{
  "canonical_url": "https://lendb.ai/lo/pat-wilsbacher-2780988",
  "loan_officer": {
    "nmls_id": 2780988,
    "slug": "pat-wilsbacher-2780988",
    "canonical_url": "https://lendb.ai/lo/pat-wilsbacher-2780988",
    "md_url": "https://lendb.ai/lo/pat-wilsbacher-2780988.md",
    "json_url": "https://lendb.ai/lo/pat-wilsbacher-2780988.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2780988",
    "full_name": {
      "value": "Pat Wilsbacher",
      "source": "lender_site",
      "source_url": "https://www.cardinalfinancial.com/loan-originator/pat-wilsbacher/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Pat",
    "last_name": "Wilsbacher",
    "headshot_url": {
      "value": "https://www.cardinalfinancial.com/wp-content/uploads/2026/01/Screenshot-2026-01-16-154146-150x150.png",
      "source": "lender_site",
      "source_url": "https://www.cardinalfinancial.com/loan-originator/pat-wilsbacher/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "After 16 years in insurance and owning an agency, Pat moved into mortgage lending with Cardinal Financial. They enjoy helping people understand financing options and keeping the process smooth.",
      "source": "lender_site",
      "source_url": "https://www.cardinalfinancial.com/loan-originator/pat-wilsbacher/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Originator",
      "source": "lender_site",
      "source_url": "https://www.cardinalfinancial.com/loan-originator/pat-wilsbacher/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.cardinalfinancial.com/loan-originator/pat-wilsbacher/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 16,
      "source": "lender_site",
      "source_url": "https://www.cardinalfinancial.com/loan-originator/pat-wilsbacher/",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 66247,
      "lender_name": "Cardinal Financial Company",
      "lender_slug": "cardinal-financial-66247",
      "branch_city": "Des Moines",
      "branch_state": "IA",
      "branch_zip": "50266",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.cardinalfinancial.com/loan-originator/pat-wilsbacher/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.cardinalfinancial.com/loan-originator/pat-wilsbacher/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 66247,
        "lender_name": "Cardinal Financial Company",
        "lender_slug": "cardinal-financial-66247",
        "branch_city": "Des Moines",
        "branch_state": "IA",
        "branch_zip": "50266",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.cardinalfinancial.com/loan-originator/pat-wilsbacher/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.cardinalfinancial.com/loan-originator/pat-wilsbacher/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "16",
        "source": "lender_site",
        "source_url": "https://www.cardinalfinancial.com/loan-originator/pat-wilsbacher/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "owned and operated insurance agency",
        "source": "lender_site",
        "source_url": "https://www.cardinalfinancial.com/loan-originator/pat-wilsbacher/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "volunteer in field trips, homeroom dad for Watch D.O.G.'s, active in Scouts",
        "source": "lender_site",
        "source_url": "https://www.cardinalfinancial.com/loan-originator/pat-wilsbacher/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 00:30:49.375388+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/pat-wilsbacher-2780988#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.cardinalfinancial.com/loan-originator/pat-wilsbacher/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}