Cheri Pagnac
Vice President at Frandsen Bank & Trust · Warren, MN
NMLS ID 769595 (opens in a new tab) · verify at NMLS Consumer Access
Based in Warren, Minnesota, Cheri Pagnac (NMLS 769595) is a Vice President at Frandsen Bank & Trust. Cheri's focus, from their own profile, includes new construction and refinance.
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 Cheri licensed?
- Cheri 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
- Does Cheri work on new construction loans?
- Cheri's profile lists new construction as a focus (from their own specialty list). It also lists refinance.
- Source: lender page (opens in a new tab)
- What lender does Cheri work for?
- Frandsen Bank & Trust, company NMLS 718070, from the Warren, MN office, per the lender's own site (verified 2026-10-16).
- Source: lender site (opens in a new tab)
Specialties
Focus
- Focus: New construction(from their own specialty list)
- Focus: Refinance(from their own specialty list)
Where we saw these: frandsenbank.com (opens in a new tab)
Their lender offers
Vacation home. Programs Frandsen Bank & Trust offers (verified 2026-10-16). Lender-level: not confirmed as Cheri'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 · Warren, 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
- Education
- Degree in finance with a minor in math, Minnesota State University Moorhead
- Source (opens in a new tab), verified 2026-10-16
Sources
| Name and employer | lender site · frandsenbank.com (opens in a new tab) | verified 2026-10-16 |
| Specialties | lender site · frandsenbank.com (opens in a new tab) | verified 2026-10-26 |
| 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 |
| Photo | 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: Cheri Pagnac (NMLS 769595), Frandsen Bank & Trust. LenDb.ai, https://lendb.ai/lo/cheri-pagnac-769595, last verified 2026-10-16.
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