Carter Karppinen
Mortgage Banker at Frandsen Bank & Trust · Cloquet, MN
NMLS ID 2472688 (opens in a new tab) · verify at NMLS Consumer Access
Carter Karppinen, NMLS 2472688, works as a Mortgage Banker at Frandsen Bank & Trust in Cloquet, Minnesota.
Last verified . Sources: Frandsen Bank & Trust (frandsenbank.com) and NMLS Consumer Access (license status, check live).
- Likely federally registered
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Carter licensed?
- Carter 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 Carter work for?
- Frandsen Bank & Trust, company NMLS 718070, from the Cloquet, MN office, per the lender's own site (verified 2026-10-16).
- Source: lender site (opens in a new tab)
Specialties
Focus
No focus listed on their lender page yet.
Their lender offers
New construction and Vacation home. Programs Frandsen Bank & Trust offers (verified 2026-10-16). Lender-level: not confirmed as Carter's own focus, so ask.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
No license list on file yet. Check NMLS Consumer Access (opens in a new tab) for every state this person is licensed in.
Likely federally registered: works at a bank. Federally registered MLOs aren't state-licensed; verify at NMLS (NMLS Consumer Access (opens in a new tab)).
Contact
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Employment history
Frandsen Bank & Trust NMLS 718070
Current · Cloquet, MN · seen on lender site 2026-10-16
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Sources
| Name and employer | lender site · frandsenbank.com (opens in a new tab) | verified 2026-10-16 |
| Lender programs | lender site · frandsenbank.com (opens in a new tab) | verified 2026-10-16 |
| Contact | lender site · frandsenbank.com (opens in a new tab) | verified 2026-10-16 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Carter Karppinen (NMLS 2472688), Frandsen Bank & Trust. LenDb.ai, https://lendb.ai/lo/carter-karppinen-2472688, last verified 2026-10-16.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.