{
  "canonical_url": "https://lendb.ai/lo/sandy-wachenschwanz-774677",
  "loan_officer": {
    "nmls_id": 774677,
    "slug": "sandy-wachenschwanz-774677",
    "canonical_url": "https://lendb.ai/lo/sandy-wachenschwanz-774677",
    "md_url": "https://lendb.ai/lo/sandy-wachenschwanz-774677.md",
    "json_url": "https://lendb.ai/lo/sandy-wachenschwanz-774677.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/774677",
    "full_name": {
      "value": "Sandy Wachenschwanz",
      "source": "lender_site",
      "source_url": "https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz",
      "verified_at": "2026-10-16"
    },
    "first_name": "Sandy",
    "last_name": "Wachenschwanz",
    "headshot_url": null,
    "bio": {
      "value": "Sandy Wachenschwanz has been in banking since 1979 and in lending since 1998. Since joining VCNB in 2019, their focus has been mortgage and home equity lending. They also serve as secretary/treasurer at their church.",
      "source": "lender_site",
      "source_url": "https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "VP of Lending, Mortgage Loan Originator",
      "source": "lender_site",
      "source_url": "https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 55,
    "current_employment": {
      "lender_nmls_id": 483350,
      "lender_name": "The Vinton County National Bank",
      "lender_slug": "the-vinton-county-national-bank-483350",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 483350,
        "lender_name": "The Vinton County National Bank",
        "lender_slug": "the-vinton-county-national-bank-483350",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "heloc",
        "label": "HELOC",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1979",
        "source": "lender_site",
        "source_url": "https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "years_experience",
        "value": "since 1998",
        "source": "lender_site",
        "source_url": "https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Church secretary/treasurer",
        "source": "lender_site",
        "source_url": "https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 22:22:26.180875+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office"
      ],
      "reveal_url": "https://lendb.ai/lo/sandy-wachenschwanz-774677#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}