---
canonical_url: https://lendb.ai/lo/erik-fossum-1169199
json_url: https://lendb.ai/lo/erik-fossum-1169199.json
nmls_id: 1169199
last_verified: 2026-10-16
---

# Erik Fossum

Business/Ag Banking Officer at Frandsen Bank & Trust, Pine City, MN. NMLS ID 1169199 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1169199)).

Erik Fossum (NMLS 1169199) is a mortgage loan officer at Frandsen Bank & Trust in Pine City, Minnesota.

**Summary:** Erik Fossum (NMLS 1169199) is Business/Ag Banking Officer at Frandsen Bank & Trust, based in Pine City, 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). Last verified 2026-10-16.

## Quick answers

### Is Erik licensed?

Erik 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 Erik work for?

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

## 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)

- 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

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

## Facts from the lender page and intro

- years_experience: since 2009. Source: https://www.frandsenbank.com/professionals/erik-fossum, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Frandsen Bank & Trust (NMLS 718070), Pine City, MN. Source: https://www.frandsenbank.com/professionals/erik-fossum, 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/1169199

## Contact

- View profile at Frandsen Bank & Trust: https://www.frandsenbank.com/professionals/erik-fossum
- Office phone on file: shown at https://lendb.ai/lo/erik-fossum-1169199#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1169199
- lender_site: https://www.frandsenbank.com/professionals/erik-fossum
- lender_site (lender programs): https://www.frandsenbank.com/

Cite as: Erik Fossum (NMLS 1169199), Frandsen Bank & Trust. LenDb.ai, https://lendb.ai/lo/erik-fossum-1169199, last verified 2026-10-16.

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