Founded in 2016 as States Title and later rebranded, the company applies machine intelligence and algorithmic processing to automate the underwriting, escrow, and closing functions traditionally performed through manual review.

The platform delivers instantaneous title insurance underwriting by replacing document-heavy manual workflows with cloud-based machine learning pipelines. Core capabilities include automated title policy issuance, escrow processing, closing document generation, and digital signature and recording management. The technology is exposed through a REST API, enabling integration with lender systems and mortgage origination platforms.

Doma grew to serve over 100 financial institutions and mortgage platforms before being acquired by Title Resources Group (TRG) in September 2024 for approximately USD 88M, creating one of the five largest independent title insurance underwriters in the US. Following the acquisition, Doma Technology LLC operates on a separately capitalized basis. In March 2026, Opendoor acquired Doma's closing and escrow operations to support iBuyer refinance offerings.

Products & Services

Upfront Title

An AI-driven title insurance product that delivers instantaneously underwritten policies through algorithmic analysis, eliminating the manual search-and-review process traditional to title underwriting.

Key Features

Algorithmic title policy issuance without manual document review
Integrated into the lender workflow via API
Supported by Fannie Mae pilot program for reduced-cost refinance title coverage

Target Users: Mortgage lenders and refinance origination platforms

Title and Closing Services

End-to-end closing platform that handles title insurance, escrow management, document generation, and recording in a single automated workflow.

Key Features

Automated escrow processing and fund management
Closing document preparation and e-signature coordination
Recording management integrated with county systems

Target Users: Lenders, mortgage brokers, iBuyer platforms

Technology Platform (API)

An API-first integration layer enabling third-party mortgage technology providers to embed title and closing services directly into their own platforms.

Key Features

REST API for title policy ordering and status tracking
Partner integration with mortgage origination systems
White-label closing workflow for platform partners

Target Users: Mortgage technology companies and lender aggregators

At a Glance

Founded: 2016
Headquarters: San Francisco, CA, USA
Employees: 1000+
Funding: Acquired

Category & Focus

Category: Underwriting & Risk
Subcategories: Title Insurance Underwriting Mortgage Closing Automation Algorithmic Underwriting
Insurance Verticals: Title
Target Customers: Carriers, Brokers, MGAs/MGUs