Photo of Beth Smith

Beth Smith

Mortgage Loan Specialist


Phone: 651-464-9021

NMLS#: 1214027

Beth brings over 17 years of banking experience to Royal Credit Union. Besides her current role helping Royal Members with home equity lines of credit and mortgage loans, Beth has a broad background in the financial industry – she’s also assisted people with consumer loans, personal accounts, and business accounts.

Beth is especially passionate about educating Members on all things related to credit. She enjoys reviewing how credit scores and credit history can impact the loan process, and she’s ready to work with you to find the best home equity line of credit or home mortgage loan option to help you reach your financial goals. Beth also understands that getting a home loan, mortgage refinance, or home equity line of credit isn’t something that most people do every day, so she’s always sure to communicate clearly and effectively throughout the borrowing process.

Beth enjoys camping, fishing, bonfires, and hanging out with family and friends when she’s not at work.


  • Discussing which loan program best fits your needs
  • Taking out a Home Equity Line Of Credit (HELOC)

Office Locations: