Home About Us Kristen Smith

Meet Kristen Smith

Mortgage Loan Officer

NMLS ID: 2318048

Serving Tarrant and Surrounding Counties

6851 NE Loop 820
Suite 100
North Richland Hills, TX 76180

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I’ve been in banking since 2009, and providing exceptional service to my customers has always been my top priority.

I take great pride in all aspects of my work and strive to provide borrowers with a smooth lending experience. I make it a point of emphasis to effectively communicate with my customers throughout the entire process to make sure that my borrowers’ needs are constantly met.

Whether you’re constructing a new home, purchasing land, buying a house, or refinancing your current property, I will be your advocate in all things mortgage. Welcome home to Legend Bank!

Enjoy the legendary service that makes us the go-to for homebuyers in our communities.

Whether you’re planning to buy, build, or refinance, we’re here to support you every step of the way. We offer a variety of mortgage solutions tailored to fit your needs—from purchasing a home or land to construction and refinancing options.
*Credit score and other requirements must be met. Rates and terms may vary. Mortgage insurance may be required.

How PITI Affects Your Monthly Mortgage Payment

When it comes to homeownership, PITI—Principal, Interest, Taxes, and Insurance—is a crucial part of your monthly mortgage payment. Kristen breaks down how each component impacts your loan and why understanding PITI is essential for budgeting for your dream home.

Gain valuable insights and feel confident in your homebuying journey.

Insurance Choice Remains Yours, Even When Escrowed

If your mortgage is escrowed, you might wonder—do you still have control over your homeowners insurance?

Kristen Smith explains how escrow accounts work with insurance payments and more. Get the facts and make informed decisions about your home insurance.

What My Customers Are Saying

Working with Kristen Smith at Legend Bank for our new construction loan was such a smooth experience. She was super helpful from start to finish and made the whole process way less stressful than we expected. Anytime we had questions or concerns, she was quick to respond and really took the time to make sure we understood everything.

Nyal & Megan H.

We loved working with Kristen for our home mortgage. I like how we were required to provide all of our documents up front so that we weren’t scrambling to gather them during the buying and selling process. Kristen kept us informed from start to finish and was always happy to answer our questions. We were well prepared for closing, and everything went smoothly. We are thankful for all that Kristen did to make our home loan experience a good one.

Raymond & Angela R.