{
  "canonical_url": "https://lendb.ai/lo/breanna-johnson-2124423",
  "lede": {
    "text": "Breanna Johnson, NMLS 2124423, works as a Retail Banking Manager at Frandsen Bank & Trust in Duluth, Minnesota.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Breanna licensed?",
      "a": "Breanna 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": "What lender does Breanna work for?",
      "a": "Frandsen Bank & Trust, company NMLS 718070, from the Duluth, MN office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.frandsenbank.com/professionals/breanna-johnson",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How much experience does Breanna have?",
      "a": "Breanna states 10 years of experience.",
      "fields": [
        "years_experience"
      ],
      "source": "the loan officer's own statement",
      "source_url": "https://www.frandsenbank.com/professionals/breanna-johnson",
      "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": 2124423,
    "slug": "breanna-johnson-2124423",
    "canonical_url": "https://lendb.ai/lo/breanna-johnson-2124423",
    "md_url": "https://lendb.ai/lo/breanna-johnson-2124423.md",
    "json_url": "https://lendb.ai/lo/breanna-johnson-2124423.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2124423",
    "full_name": {
      "value": "Breanna Johnson",
      "source": "lender_site",
      "source_url": "https://www.frandsenbank.com/professionals/breanna-johnson",
      "verified_at": "2026-10-16"
    },
    "first_name": "Breanna",
    "last_name": "Johnson",
    "headshot_url": {
      "value": "https://www.frandsenbank.com/contentful/images/rk3hwr69vz0r/5DAA35Jf7XmpWoYYUpKGDB/ed462051a34057734c647c54acb442e4/Breanna_Johnson.jpg",
      "source": "lender_site",
      "source_url": "https://www.frandsenbank.com/professionals/breanna-johnson",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Breanna Johnson is a Retail Banking Manager in Duluth, MN. They have more than 10 years in the banking industry and serve as retail banking manager for Duluth and Hermantown. They say they specialize in processing personal loans, including home equity lines of credit and auto loans.",
      "source": "lender_site",
      "source_url": "https://www.frandsenbank.com/professionals/breanna-johnson",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Retail Banking Manager",
      "source": "lender_site",
      "source_url": "https://www.frandsenbank.com/professionals/breanna-johnson",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.frandsenbank.com/professionals/breanna-johnson",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 10,
      "source": "lender_site",
      "source_url": "https://www.frandsenbank.com/professionals/breanna-johnson",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 718070,
      "lender_name": "Frandsen Bank & Trust",
      "lender_slug": "frandsen-bank-trust-718070",
      "branch_city": "Duluth",
      "branch_state": "MN",
      "branch_zip": "55802",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.frandsenbank.com/professionals/breanna-johnson",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.frandsenbank.com/professionals/breanna-johnson",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 718070,
        "lender_name": "Frandsen Bank & Trust",
        "lender_slug": "frandsen-bank-trust-718070",
        "branch_city": "Duluth",
        "branch_state": "MN",
        "branch_zip": "55802",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.frandsenbank.com/professionals/breanna-johnson",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.frandsenbank.com/professionals/breanna-johnson",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [],
    "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": "10",
        "source": "lender_site",
        "source_url": "https://www.frandsenbank.com/professionals/breanna-johnson",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "role",
        "value": "Retail banking manager for Duluth and Hermantown",
        "source": "lender_site",
        "source_url": "https://www.frandsenbank.com/professionals/breanna-johnson",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "service_area",
        "value": "Duluth and Hermantown",
        "source": "lender_site",
        "source_url": "https://www.frandsenbank.com/professionals/breanna-johnson",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Volunteers at Second Harvest Food Bank, packing food boxes for the past several years",
        "source": "lender_site",
        "source_url": "https://www.frandsenbank.com/professionals/breanna-johnson",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 14:56:50.139223+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office"
      ],
      "reveal_url": "https://lendb.ai/lo/breanna-johnson-2124423#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/breanna-johnson",
      "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"
    }
  }
}