Pam Habinger

Vice President, Retail Banking Manager at Frandsen Bank & Trust · North Mankato, MN

NMLS ID 1377353 (opens in a new tab) · verify at NMLS Consumer Access

Based in North Mankato, Minnesota, Pam Habinger (NMLS 1377353) is a mortgage loan officer at Frandsen Bank & Trust. Pam's focus, from their own profile, includes HELOC.

Last verified 2026-10-16. Sources: Frandsen Bank & Trust (frandsenbank.com) and NMLS Consumer Access (license status, check live).

30 years experience (stated)
Likely federally registered
Unclaimed profile
Disciplinary history not yet checked

Quick answers

Is Pam licensed?: Pam 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 Pam do HELOCs?: Pam's profile lists HELOC as a focus (from their lender profile page).; Source: lender page (opens in a new tab)
What lender does Pam work for?: Frandsen Bank & Trust, company NMLS 718070, from the North Mankato, MN office, per the lender's own site (verified 2026-10-16).; Source: lender site (opens in a new tab)
How much experience does Pam have?: Pam states 30 years of experience.; Source: the loan officer's own statement (opens in a new tab)

Specialties

Focus

Focus: HELOC(from their lender profile page)

Where we saw these: frandsenbank.com (opens in a new tab)

Their lender offers

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

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: Pam Habinger (NMLS 1377353), Frandsen Bank & Trust. LenDb.ai, https://lendb.ai/lo/pam-habinger-1377353, last verified 2026-10-16.

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