---
canonical_url: https://lendb.ai/lo/wendy-smith-1155006
json_url: https://lendb.ai/lo/wendy-smith-1155006.json
nmls_id: 1155006
last_verified: 2026-10-09
---

# Wendy Smith

Senior Loan Officer at Embrace Home Loans, Delmar, DE. NMLS ID 1155006 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1155006)).

**Summary:** Wendy Smith (NMLS 1155006) is Senior Loan Officer at Embrace Home Loans, based in Delmar, DE. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists Delaware, Maryland and Virginia on the lender page (not yet checked with the state regulator). Licensed since 2024 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2024 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Pennsylvania (PA, confirmed), Delaware (DE, lender_reported), Maryland (MD, lender_reported), Virginia (VA, lender_reported)
- 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
- Profile: unclaimed
- Status: active

## Specialties


## About

Wendy brings over 8 years of mortgage experience from a wholesale mortgage lender background. Originally from Maryland with Bachelor's and Master's degrees in Social Work, she understands each borrower's unique situation and specializes in programs supporting community heroes.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 8+. Source: https://www.embracehomeloans.com/location/delaware/delmar/wendy-smith, verified 2026-10-09.
- role: prior account executive for wholesale mortgage lender. Source: https://www.embracehomeloans.com/location/delaware/delmar/wendy-smith, verified 2026-10-09.
- education: Bachelor's and Master's degrees in Social Work. Source: https://www.embracehomeloans.com/location/delaware/delmar/wendy-smith, verified 2026-10-09.
- community: member of Women's Realtor Council and Sussex County Association of Realtors. Source: https://www.embracehomeloans.com/location/delaware/delmar/wendy-smith, verified 2026-10-09.
- community: partnered with Heroes Home Advantage program supporting police, firefighters, medical professionals, teachers, and military. Source: https://www.embracehomeloans.com/location/delaware/delmar/wendy-smith, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO129569 | active | confirmed | 2024-06-19 | state_regulator | 2026-10-09 |
| PA | state_license | 111379 | active | confirmed |  | state_regulator | 2026-10-10 |
| DE | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Embrace Home Loans (NMLS 2184), Delmar, DE. Source: https://www.embracehomeloans.com/location/delaware/delmar/wendy-smith, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1155006

## Contact

- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/delaware/delmar/wendy-smith
- Office phone and Email on file: shown at https://lendb.ai/lo/wendy-smith-1155006#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1155006
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://www.embracehomeloans.com/location/delaware/delmar/wendy-smith

Cite as: Wendy Smith (NMLS 1155006), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/wendy-smith-1155006, last verified 2026-10-09.

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