Kristen Smith
VP/ Senior Mortgage Loan Officer at TowneBank Mortgage · Suffolk, VA
NMLS ID 306103 (opens in a new tab) · verify at NMLS Consumer Access
Kristen Smith (NMLS 306103) is VP/ Senior Mortgage Loan Officer at TowneBank Mortgage, based in Suffolk, VA. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: Construction loan and FHA loan.
Last verified . Sources: TowneBank Mortgage (townebankmortgage.com) and NMLS Consumer Access (license status, check live).
- Likely federally registered
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Where we saw these: townebankmortgage.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
No license list on file yet. Check NMLS Consumer Access (opens in a new tab) for every state this person is licensed in.
Likely federally registered: works at a bank. Federally registered MLOs aren't state-licensed; verify at NMLS (NMLS Consumer Access (opens in a new tab)).
Contact
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Employment history
TowneBank Mortgage NMLS 512138
Current · Suffolk, VA · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Lifelong Hampton Roads resident committed to simplifying home financing. Specializes in creating mortgage finance plans to lower costs, save money, and help clients purchase or refinance homes.
Our summary of the lender page. Verified 2026-10-09.
Sources
| Name and employer | lender site · townebankmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · townebankmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · townebankmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · townebankmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · townebankmortgage.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Kristen Smith (NMLS 306103), TowneBank Mortgage. LenDb.ai, https://lendb.ai/lo/kristen-smith-306103, last verified 2026-10-09.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.