---
canonical_url: https://lendb.ai/lo/kristen-smith-306103
json_url: https://lendb.ai/lo/kristen-smith-306103.json
nmls_id: 306103
last_verified: 2026-10-09
---

# Kristen Smith

VP/ Senior Mortgage Loan Officer at TowneBank Mortgage, Suffolk, VA. NMLS ID 306103 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/306103)).

**Summary:** 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 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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

- **Construction loan** (`construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://townebankmortgage.com/officers/kristen-smith/
- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://townebankmortgage.com/officers/kristen-smith/

## 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.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- service_area: Hampton Roads, Virginia. Source: https://townebankmortgage.com/officers/kristen-smith/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: TowneBank Mortgage (NMLS 512138), Suffolk, VA. Source: https://townebankmortgage.com/officers/kristen-smith/, 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/306103

## Contact

- linkedin_url: https://www.linkedin.com/in/kristen-froehlich-8a00b3a8/ (source: lender_site, verified 2026-10-09)
- View profile at TowneBank Mortgage: https://townebankmortgage.com/officers/kristen-smith/
- Office phone and Email on file: shown at https://lendb.ai/lo/kristen-smith-306103#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/306103
- lender_site: https://townebankmortgage.com/officers/kristen-smith/

Cite as: Kristen Smith (NMLS 306103), TowneBank Mortgage. LenDb.ai, https://lendb.ai/lo/kristen-smith-306103, last verified 2026-10-09.

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