Tammy Smith

Tammy Smith

Mortgage Loan Officer

Email: tammy.smith@rcu.org

Phone: 715-246-8001

NMLS#: 999780

Tammy began her career with Royal Credit Union in 2006, starting in the financial industry in 1991.  Her priority is to provide exceptional service while making our Members’ lending experience easy and stress free.

Tammy is a lifelong resident of River Falls, WI where she currently resides with her two children. In addition to helping Members at Royal, she is passionate about helping to make a difference. Tammy is committed to supporting Relay for Life and regularly volunteers in her community.


  • Discussing which loan program best fits your needs
  • Calculating how much house you can afford
  • Getting preapproved and providing a preapproval letter
  • Locking your mortgage rate after you have an accepted offer
  • Learning more about construction loans
  • Buying investment properties
  • Refinancing an existing mortgage

Office Locations: