{
  "canonical_url": "https://lendb.ai/lo/kaitlin-girten-2789437",
  "loan_officer": {
    "nmls_id": 2789437,
    "slug": "kaitlin-girten-2789437",
    "canonical_url": "https://lendb.ai/lo/kaitlin-girten-2789437",
    "md_url": "https://lendb.ai/lo/kaitlin-girten-2789437.md",
    "json_url": "https://lendb.ai/lo/kaitlin-girten-2789437.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2789437",
    "full_name": {
      "value": "Kaitlin Girten",
      "source": "lender_site",
      "source_url": "https://www.frandsenbank.com/professionals/kaitlin-girten",
      "verified_at": "2026-10-16"
    },
    "first_name": "Kaitlin",
    "last_name": "Girten",
    "headshot_url": {
      "value": "https://www.frandsenbank.com/contentful/images/rk3hwr69vz0r/41FVocx8RFcmtRqYYqajz3/3d5e10f51bac40c38fe0861e6a463b16/Kaitlin_Girten.png",
      "source": "lender_site",
      "source_url": "https://www.frandsenbank.com/professionals/kaitlin-girten",
      "verified_at": "2026-10-16"
    },
    "bio": null,
    "title": {
      "value": "Retail Banking Manager",
      "source": "lender_site",
      "source_url": "https://www.frandsenbank.com/professionals/kaitlin-girten",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.frandsenbank.com/professionals/kaitlin-girten",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 718070,
      "lender_name": "Frandsen Bank & Trust",
      "lender_slug": "frandsen-bank-trust-718070",
      "branch_city": "Rosemount",
      "branch_state": "MN",
      "branch_zip": "55068",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.frandsenbank.com/professionals/kaitlin-girten",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.frandsenbank.com/professionals/kaitlin-girten",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 718070,
        "lender_name": "Frandsen Bank & Trust",
        "lender_slug": "frandsen-bank-trust-718070",
        "branch_city": "Rosemount",
        "branch_state": "MN",
        "branch_zip": "55068",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.frandsenbank.com/professionals/kaitlin-girten",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.frandsenbank.com/professionals/kaitlin-girten",
        "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.frandsenbank.com/professionals/kaitlin-girten",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [
      {
        "slug": "new-construction",
        "label": "New construction",
        "lender_nmls_id": 718070,
        "lender_name": "Frandsen Bank & Trust",
        "source": "lender_site",
        "source_url": "https://www.frandsenbank.com/",
        "verified_at": "2026-10-16"
      },
      {
        "slug": "vacation-home",
        "label": "Vacation home",
        "lender_nmls_id": 718070,
        "lender_name": "Frandsen Bank & Trust",
        "source": "lender_site",
        "source_url": "https://www.frandsenbank.com/",
        "verified_at": "2026-10-16"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "4 years with Frandsen Bank & Trust",
        "source": "lender_site",
        "source_url": "https://www.frandsenbank.com/professionals/kaitlin-girten",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "education",
        "value": "Degree in Human Resources in Business, Inver Hills Community College",
        "source": "lender_site",
        "source_url": "https://www.frandsenbank.com/professionals/kaitlin-girten",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "Human Resource Management Certificate",
        "source": "lender_site",
        "source_url": "https://www.frandsenbank.com/professionals/kaitlin-girten",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 14:50:51.816033+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office"
      ],
      "reveal_url": "https://lendb.ai/lo/kaitlin-girten-2789437#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.frandsenbank.com/professionals/kaitlin-girten",
      "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"
    }
  }
}