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Rynoh is a cloud-based software company that provides escrow accounting, reconciliation, and wire fraud prevention tools to title insurance agents, attorneys, and settlement companies in the United States.^[1] Founded in 2007, the company says its platform was developed by a title agent for the title industry, and it has since become one of the largest providers of financial-safeguard software used during real estate closings.^[1][2]

Rynoh was founded in 2007 as a Virginia-based company offering automated escrow reconciliation software to title and settlement agents.^[1][3] In May 2021, the company was acquired by Porch Group, a Seattle-based software and insurance company listed on Nasdaq under the ticker PRCH, which expanded its reach into the title insurance industry through the purchase.^[3] Following the acquisition, Rynoh continued to operate under its own brand while adding new modules to its software suite. In June 2022, the company launched RynohEscheat, a module intended to help title companies track and report unclaimed funds in line with state escheatment laws.^[3] In January 2024, Porch Group announced the release of RynohVerifi, a product designed to confirm payee account ownership and flag irregularities that could indicate business email compromise or impersonation schemes before a wire transfer is sent.^[4] According to Porch Group, roughly 40 percent of United States residential home purchases and refinances used Rynoh software as of 2024, up from about 30 percent in 2021.^[4]

Rynoh's core offering is an escrow account auditing and reconciliation platform that connects to a title or escrow company's accounting software and bank accounts to monitor the movement of client funds.^[5] The platform performs continuous account auditing, daily reconciliation, and transaction monitoring, and it generates automated compliance and forensic reports intended to help firms detect discrepancies or potential fraud.^[2][5] Additional modules include:

• RynohRecon, which is described as streamlining disbursement workflows and strengthening fraud protection during the closing process.^[5]
• RynohVerifi, an account-verification tool that checks payee banking details before a wire is sent, intended to catch fraudulent account substitutions.^[4][6]
• RynohEscheat, which helps title agents identify unclaimed escrow funds and manage state escheatment reporting requirements.^[3]

The company markets its software to settlement agents, attorneys, and title insurance underwriters, positioning the underwriter-facing tools as a way for insurers to monitor trust accounts held by their network of agents.^[5] Rynoh states that the funds monitored through its platform total more than $35 trillion in disbursements.^[7]

Rynoh operates as a business unit of Porch Group, Inc., a publicly traded vertical software and insurance company headquartered in Seattle, Washington, that serves companies across the home-services industry, including inspectors, movers, warranty providers, and title companies.^[4] Porch Group has continued to expand Rynoh's product line since the acquisition as part of its broader strategy of offering software to companies involved in home purchases and closings.^[4]

• Title insurance
• Escrow
• Wire transfer
• Porch Group