Heather Surla
Mortgage Banking Officer at Frandsen Bank & Trust · Virginia, MN
NMLS ID 1643490 (opens in a new tab) · verify at NMLS Consumer Access
Heather Surla, NMLS 1643490, works as a Mortgage Banking Officer at Frandsen Bank & Trust in Virginia, Minnesota. Heather's lender page shows a focus on vacation home and first-time buyer.
Last verified . Sources: Frandsen Bank & Trust (frandsenbank.com) and NMLS Consumer Access (license status, check live).
- 20 years experience (stated)
- Likely federally registered
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Heather licensed?
- Heather 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 Heather work on vacation home loans?
- Heather's profile lists vacation home as a focus (from their lender profile page). It also lists first-time buyer.
- Source: lender page (opens in a new tab)
- What lender does Heather work for?
- Frandsen Bank & Trust, company NMLS 718070, from the Virginia, MN office, per the lender's own site (verified 2026-10-16).
- Source: lender site (opens in a new tab)
- How much experience does Heather have?
- Heather states 20 years of experience.
- Source: the loan officer's own statement (opens in a new tab)
Specialties
Focus
- Focus: Vacation home(from their lender profile page)
- Focus: First-time buyer(from their lender profile page)
Where we saw these: frandsenbank.com (opens in a new tab)
Their lender offers
New construction. Programs Frandsen Bank & Trust offers (verified 2026-10-16). Lender-level: not confirmed as Heather'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 · Virginia, 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 |
| 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: Heather Surla (NMLS 1643490), Frandsen Bank & Trust. LenDb.ai, https://lendb.ai/lo/heather-surla-1643490, last verified 2026-10-16.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.