---
canonical_url: https://lendb.ai/lo/pam-habinger-1377353
json_url: https://lendb.ai/lo/pam-habinger-1377353.json
nmls_id: 1377353
last_verified: 2026-10-16
---

# Pam Habinger

Vice President, Retail Banking Manager at Frandsen Bank & Trust, North Mankato, MN. NMLS ID 1377353 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1377353)).

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.

**Summary:** Pam Habinger (NMLS 1377353) is Vice President, Retail Banking Manager at Frandsen Bank & Trust, based in North Mankato, 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: HELOC. Frandsen Bank & Trust also offers New construction and Vacation home (a lender program, not confirmed as their own focus). States 30 years of experience. Last verified 2026-10-16.

## 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: https://www.frandsenbank.com/professionals/pam-habinger.

### 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: https://www.frandsenbank.com/professionals/pam-habinger.

### How much experience does Pam have?

Pam states 30 years of experience. Source: https://www.frandsenbank.com/professionals/pam-habinger.

## 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): 30 (source: https://www.frandsenbank.com/professionals/pam-habinger, 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 0.70, verified 2026-10-26. Source: https://www.frandsenbank.com/professionals/pam-habinger

### 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: 30. Source: https://www.frandsenbank.com/professionals/pam-habinger, verified 2026-10-16.
- years_experience: 26. Source: https://www.frandsenbank.com/professionals/pam-habinger, verified 2026-10-16.
- years_experience: 25. Source: https://www.frandsenbank.com/professionals/pam-habinger, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Frandsen Bank & Trust (NMLS 718070), North Mankato, MN. Source: https://www.frandsenbank.com/professionals/pam-habinger, 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/1377353

## Contact

- View profile at Frandsen Bank & Trust: https://www.frandsenbank.com/professionals/pam-habinger
- Office phone on file: shown at https://lendb.ai/lo/pam-habinger-1377353#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1377353
- lender_site: https://www.frandsenbank.com/professionals/pam-habinger
- lender_site (lender programs): https://www.frandsenbank.com/

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

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