---
canonical_url: https://lendb.ai/lo/cheri-pagnac-769595
json_url: https://lendb.ai/lo/cheri-pagnac-769595.json
nmls_id: 769595
last_verified: 2026-10-16
---

# Cheri Pagnac

Vice President at Frandsen Bank & Trust, Warren, MN. NMLS ID 769595 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/769595)).

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.

**Summary:** Cheri Pagnac (NMLS 769595) is Vice President at Frandsen Bank & Trust, based in Warren, MN. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: New construction and Refinance. Frandsen Bank & Trust also offers Vacation home (a lender program, not confirmed as their own focus). Last verified 2026-10-16.

## 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: https://www.frandsenbank.com/professionals/cheri-pagnac-fbt.

### 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: https://www.frandsenbank.com/professionals/cheri-pagnac-fbt.

## 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.
- 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)

- **New construction** (`new-construction`): from their own specialty list (lender page), confidence 0.60, verified 2026-10-26. Source: https://www.frandsenbank.com/professionals/cheri-pagnac-fbt
- **Refinance** (`refinance`): from their own specialty list (lender page), confidence 0.60, verified 2026-10-26. Source: https://www.frandsenbank.com/professionals/cheri-pagnac-fbt

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

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

## Facts from the lender page and intro

- years_experience: since 2000. Source: https://www.frandsenbank.com/professionals/cheri-pagnac-fbt, verified 2026-10-16.
- other: 25 years with Frandsen. Source: https://www.frandsenbank.com/professionals/cheri-pagnac-fbt, verified 2026-10-16.
- education: Degree in finance with a minor in math, Minnesota State University Moorhead. Source: https://www.frandsenbank.com/professionals/cheri-pagnac-fbt, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Frandsen Bank & Trust (NMLS 718070), Warren, MN. Source: https://www.frandsenbank.com/professionals/cheri-pagnac-fbt, 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/769595

## Contact

- View profile at Frandsen Bank & Trust: https://www.frandsenbank.com/professionals/cheri-pagnac-fbt
- Office phone on file: shown at https://lendb.ai/lo/cheri-pagnac-769595#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/769595
- lender_site: https://www.frandsenbank.com/professionals/cheri-pagnac-fbt
- lender_site (lender programs): https://www.frandsenbank.com/

Cite as: Cheri Pagnac (NMLS 769595), Frandsen Bank & Trust. LenDb.ai, https://lendb.ai/lo/cheri-pagnac-769595, last verified 2026-10-16.

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