{
  "canonical_url": "https://lendb.ai/lo/patrick-froemming-285520",
  "loan_officer": {
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    "canonical_url": "https://lendb.ai/lo/patrick-froemming-285520",
    "md_url": "https://lendb.ai/lo/patrick-froemming-285520.md",
    "json_url": "https://lendb.ai/lo/patrick-froemming-285520.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/285520",
    "full_name": {
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      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/patrick-froemming/",
      "verified_at": "2026-10-26"
    },
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    "headshot_url": {
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      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/patrick-froemming/",
      "verified_at": "2026-10-26"
    },
    "bio": {
      "value": "Patrick Froemming has been in the financial services industry since 2001. They list VA, USDA, WHEDA and jumbo loans among their areas of knowledge.",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/patrick-froemming/",
      "verified_at": "2026-10-26"
    },
    "title": {
      "value": "Mortgage Lender",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/patrick-froemming/",
      "verified_at": "2026-10-26"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/patrick-froemming/",
      "verified_at": "2026-10-26"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
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      "lender_slug": "bank-five-nine-410817",
      "branch_city": "Hartland",
      "branch_state": "WI",
      "branch_zip": "53029",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.bankfivenine.com/banker/mortgage-lenders/patrick-froemming/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/patrick-froemming/",
      "verified_at": "2026-10-26"
    },
    "employment_history": [
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        "branch_zip": "53029",
        "start_date": null,
        "end_date": null,
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        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/patrick-froemming/",
        "verified_at": "2026-10-26"
      }
    ],
    "licenses": [
      {
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        "license_type": "state_license",
        "license_number": "285520",
        "status": "expired",
        "issued_at": "2023-05-09",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      }
    ],
    "specialties": [
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "basis": "bio_focus",
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/patrick-froemming/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "basis": "bio_focus",
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/patrick-froemming/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "basis": "bio_focus",
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/patrick-froemming/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
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        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/patrick-froemming/",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "credential",
        "value": "Five Star Mortgage Professional",
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/patrick-froemming/",
        "verified_at": "2026-10-26"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 12:57:09.270726+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/patrick-froemming-285520#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.bankfivenine.com/banker/mortgage-lenders/patrick-froemming/",
      "verified_at": "2026-10-26"
    },
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    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}