Kathy Kadlec, photo from Frandsen Bank & Trust

Kathy Kadlec

Vice President, Mortgage Banking Officer at Frandsen Bank & Trust · Hayward, WI

NMLS ID 712117 (opens in a new tab) · verify at NMLS Consumer Access

Kathy Kadlec, NMLS 712117, works as a mortgage loan officer at Frandsen Bank & Trust in Hayward, Wisconsin.

Last verified . Sources: Frandsen Bank & Trust (frandsenbank.com) and NMLS Consumer Access (license status, check live).

Quick answers

Is Kathy licensed?
Kathy 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 Kathy work for?
Frandsen Bank & Trust, company NMLS 718070, from the Hayward, WI office, per the lender's own site (verified 2026-10-16).
Source: lender site (opens in a new tab)
How much experience does Kathy have?
Kathy states 20 years of experience.
Source: the loan officer's own statement (opens in a new tab)

Specialties

Focus

No focus listed on their lender page yet.

    Their lender offers

    New construction and Vacation home. Programs Frandsen Bank & Trust offers (verified 2026-10-16). Lender-level: not confirmed as Kathy'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

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    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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    Visit Kathy's page (opens in a new tab)

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    Employment history

    1. Frandsen Bank & Trust NMLS 718070

      Current · Hayward, WI · 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).

    Sources

    Name and employerlender site · frandsenbank.com (opens in a new tab)verified 2026-10-16
    Lender programslender site · frandsenbank.com (opens in a new tab)verified 2026-10-16
    Contactlender site · frandsenbank.com (opens in a new tab)verified 2026-10-16
    Photolender site · frandsenbank.com (opens in a new tab)verified 2026-10-16
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Kathy Kadlec (NMLS 712117), Frandsen Bank & Trust. LenDb.ai, https://lendb.ai/lo/kathy-kadlec-712117, last verified 2026-10-16.

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