---
canonical_url: https://lendb.ai/lo/karyl-smith-115330
json_url: https://lendb.ai/lo/karyl-smith-115330.json
nmls_id: 115330
last_verified: 2026-10-09
---

# Karyl Smith

Loan Officer at ALCOVA Mortgage, Raleigh, NC. NMLS ID 115330 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/115330)).

**Summary:** Karyl Smith (NMLS 115330) is Loan Officer at ALCOVA Mortgage, based in Raleigh, NC. Lists North Carolina on the lender page (not yet checked with the state regulator). Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: North Carolina (NC, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties


## Facts from the lender page and intro

- community: Supports Triangle Business Builders. Source: https://alcova.com/loan-officer/ksmith/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: ALCOVA Mortgage (NMLS 40508), Raleigh, NC. Source: https://alcova.com/loan-officer/ksmith/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/115330

## Contact

- linkedin_url: https://www.linkedin.com/in/karylsmith/ (source: lender_site, verified 2026-10-09)
- View profile at ALCOVA Mortgage: https://alcova.com/loan-officer/ksmith/
- Office phone and Email on file: shown at https://lendb.ai/lo/karyl-smith-115330#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/115330
- lender_site: https://alcova.com/loan-officer/ksmith/

Cite as: Karyl Smith (NMLS 115330), ALCOVA Mortgage. LenDb.ai, https://lendb.ai/lo/karyl-smith-115330, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._