---
canonical_url: https://lendb.ai/lo/heather-surla-1643490
json_url: https://lendb.ai/lo/heather-surla-1643490.json
nmls_id: 1643490
last_verified: 2026-10-16
---

# Heather Surla

Mortgage Banking Officer at Frandsen Bank & Trust, Virginia, MN. NMLS ID 1643490 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1643490)).

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.

**Summary:** Heather Surla (NMLS 1643490) is Mortgage Banking Officer at Frandsen Bank & Trust, based in Virginia, 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: Vacation home and First-time buyer. Frandsen Bank & Trust also offers New construction (a lender program, not confirmed as their own focus). States 20 years of experience. Last verified 2026-10-16.

## 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: https://www.frandsenbank.com/professionals/heather-surla.

### 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: https://www.frandsenbank.com/professionals/heather-surla.

### How much experience does Heather have?

Heather states 20 years of experience. Source: https://www.frandsenbank.com/professionals/heather-surla.

## 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.
- Years experience (stated by the LO): 20 (source: https://www.frandsenbank.com/professionals/heather-surla, verified 2026-10-16)
- 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)

- **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://www.frandsenbank.com/professionals/heather-surla
- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://www.frandsenbank.com/professionals/heather-surla

### 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/

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.frandsenbank.com/professionals/heather-surla, verified 2026-10-16.
- credential: Award of Excellence. Source: https://www.frandsenbank.com/professionals/heather-surla, verified 2026-10-16.
- credential: Six Sigma Green Belt certification. Source: https://www.frandsenbank.com/professionals/heather-surla, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Frandsen Bank & Trust (NMLS 718070), Virginia, MN. Source: https://www.frandsenbank.com/professionals/heather-surla, 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/1643490

## Contact

- View profile at Frandsen Bank & Trust: https://www.frandsenbank.com/professionals/heather-surla
- Office phone on file: shown at https://lendb.ai/lo/heather-surla-1643490#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1643490
- lender_site: https://www.frandsenbank.com/professionals/heather-surla
- lender_site (lender programs): https://www.frandsenbank.com/

Cite as: Heather Surla (NMLS 1643490), Frandsen Bank & Trust. LenDb.ai, https://lendb.ai/lo/heather-surla-1643490, last verified 2026-10-16.

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