---
canonical_url: https://lendb.ai/lo/matt-zebro-925824
json_url: https://lendb.ai/lo/matt-zebro-925824.json
nmls_id: 925824
last_verified: 2026-10-16
---

# Matt Zebro

Senior Vice President, Business/Ag Banking Officer at Frandsen Bank & Trust, Mankato, MN. NMLS ID 925824 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/925824)).

Based in Mankato, Minnesota, Matt Zebro (NMLS 925824) is a mortgage loan officer at Frandsen Bank & Trust.

**Summary:** Matt Zebro (NMLS 925824) is Senior Vice President, Business/Ag Banking Officer at Frandsen Bank & Trust, based in Mankato, 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). States 27 years of experience. Last verified 2026-10-16.

## Quick answers

### Is Matt licensed?

Matt 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 Matt work for?

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

### How much experience does Matt have?

Matt states 27 years of experience. Source: https://www.frandsenbank.com/professionals/matthew-zebro.

## 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): 27 (source: https://www.frandsenbank.com/professionals/matthew-zebro, 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)

- 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/

## Facts from the lender page and intro

- years_experience: 27. Source: https://www.frandsenbank.com/professionals/matthew-zebro, verified 2026-10-16.
- community: President of the BENCO Electric Cooperative Operation Round Up Trust Board. Source: https://www.frandsenbank.com/professionals/matthew-zebro, verified 2026-10-16.
- community: Member of the Greater Mankato Growth Cavaliers. Source: https://www.frandsenbank.com/professionals/matthew-zebro, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Frandsen Bank & Trust (NMLS 718070), Mankato, MN. Source: https://www.frandsenbank.com/professionals/matthew-zebro, 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/925824

## Contact

- View profile at Frandsen Bank & Trust: https://www.frandsenbank.com/professionals/matthew-zebro
- Office phone on file: shown at https://lendb.ai/lo/matt-zebro-925824#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/925824
- lender_site: https://www.frandsenbank.com/professionals/matthew-zebro
- lender_site (lender programs): https://www.frandsenbank.com/

Cite as: Matt Zebro (NMLS 925824), Frandsen Bank & Trust. LenDb.ai, https://lendb.ai/lo/matt-zebro-925824, last verified 2026-10-16.

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