---
canonical_url: https://lendb.ai/lo/sandy-wachenschwanz-774677
json_url: https://lendb.ai/lo/sandy-wachenschwanz-774677.json
nmls_id: 774677
last_verified: 2026-10-16
---

# Sandy Wachenschwanz

VP of Lending, Mortgage Loan Originator at The Vinton County National Bank. NMLS ID 774677 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/774677)).

Sandy Wachenschwanz (NMLS 774677) is a mortgage loan officer at The Vinton County National Bank. Sandy's own profile lists HELOC as a focus.

**Summary:** Sandy Wachenschwanz (NMLS 774677) is VP of Lending, Mortgage Loan Originator at The Vinton County National Bank. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: HELOC. Last verified 2026-10-16.

## Quick answers

### Is Sandy licensed?

Sandy works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access. Source: employer type in LenDb's lender registry.

### Does Sandy do HELOCs?

Sandy's profile lists HELOC as a focus (from their lender profile page). Source: https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz.

### What lender does Sandy work for?

The Vinton County National Bank, company NMLS 483350, per the lender's own site (verified 2026-10-16). Source: https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed (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.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- **HELOC** (`heloc`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz

## About

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: LenDb summary of the lender page, verified 2026-10-16.

## Facts from the lender page and intro

- years_experience: since 1979. Source: https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz, verified 2026-10-16.
- years_experience: since 1998. Source: https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz, verified 2026-10-16.
- community: Church secretary/treasurer. Source: https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz, verified 2026-10-16.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: The Vinton County National Bank (NMLS 483350). Source: https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz, verified 2026-10-16.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/774677

## Contact

- View profile at The Vinton County National Bank: https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz
- Office phone on file: shown at https://lendb.ai/lo/sandy-wachenschwanz-774677#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/774677
- lender_site: https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Sandy-Wachenschwanz

Cite as: Sandy Wachenschwanz (NMLS 774677), The Vinton County National Bank. LenDb.ai, https://lendb.ai/lo/sandy-wachenschwanz-774677, last verified 2026-10-16.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._