TitleSmart
TitleSmart, Inc. is a privately held Minnesota-based title insurance and escrow agency that issues title policies and provides closing, escrow, and Remote Online Notarization services to home buyers, sellers, real estate agents, and lenders across eight offices in the Twin Cities and Wisconsin.
- Company typePrivate
- Founded2007
- HeadquartersWhite Bear Lake, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What TitleSmart does
TitleSmart, Inc. is a privately held, full-service title insurance and escrow agency founded in 2007 in Maplewood, Minnesota by Cindy Koebele and Angela Shackle, and now headquartered in White Bear Lake, MN. The company issues owner's and lender's title insurance policies and provides escrow, document preparation, notarization, and end-to-end real estate closing services to residential and commercial property buyers and sellers, as well as to real estate agents and mortgage lenders who refer clients. Operating technology is built primarily on SoftPro real estate closing software, augmented by in-house tools including the TitleSmart Title Tracker, the Title Insurance Rate Calculator, a Sellers Net Sheet Calculator, and Remote Online Notarization (RON) capabilities; the company is a certified Women's Business Enterprise.
TitleSmart earns revenue primarily through transaction-based fees on real estate closings: closing fees of $495-$600 per transaction, document preparation fees of $200-$500, plus one-time title insurance premiums based on property value, and ancillary charges (state deed tax, courier/payoff processing at $50 per payoff, etc.). Distribution is multi-channel: customers engage directly through eight physical branch offices spanning the Twin Cities metro area (White Bear Lake, Apple Valley, Blaine, Edina, Forest Lake, Maple Grove, Woodbury) plus New Richmond, WI and Faribault, MN; through a website-based self-service ordering portal; and through referral relationships with real estate agents and lenders. The company projects ~5,500 closings annually as of 2014 and has appeared on the Inc. 5000 list eight times between 2014 and 2022, with three-year revenue growth rates of 99%-133% in those placements.
The company remains entirely founder-owned with no disclosed institutional investment, and is led by CEO Cindy Koebele (EY Entrepreneur of the Year 2015). Growth has historically been organic branch expansion, supplemented by the September 2018 launch of a Commercial Real Estate Closing Division and the January 2024 acquisition of Executive Title. Multiple Best Places to Work and Top Workplaces recognitions (2015-2025) underscore the company's emphasis on workplace culture as a retention and customer-experience lever.
TitleSmart firmographics
Firmographics- Name
- TitleSmart
- Legal name
- TitleSmart, Inc.
- Website
- https://title-smart.com
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- TitleSmart, Inc. is a privately held Minnesota-based title insurance and escrow agency that issues title policies and provides closing, escrow, and Remote Online Notarization services to home buyers, sellers, real estate agents, and lenders across eight offices in the Twin Cities and Wisconsin.
- Ownership category
- akta.pro rank
TitleSmart industry classification
Industry- Product category
- Title Insurance & Real Estate Closing Services
- NAICS
- Direct Title Insurance Carriers (524127), Title Abstract and Settlement Offices (541191)
- SIC
- Title Insurance (6361)
- akta.pro primary industry
- Title Insurance & Underwriting (BPAJAOAA)
- akta.pro secondary industries
- Title Search & Examination (BPAJAOAB), Abstracting Services (Title Abstracts) (BPAJAOAC), Document Preparation & Recording Services (Deeds, Liens) (BPAJAOAG), Notary & Signing Agent Services (Remote/Onsite) (BPAJAOAF)
Keywords
Where TitleSmart is headquartered
LocationHeadquarters
- HQ city
- White Bear Lake
- HQ country
- United States
- HQ region
- North America
Offices8 records
Markets served
TitleSmart business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Title Insurance Policies: TitleSmart issues owner's title insurance policies and lender's mortgagee policies to protect against title defects. The original premium is a one-time cost as long as the owner or their heirs retain an interest in the property.
- Escrow and Closing Services: Full-service escrow and real estate closing solutions including document preparation, notarization, fund disbursement, and transaction coordination.
- Document Preparation and Related Fees: Fees for document preparation, state deed tax, recording charges, notary services, and courier/payoff processing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Closing Fee |
| Transaction based/ take rate | Pay-as-you-go | Document Preparation Fees |
| One time/ perpetual license | Pay-as-you-go | Title Insurance Premium |
| Transaction based/ take rate | Pay-as-you-go | Additional Closing Costs |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels6 records
TitleSmart product offering
Product offeringCore offering
TitleSmart is a full-service title insurance agency that issues owner's and lender's title insurance policies and provides escrow, real estate closing coordination, document preparation, notarization, and fund disbursement services for residential and commercial property transactions. The company operates eight branch offices across the Twin Cities metro area and Wisconsin, supplemented by digital tools such as title insurance rate calculators, seller net sheet calculators, and Remote Online Notarization (RON).
Product overview
TitleSmart is a full-service title insurance company providing a unified suite of title, escrow, and real estate closing solutions across the Twin Cities metro area. The core offering centers on title insurance policies (Owner's and Lender's), escrow services, and closing coordination, supported by digital tools including the Title Insurance Rate Calculator, Sellers Net Sheet Calculator, and Remote Online Notary (RON) service. The company operates multiple branch offices and offers various resources including closing worksheets, seller's expense worksheets, and reference guides for real estate professionals.
Differentiator
Problem solved
Functional benefit
Products and services
- Title Insurance Title insurance policies that protect property buyers and lenders from title defects, liens, encumbrances, and hidden risks discovered after closing.
- Escrow Services Escrow services that manage the transfer of funds and documents during real estate transactions, ensuring all parties fulfill their obligations before closing.
- Real Estate Closing Services Comprehensive closing services that coordinate and execute real estate transactions, including document preparation, signing coordination, and fund disbursement for residential and commercial properties.
- Title Insurance Rate Calculator Online tool for generating title insurance rates, taxes, and fees in a disclosure-ready format for Minnesota and Wisconsin properties, available via desktop and mobile.
- Remote Online Notary (RON) Virtual notarization service enabling remote document signing through secure online video conference, eliminating the need for in-person notary visits for home buyers and sellers.
- Commercial Real Estate Closing Services Specialized title insurance, closing, and escrow services for commercial real estate transactions, led by an experienced commercial closer/underwriter with expertise in complex commercial transactions.
Quantifiable outcome
- 5,500 closings projected annually (2014)
- +2 more outcomes
Companies that use TitleSmart
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles3 records
TitleSmart technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
TitleSmart partnerships and signals
Strategic signalScale indicators9 records
Recent moves12 records
Expansion highlights6 records
TitleSmart competitors and assessment
Company assessmentBroad incumbents
- Stewart Title: Major national title insurance and real estate services company offering title underwriting, escrow, and closing. Operates in the Twin Cities through direct and agency offices, competing with TitleSmart for both residential and commercial title work, but with significantly broader geographic coverage.
- First American Title Insurance Company: One of the largest national title insurance underwriters in the U.S., issuing owner's and lender's policies and providing closing/escrow services nationwide. Competes with TitleSmart in the Twin Cities via direct operations and agency relationships, but operates at national scale across many product lines.
- Fidelity National Title: The largest U.S. title insurance underwriter (parent FNF), offering direct title, escrow, and closing services through national and regional operations. Overlaps with TitleSmart on residential and commercial title issuance in Minnesota and Wisconsin, with materially deeper balance sheet and lender-direct relationships.
- North American Title Company: National title insurance underwriter (formerly part of FNF) issuing title policies and operating agency title operations. Competitor in the broader national title market with overlapping products (owner's and lender's policies, escrow, closing), but at much larger scale than TitleSmart.
- Old Republic Title: National title insurance underwriter issuing policies through direct and agency operations across the U.S. Competes with TitleSmart on lender-direct title work in the upper Midwest and offers commercial title services that overlap with TitleSmart's commercial division.
Others
- Qualia: Closing and title technology platform used by title agents, underwriters, and real estate professionals to coordinate real estate transactions. Adjacent / enabling rather than directly competing — Qualia's software is actually used by some title agencies — but it is the kind of platform that could reshape how TitleSmart-style regional shops operate.
Emerging players
- Spruce: Digital-first title insurance and escrow platform offering a fully online closing experience for home buyers, sellers, and lenders. Competes with TitleSmart on the consumer experience layer — particularly RON and online ordering — though at a much earlier stage and smaller geographic footprint.
Regional players
- Sun Title Agency: Midwestern title and closing agency with multi-office operations serving residential and commercial transactions. Comparable regional title/closing model to TitleSmart, though operating in a different upper-Midwest market rather than directly in the Twin Cities.
- Title One: Regional title and escrow company operating across multiple Midwestern/Mountain-West states with branch-based title and closing services. Comparable operating model to TitleSmart (multi-branch, residential-focused) but in different states, so primarily a comparable for business-model benchmarking rather than direct competition.
Direct peers
- The Title Team: Independent Twin Cities title and closing company providing title insurance and real estate closing services to home buyers, sellers, and real estate agents in the same Twin Cities metro as TitleSmart. Closest direct competitor given the overlapping geography, customer base, and service mix.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
TitleSmart social profiles
Digital presenceTitleSmart compliance and trust
Trust signalCompliance1 record
TitleSmart financial estimates
Financial estimateRevenue estimate
Valuation estimate
TitleSmart leadership team
Management profileNumber of profiles
Profiles5 records
TitleSmart funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TitleSmart M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about TitleSmart
What does TitleSmart do?
TitleSmart is a full-service title insurance agency that issues owner's and lender's title insurance policies and provides escrow, real estate closing coordination, document preparation, notarization, and fund disbursement services for residential and commercial property transactions. The company operates eight branch offices across the Twin Cities metro area and Wisconsin, supplemented by digital tools such as title insurance rate calculators, seller net sheet calculators, and Remote Online Notarization (RON).
Is TitleSmart a public or private company?
TitleSmart is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was TitleSmart founded?
TitleSmart was founded in 2007. It employs 101 to 250 people.
Where is TitleSmart based?
TitleSmart is headquartered in White Bear Lake, United States, in the North America region.
How does TitleSmart make money?
Three revenue lines are on record. Title Insurance Policies are the primary driver. The others are escrow and Closing Services and document Preparation and Related Fees.
Who are TitleSmart's main competitors?
Broad incumbents on record are Stewart Title, First American Title Insurance Company, Fidelity National Title, North American Title Company and Old Republic Title. Qualia is listed as an others. Spruce is listed as an emerging player. Regional players are Sun Title Agency and Title One. The Title Team is listed as a direct peer.
Does TitleSmart have an API?
No public API is recorded for TitleSmart.
What industry is TitleSmart in?
TitleSmart's product category is Title Insurance & Real Estate Closing Services. Its primary akta.pro industry code is BPAJAOAA, Title Insurance & Underwriting, with a secondary code of BPAJAOAB, Title Search & Examination. Its NAICS code is 524127 and its SIC code is 6361.