The U.S. title insurance industry is looking stable for 2015 according to a recent report from Fitch Ratings.? The report findings are based on a risk-adjusted loom originated from the risk-adjusted capital (RAC) model and a non-risk adjusted outlook such as net written premiums-to-surplus.

The data amassed for the report is based on the past year?s continued economic solidity and capital level expansion.? Earnings remain stable due to the development of troubled policy between the years 2005 and 2008 and the potential rise in purchase originations. ?However, the drawback is that the sustainability of economic recovery and impending increased interest rates remain uncertain.

During the first nine months of 2014, title insurance revenue fell 11%, which was motivated by lower order volume from reduced refinancing activity. Third-Quarter 2014 also witnessed a 2 % decline seen by title underwriters in open title policy orders.? A similar turndown is expected in the title industry for the first quarter 2015.

The first nine months of 2014 also saw a 3.7% decrease in consolidated GAAP operating profit margins versus 7.7% in 2013.? Predictions for 2015 operating margins expect to improve slightly.

As a whole, Fitch predicts that the title industry will continue to capitalize but with variation amongst title companies.

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