State National Companies

Proactive, Not Reactive

It's as true in portfolio protection as it is in life: Better results come from anticipating situations and preventing problems, instead of reacting after issues appear. That's why we invest abundant time and resources toward preventive measures to avoid borrower friction — before it ever happens.

Unbundle Yourself and Choose Expertise

State National's approach to portfolio risk management is unique in our industry. We focus exclusively on portfolio protection and continually invest in proprietary and emerging technology solutions that set the standard for operational excellence, maximum ease of use, seamless systems and processes, and exceptional client and borrower experience.
 
As the only provider specializing exclusively in collateral protection solutions, we dedicate 100% of our technology investments to reducing risk in your loan portfolio. From AI-powered automation to custom-built APIs, every innovation is designed to streamline processes, minimize borrower disruptions, and improve efficiency and financial outcomes for lenders.
 

InsurTrak

InsurTrak is the industry’s most advanced and user-friendly insurance tracking system, purpose-built for CPI and designed to make everything easy. From seamless insurance tracking and claims filing to real-time borrower transaction access and on-demand performance reporting, InsurTrak puts everything you need in one place. With instant, one-click access to insurance details — including borrower calls and chats — and powerful automation that eliminates routine administrative tasks, InsurTrak streamlines program management and keeps you in control without delays or guesswork.

VeriTrak

Our one-of-a-kind outbound verification system receives policy information from InsurTrak and automatically routes it to either our AI-powered verification process or to contact center staff, based on carrier. Verifications are queued based on due date and time, for maximum timeliness and efficiency.

Proactive AI Verification

State National’s advanced AI technology has accelerated insurance verification results by automating once-manual processes. Our AI-powered process captures real-time borrower insurance data from insurers’ websites, updating InsurTrak in seconds. This innovation eliminates bottlenecks, boosts speed and accuracy, and reduces unnecessary touchpoints — all without human intervention.

APIs

Custom integrations with APIs from our extensive API library make insurance management simpler and more effective than ever before. Transforming insurance management, our exclusive InsurPath™ API lets borrowers seamlessly update insurance details through their online banking platform while empowering lenders to communicate directly within the same space. This industry-first innovation boosts compliance and delivers measurable results.

 

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