It's a close call but my guess is that this is one of the variations of the Large Yellow Underwing. I think the forewing of Xestia smithii would show less contrast than seen in your image (i.e. the dark marks along the bottom of the reniform spot and where the subterminal line meets the costa wouldn't be as bold, and the area bordering the basal half of the costa wouldn't be as pale or extensive). Too bad you didn't see the hindwings; that would have clinched it. Here's a comparison of both. The live MPG plate shows several more examples.