Heartland Title Company

What Heartland Title Company does

Heartland Title Company is a privately held, founder-owned title insurance and real estate settlement services provider operating in Florida since 1977. The company, owned and operated by Scott Hart, conducts title searches, issues title insurance policies (both lender's and owner's coverage), and facilitates real estate closings for residential, commercial, investment, and vacant land transactions. It serves three primary customer segments: Realtors (as a B2B closing partner), individual home buyers and sellers (consumers), and mortgage lenders requiring TRID-compliant settlement services.

The company's core offering is a unified suite of title and real estate settlement services, supplemented by educational resources including a Video Library covering mortgage processes and TRID disclosures, ALTA Best Practices guidance, and Cyber Security resources for wire fraud prevention. No proprietary technology platform, mobile application, API, or AI capability is described; service delivery relies on a single physical office in New Port Richey, FL, supported by phone, email, fax, and a website-based online title ordering form. The company holds partnerships with major national title underwriters — Fidelity National Title Group, American Land Title Association, and Chicago Title Insurance Company — which provide insurance capacity and regulatory credibility.

Heartland Title Company generates revenue through transaction-based fees earned on a per-closing basis for title insurance policies and settlement services. Pricing is not publicly disclosed and customers are directed to contact the company directly for quotes. The go-to-market approach is sales-led and relationship-driven, relying on referrals from local Realtors, repeat customers, and word-of-mouth, supplemented by content marketing via the company website and organic social media presence on Facebook, Twitter, and Instagram. The company claims to service the entire state of Florida from its single New Port Richey headquarters.

Name

Heartland Title Company

Legal name

Heartland Title Company

Website

https://heartlandtitle.com

Company type

Private

Founded year

1977

Operating status

Operating

Headcount range

1–10 employees

Short description

Heartland Title Company is a privately held Florida title insurance and real estate settlement services provider, founded in 1977 and serving Realtors, home buyers and sellers, and lenders across the state from its New Port Richey headquarters.

Ownership category

akta.pro rank

Product category

Title Insurance and Real Estate Settlement Services

NAICS

Title Abstract and Settlement Offices (541191)

SIC

Title Insurance (6361)

akta.pro primary industry

Title Insurance (FSAJACAL)

akta.pro secondary industry

Title Search & Examination (BPAJAOAB)

Keywords

• Title insurance services
• Real estate closings
• Escrow settlement services
• Title search services
• Property title verification

Headquarters

HQ city

New Port Richey

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Title Insurance and Settlement Services: Heartland Title Company generates revenue through title insurance policies and real estate settlement/closing services. The company conducts title searches, issues title insurance policies (both lender's and owner's coverage), and facilitates real estate closings for buyers, sellers, and lenders. Revenue is transaction-based, earned on a per-closing basis.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Heartland Title Company provides title insurance, escrow, and real estate closing/settlement services for residential, investment, commercial, and vacant land property transactions throughout Florida. The company conducts title searches, issues lender's and owner's title insurance policies, prepares closing documentation, and facilitates closings through TRID-compliant processes. Services are tailored across three primary audiences: Realtors, home buyers and sellers, and mortgage lenders.

Product overview

Heartland Title Company is a full-service title and real estate settlement provider operating in Florida since 1977. The company offers a unified suite of title insurance and closing services, including Title and Real Estate Settlement Services as the core offering, supplemented by specialized services for Lenders, Realtors, and Consumer (buyer/seller) segments. The portfolio also includes educational resources such as a Video Library with mortgage and closing guidance, Best Practices resources covering ALTA and TRID compliance, and Cyber Security information for fraud prevention. The company operates under owner Scott Hart and maintains partnerships with national underwriters including Fidelity National Title, American Land Title Association, and Chicago Title Insurance Company.

Differentiator

Problem solved

Functional benefit

Products and services

• Title and Real Estate Settlement Services Full-service title insurance and real estate settlement provider serving buyers, sellers, Realtors, and lenders throughout Florida. Handles proper title transfer and closing process completion for residential, investment, commercial, and vacant land transactions.
• Title Insurance Services

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• Fidelity National Title GroupcoreTechnology or IntegrationFidelity National Title Group is one of the nation's largest title insurance companies. Heartland Title Company works with Fidelity National Title as a national underwriter for title insurance policies, providing the financial backing and claims-paying ability for policies issued by Heartland.
• American Land Title AssociationcoreTechnology or IntegrationALTA is the national trade association for the title insurance industry. Heartland Title Company maintains membership and operates in accordance with ALTA's Best Practices, which provide industry-standard compliance guidelines for title and settlement services.
• Chicago Title Insurance CompanycoreTechnology or IntegrationChicago Title Insurance Company is a major national title insurance underwriter. Heartland Title Company works with Chicago Title as one of its national underwriters, providing insurance capacity and financial strength for title policies issued to customers.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Investors Title Company: Mid-sized U.S. title insurance underwriter offering title insurance and related services through agency and direct channels, comparable in core service mix to Heartland though larger in scale.
• Stewart Information Services: National title insurer and settlement services company providing title insurance, escrow, and closing services across the U.S. Directly competes with independent agencies like Heartland for lender and Realtor business.
• Fidelity National Financial: Parent of Fidelity National Title, the largest U.S. title underwriter and one of Heartland's two key underwriting partners. FNF operates a national agency network directly overlapping Heartland's title search, issuance, and closing services.
• Old Republic International (Title Group): Operates one of the largest U.S. title insurance groups, competing in the same title issuance and settlement category as Heartland, including via agency relationships in Florida.
• First American Financial Corporation: One of the largest U.S. title insurers and settlement service providers, offering the same combination of title insurance, escrow, and closing services as Heartland, but at national scale and through proprietary technology platforms.

Emerging players

• Spruce: Real estate fintech offering title and closing services through a digital platform, representing the direct-to-consumer model that could erode traditional local title agencies' market share over time.
• Qualia: Technology platform serving title and escrow companies with digital closing, order management, and integration tools—an emerging threat/complement to traditional agencies like Heartland that lack proprietary tech.

Direct peers

• Title Resources Guaranty Company: Title underwriter that distributes through independent title agents across multiple states, closely mirroring Heartland's structure of issuing policies underwritten by larger carriers.
• North American Title Insurance Company: Multi-state title underwriter and settlement services provider competing for the same Realtor, lender, and consumer relationships Heartland serves, particularly in residential transactions.
• WFG National Title Insurance Company: Independent, multi-state title underwriter and agency that operates through a distributed network of title agents—directly comparable business model to Heartland's independent-agency-plus-underwriter arrangement.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/heartlandtitle
• Facebookfacebook.com/heartland.title.7
• Instagraminstagram.com/heartland_title_company
• LinkedInlinkedin.com/company/heartland-title-company

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Heartland Title Company