Oxford, Monroe and Bethel

Photos of Tracy SmithTracey B. Smith
Assistant Vice, President, Mortgage Loan Officer
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.

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.