Oxford, Bethel and Seymour

Photos of Tracy SmithTracey B. Smith
Assistant Vice President, Mortgage Banker
Office: 203.364.2910
Cell: 203.460.4655
NMLS# 12594


Tracey has been originating loans for over 20 years. She joined the Bank in 2016 and serves our Oxford, Stony  Hill (Bethel) and Clock Tower (Monroe) offices. Tracey received Connecticut Magazine’s Five Star Mortgage Professional Award from 2012-2014 and 2018-2020. She is a member of the Northern Fairfield County Association of Realtors, the Southbury Business Association, and the Newtown Working Women’s Forum. Tracey attended Central Connecticut State University and resides in Sandy Hook with her family.

I look forward to assisting with your home financing needs - Tracey

Here's what some of my customers said recently...

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Tracey did an amazing job
I'm so happy that my realtor referred Tracey to me. I was moving from out of state and was less knowledgeable about the state's procedures or timelines. Tracey took the time through the process to explain things to me. Tracey also did an amazing job at closing the loan in time to meet a fairly aggressive closing schedule. I would absolutely recommend Tracey.

Wonderful, stress free experience
We recently purchased our home in the Fall of 2023, a time when the real estate market was just absolutely crazy. One would expect an extremely stressful process ahead between supply and demand and interest rates, but this wasn't the case for us. Tracey was patient, knowledgeable, and helpful with securing our loan and finding our dream home. We had her prepare over five separate offers before getting the house we ended up in, and she always came through to support us at the drop of a hat. With the interest rates changing, she always gave us clear information and options that met our financial needs and questions. When it came to closing, we were clear to close so quickly and did not have any hiccups along the way because of her clear direction. We are so happy we went with Tracey and Newtown Savings Bank. We couldn't recommend her more! 

Very helpful, communicative and quick
I got immediate help with sorting out different options for my mortgage and found a solution that was ideal for me. Every time I had questions, Tracey helped me quickly and to my satisfaction. I have never done this before, but it felt easy and safe with the help from Tracy along the way.
Tracey was wonderful
I was a first-time buyer and she was very patient with me. She made the process so easy and explained to me every step and detailed. She is awesome. I will refer her to all my friend and family.
Wonderful above and beyond service
While searching for a home loan I contacted a lot of different mortgage brokers all promised the world but all came with 6.50% plus mortgage rates and this was around the September timeframe. I found Newtown Savings Bank online, filled out some info on line and couldn’t believe the rate of only 4.75%.  I really thought there was a big catch. Tracey called me the next day explained everything told me what she needed from us and it was that simple to get a pre-approval. Once we found a house, which seemed to take forever, Tracy and underwriting had us ready to close in under 3 weeks. Unfortunately, it wasn't that easy for us due to the selling of our current house. But Tracey was there for us. Any questions we had she was just a phone call away and answered every time any emails sent were also answered extremely quickly. We felt so confident in Newtown Savings Bank we decided to switch our banking to them as well. 


Tracey was very knowledgeable, she helped us understand the loan processed as first- time home buyers. Every time we had a question, she was right there to answer them I was really happy that she was our loan officer we didn't not have an easy loan as my co- borrower is self- employed. Tracey assured us that we are in good hands she would guide us in the process I have already recommended her to my friends and if I needed another loan I know where to go  :)
A Realtor’s Lender!!
I cannot say enough great things about Tracey. As a Realtor myself, I know firsthand the importance of a good lender - and have many lender references in my network. When it came to a construction loan on our own family home, Tracey was a top-notch expert. She kept in touch with us for over a year, answering all of our questions before we ultimately ended up with the property we wanted to purchase. The process was seamless, despite the complexities a construction loan involves. Our rate was so much better than other banks, which made things even better! Tracey even stepped in to save one of my buyer client transactions, thanks to her diligence and quick communication. We are so thankful for Tracey’s help and will continue to refer her as one of the best lenders we’ve worked with, both personally and professionally!
Tracey Saved Our Mortgage
Tracey at Newtown Savings Bank was an absolute godsend for us. After difficulty and delays with a large national brand mortgage brokerage that caused our mortgage to fall apart, we found Tracey who stepped in and completely saved us. From start to finish the process, communication, and timeline with Tracey was seamless. Not only did Tracey save us from an incredibly frustrating and stressful situation, she got us an unbelievably great rate, saving us a ton of money amidst one of the worst inflationary/rising rate environments in decades. We owe Tracey and Newtown Savings Bank a huge debt of gratitude and our experience only goes to reaffirm my belief in supporting local, independent businesses like hers.

Wonderful experience!
My Realtor introduced me to Tracey and working with her was wonderful. Tracey was very accommodating all the way. There we times I needed a new pre approval letter and she was always on point, no hesitation; even after hours. Bottom line, Tracey is a top notch mortgage lender, and I highly recommend her to anyone looking for a lender.
Great Experience
Nothing but good things to say about our experience with Tracey. Very professional and helpful throughout the whole process. Strongly recommend!! Made a stressful process manageable.
10/10 Would Recommend
Tracy was communicative, timely, thorough, and accommodating. This is the fourth house I've purchased and by far the best experience with a Loan Officer.

Tracey was absolutely amazing to work with, as a first time home buyer she explained everything and was so east to work with. She fielded all of my calls and questions, was always available to help out when we needed an updated letter. Our closing process was incredibly arduous due to challenging sellers, and Tracey was so helpful in this process and incredibly flexible with a continually moving closing date. We'll absolutely work with Tracey again!
Tracey got us our pre-approval on the day after Christmas!
Tracey was amazing in a scary time to be a buyer! Our family was separated in two states and desperate to be together again. We called her the day after Christmas in the hopes to look at houses while the kids were on school break. We wanted to sneak in before buyers came out again after the new year. She was amazing and communicated with us via text, email, and phone call. She knew so much about the process and she got us an earlier closing date! I would recommend her to anyone!

Knowledgeable and Professional
My girlfriend and I purchased a house in October 2022 with the help of Tracey. She made the process so much easier then I expected. She was always readily available to answer any question that we might have had. Which was amazing. Thanks Tracey! 

Made a stressful process manageable and understandable
My fiancé and I used Tracey as our mortgage lender for a construction loan. After a deal with another bank fell through, Tracey assured us that our dream of building our home was still very much a reality. Tracey is honest, direct, and very dedicated to her clients. She took time to educate and advocate for our needs. I am sure I reached out to Tracey to ask questions that were beyond her job description but she was never too busy to explain (or re-explain) things to us. She knew we had a goal of closing before Christmas and she worked diligently to make that happen. You can tell she goes above and beyond and truly cares about her clients. I instantly felt I could trust Tracey completely and highly recommend her and Newtown Saving Bank!

Tracey Smith was fantastic!
Purchased a home in October 2020. Very smooth personalized service. My son was getting very frustrated applying for a mortgage through a large national bank with everything done online. I sent him to Tracey and she walked him through the whole process from start to finish. Highly recommend Tracey Smith at Newtown Savings.

Wonderful person to work with!!
Tracey was kind, patient, and always readily available for any questions or concerns we had during our lengthy construction loan process!! She was helpful at resolving any issues we had and ready to help at a moments notice!

Simply a Great Experience
We recently refinanced our home and Tracey was great to work with. She was readily available throughout the process via phone or email. Our re-fi was super painless! I highly recommend Tracey for your mortgage needs!

We were approved for the mortgage and set to close with no additional documents needed. I’m impressed. And I told my agent, to consider you for future lending and I’m telling my friends too.

Great experience!
Tracey worked with us while buying a house and refinancing. She was always available and ready to answer all our questions. She made buying and refi a breeze ! I highly recommend her!
Look no further - give Tracey a call
Tracey was great to work with for my refinance. From explaining all options available to me, initiating the application and everything through closing, it was truly a seamless and hassle free process. Tracey was always very responsive, I never felt like I was waiting for the next step. I was also always informed of what the next step would be. Look no further, give Tracey a call.

Thank you SO much for your incredible support
It made my process as a first time homebuyer significantly easier.

We are very appreciative of her hard work and dedication
Tracey reflects well on Newtown Savings Bank as a local bank dedicated to serving the community. I look forward to referring my clients and friends to Tracey and Newtown Savings Bank.

Thank you
After working with Tracey on a home loan for my own property several years ago I began recommending her to my clients. Most recently she closed a deal that would have undoubtedly fallen apart without her decades of experience and knowledge of the underwriting process. Tracey's pleasant personality makes her easy to work with and a delight to recommend to clients.

I would highly recommend working with Tracey...
Buying a house is stressful, deciding who to finance your new house with is even more stressful! However, working with Tracey Smith at Newtown Savings Bank made the house buying process go better than we could have imagined. She was thorough in her review of our documents, helped us to secure the best type of loan for our family and situation, provided great interest rates, responsive to our calls, texts and emails and most importantly; friendly and kind. I would highly recommend working with Tracey for any of your financial needs!

Very personable, easily reachable and easy to talk with...
Tracey was AWESOME to work with! She is very personable, easily reachable, and easy to talk with and understood all our needs! She is amazing! Tracey was available at a moments notice and used up to date resources and ways to communicate like emails, texts and stop by meetings at our house.

Tracey is simply outstanding in managing all facets of this process
I had two home purchase loans that Tracey Smith handled for me. There will likely be a third sometime in the near future and I would not think of using anyone else. Tracey is simply outstanding in managing all facets of this process. From initial contact to final signing of contracts she was both professional and caring. Follow through was exceptional keeping me informed with every detail constantly. I never had to worry or wonder about what was happening or what and when to do the next thing. She is a gem, simply put.