---
canonical_url: https://lendb.ai/lo/russell-smith-78989
json_url: https://lendb.ai/lo/russell-smith-78989.json
nmls_id: 78989
last_verified: 2026-10-09
---

# Russell Smith

Branch Partner at ALCOVA Mortgage, Whiteville, NC. NMLS ID 78989 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/78989)).

**Summary:** Russell Smith (NMLS 78989) is Branch Partner at ALCOVA Mortgage, based in Whiteville, NC. Lists North Carolina, South Carolina and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Construction loan, DSCR loan, Real estate investor and Rural property. States 32 years of experience. 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.
- Years experience (stated by the LO): 32 (source: https://alcova.com/loan-officer/rsmith/, verified 2026-10-09)
- Licensed in: North Carolina (NC, lender_reported), South Carolina (SC, lender_reported), Virginia (VA, 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

- **Construction loan** (`construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/rsmith/
- **DSCR loan** (`dscr`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/rsmith/
- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/rsmith/
- **Rural property** (`rural`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/rsmith/

## About

Russell Smith has 32 years of mortgage lending experience and specializes in complex real estate financing solutions including large acreage, farms, and unique properties. He is passionate about helping clients achieve their homeownership dreams through strategic financing partnerships.

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

## Facts from the lender page and intro

- years_experience: 32. Source: https://alcova.com/loan-officer/rsmith/, verified 2026-10-09.
- role: Branch Partner. Source: https://alcova.com/loan-officer/rsmith/, verified 2026-10-09.
- credential: 2025 Top Producer, 2025 Top Branch, 2025 Top Producer DSCR in Volume. Source: https://alcova.com/loan-officer/rsmith/, 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 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: ALCOVA Mortgage (NMLS 40508), Whiteville, NC. Source: https://alcova.com/loan-officer/rsmith/, 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/78989

## Contact

- linkedin_url: https://www.linkedin.com/in/russellthemortgagestrategist/ (source: lender_site, verified 2026-10-09)
- View profile at ALCOVA Mortgage: https://alcova.com/loan-officer/rsmith/
- Email on file: shown at https://lendb.ai/lo/russell-smith-78989#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/78989
- lender_site: https://alcova.com/loan-officer/rsmith/

Cite as: Russell Smith (NMLS 78989), ALCOVA Mortgage. LenDb.ai, https://lendb.ai/lo/russell-smith-78989, last verified 2026-10-09.

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