{
  "canonical_url": "https://lendb.ai/lo/sandy-wachenschwanz-774677",
  "lede": {
    "text": "Sandy Wachenschwanz (NMLS 774677) is a mortgage loan officer at The Vinton County National Bank. Sandy's own profile lists HELOC as a focus.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Sandy licensed?",
      "a": "Sandy works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-16"
    },
    {
      "q": "Does Sandy do HELOCs?",
      "a": "Sandy's profile lists HELOC as a focus (from their lender profile page).",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Sandy work for?",
      "a": "The Vinton County National Bank, company NMLS 483350, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz",
      "verified_at": "2026-10-16"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "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"
    }
  }
}