{
  "canonical_url": "https://lendb.ai/lo/erik-fossum-1169199",
  "lede": {
    "text": "Erik Fossum (NMLS 1169199) is a mortgage loan officer at Frandsen Bank & Trust in Pine City, Minnesota.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Erik licensed?",
      "a": "Erik 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 Erik work for?",
      "a": "Frandsen Bank & Trust, company NMLS 718070, from the Pine City, 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/erik-fossum",
      "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": 1169199,
    "slug": "erik-fossum-1169199",
    "canonical_url": "https://lendb.ai/lo/erik-fossum-1169199",
    "md_url": "https://lendb.ai/lo/erik-fossum-1169199.md",
    "json_url": "https://lendb.ai/lo/erik-fossum-1169199.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1169199",
    "full_name": {
      "value": "Erik Fossum",
      "source": "lender_site",
      "source_url": "https://www.frandsenbank.com/professionals/erik-fossum",
      "verified_at": "2026-10-16"
    },
    "first_name": "Erik",
    "last_name": "Fossum",
    "headshot_url": {
      "value": "https://www.frandsenbank.com/contentful/images/rk3hwr69vz0r/3tDdP16vAdgHYaUITkTo7M/a94217f2655f5fee7b69c757470d3fed/Erik_Fossum.png",
      "source": "lender_site",
      "source_url": "https://www.frandsenbank.com/professionals/erik-fossum",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Erik Fossum has worked in financial services since 2009 and in business and agricultural banking since 2015. Their profile lists business acquisition and expansion, business banking, commercial real estate and operating lines of credit as specialties.",
      "source": "lender_site",
      "source_url": "https://www.frandsenbank.com/professionals/erik-fossum",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Business/Ag Banking Officer",
      "source": "lender_site",
      "source_url": "https://www.frandsenbank.com/professionals/erik-fossum",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.frandsenbank.com/professionals/erik-fossum",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "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": "Pine City",
      "branch_state": "MN",
      "branch_zip": "55063",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.frandsenbank.com/professionals/erik-fossum",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.frandsenbank.com/professionals/erik-fossum",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 718070,
        "lender_name": "Frandsen Bank & Trust",
        "lender_slug": "frandsen-bank-trust-718070",
        "branch_city": "Pine City",
        "branch_state": "MN",
        "branch_zip": "55063",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.frandsenbank.com/professionals/erik-fossum",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.frandsenbank.com/professionals/erik-fossum",
        "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": "since 2009",
        "source": "lender_site",
        "source_url": "https://www.frandsenbank.com/professionals/erik-fossum",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 14:56:19.677936+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office"
      ],
      "reveal_url": "https://lendb.ai/lo/erik-fossum-1169199#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/erik-fossum",
      "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"
    }
  }
}