Is your state a "chop and block" state? This means as long as the remittance amount is correct, the remaining portion can be lowered. Take Florida for instance. It's a chop and block state. Florida regulates the premiums and sets the remiittance. 100% of all agents remit 30%. The rest can be negotiated with the client. As long as that 30% remittance goes to your underwriter, the rest can be open for competition. 

Or: They messed up and used the incorrect premium amount. Suckers!!! 
Or: More importantly, they are investing in a sham corporation where they make an agreement with a large client. The agent receives title premiums for other states at full value while providing discounts (illegal) in other states. Fidelity and First American were caught and settled. I read the settlement from both companies. Look at the HUDs for other "unusual" fees such as "examination of title" which always inflates and hides the real total amount an agent makes. Look for the lawyer's fees as that lawyer could hold an interest in the title company.

 

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