---
canonical_url: https://lendb.ai/lo/nicole-waechter-1752336
json_url: https://lendb.ai/lo/nicole-waechter-1752336.json
nmls_id: 1752336
last_verified: 2026-10-16
---

# Nicole Waechter

Retail Banking Manager at Frandsen Bank & Trust, Grand Forks, ND. NMLS ID 1752336 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1752336)).

Nicole Waechter, NMLS 1752336, works as a Retail Banking Manager at Frandsen Bank & Trust in Grand Forks, North Dakota. Nicole's lender page shows a focus on HELOC and refinance.

**Summary:** Nicole Waechter (NMLS 1752336) is Retail Banking Manager at Frandsen Bank & Trust, based in Grand Forks, ND. 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: HELOC and Refinance. Frandsen Bank & Trust also offers New construction and Vacation home (a lender program, not confirmed as their own focus). States 10 years of experience. Last verified 2026-10-16.

## Quick answers

### Is Nicole licensed?

Nicole 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 Nicole do HELOCs?

Nicole's profile lists HELOC as a focus (from their lender profile page). It also lists refinance. Source: https://www.frandsenbank.com/professionals/nicole-waechter.

### What lender does Nicole work for?

Frandsen Bank & Trust, company NMLS 718070, from the Grand Forks, ND office, per the lender's own site (verified 2026-10-16). Source: https://www.frandsenbank.com/professionals/nicole-waechter.

### How much experience does Nicole have?

Nicole states 10 years of experience. Source: https://www.frandsenbank.com/professionals/nicole-waechter.

## 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): 10 (source: https://www.frandsenbank.com/professionals/nicole-waechter, 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)

- **HELOC** (`heloc`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://www.frandsenbank.com/professionals/nicole-waechter
- **Refinance** (`refinance`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://www.frandsenbank.com/professionals/nicole-waechter

### 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: 10. Source: https://www.frandsenbank.com/professionals/nicole-waechter, verified 2026-10-16.
- community: Advocate for community banking. Source: https://www.frandsenbank.com/professionals/nicole-waechter, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Frandsen Bank & Trust (NMLS 718070), Grand Forks, ND. Source: https://www.frandsenbank.com/professionals/nicole-waechter, 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/1752336

## Contact

- View profile at Frandsen Bank & Trust: https://www.frandsenbank.com/professionals/nicole-waechter
- Office phone on file: shown at https://lendb.ai/lo/nicole-waechter-1752336#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1752336
- lender_site: https://www.frandsenbank.com/professionals/nicole-waechter
- lender_site (lender programs): https://www.frandsenbank.com/

Cite as: Nicole Waechter (NMLS 1752336), Frandsen Bank & Trust. LenDb.ai, https://lendb.ai/lo/nicole-waechter-1752336, last verified 2026-10-16.

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