---
canonical_url: https://lendb.ai/lo/breanna-johnson-2124423
json_url: https://lendb.ai/lo/breanna-johnson-2124423.json
nmls_id: 2124423
last_verified: 2026-10-16
---

# Breanna Johnson

Retail Banking Manager at Frandsen Bank & Trust, Duluth, MN. NMLS ID 2124423 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2124423)).

Breanna Johnson, NMLS 2124423, works as a Retail Banking Manager at Frandsen Bank & Trust in Duluth, Minnesota.

**Summary:** Breanna Johnson (NMLS 2124423) is Retail Banking Manager at Frandsen Bank & Trust, based in Duluth, MN. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Frandsen Bank & Trust also offers New construction and Vacation home (a lender program, not confirmed as their own focus). States 10 years of experience. Last verified 2026-10-16.

## Quick answers

### Is Breanna licensed?

Breanna 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.

### What lender does Breanna work for?

Frandsen Bank & Trust, company NMLS 718070, from the Duluth, MN office, per the lender's own site (verified 2026-10-16). Source: https://www.frandsenbank.com/professionals/breanna-johnson.

### How much experience does Breanna have?

Breanna states 10 years of experience. Source: https://www.frandsenbank.com/professionals/breanna-johnson.

## 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.
- Years experience (stated by the LO): 10 (source: https://www.frandsenbank.com/professionals/breanna-johnson, verified 2026-10-16)
- 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)

- None on file yet.

### Their lender offers (lender level: Frandsen Bank & Trust's programs, not confirmed as this person's focus)

- **New construction** (`new-construction`): verified 2026-10-16. Source: https://www.frandsenbank.com/
- **Vacation home** (`vacation-home`): verified 2026-10-16. Source: https://www.frandsenbank.com/

## About

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

## Facts from the lender page and intro

- years_experience: 10. Source: https://www.frandsenbank.com/professionals/breanna-johnson, verified 2026-10-16.
- role: Retail banking manager for Duluth and Hermantown. Source: https://www.frandsenbank.com/professionals/breanna-johnson, verified 2026-10-16.
- service_area: Duluth and Hermantown. Source: https://www.frandsenbank.com/professionals/breanna-johnson, verified 2026-10-16.
- community: Volunteers at Second Harvest Food Bank, packing food boxes for the past several years. Source: https://www.frandsenbank.com/professionals/breanna-johnson, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Frandsen Bank & Trust (NMLS 718070), Duluth, MN. Source: https://www.frandsenbank.com/professionals/breanna-johnson, 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/2124423

## Contact

- View profile at Frandsen Bank & Trust: https://www.frandsenbank.com/professionals/breanna-johnson
- Office phone on file: shown at https://lendb.ai/lo/breanna-johnson-2124423#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2124423
- lender_site: https://www.frandsenbank.com/professionals/breanna-johnson
- lender_site (lender programs): https://www.frandsenbank.com/

Cite as: Breanna Johnson (NMLS 2124423), Frandsen Bank & Trust. LenDb.ai, https://lendb.ai/lo/breanna-johnson-2124423, last verified 2026-10-16.

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