---
canonical_url: https://lendb.ai/lo/phil-lien-2223773
json_url: https://lendb.ai/lo/phil-lien-2223773.json
nmls_id: 2223773
last_verified: 2026-10-16
---

# Phil Lien

Mortgage Banking Officer at Frandsen Bank & Trust, Pine Island, MN. NMLS ID 2223773 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2223773)).

Based in Pine Island, Minnesota, Phil Lien (NMLS 2223773) is a Mortgage Banking Officer at Frandsen Bank & Trust.

**Summary:** Phil Lien (NMLS 2223773) is Mortgage Banking Officer at Frandsen Bank & Trust, based in Pine Island, 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). Last verified 2026-10-16.

## Quick answers

### Is Phil licensed?

Phil 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 Phil work for?

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

## 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.
- 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/

## Licenses

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

## Employment history

- ? to present: Frandsen Bank & Trust (NMLS 718070), Pine Island, MN. Source: https://www.frandsenbank.com/professionals/phil-lien, 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/2223773

## Contact

- View profile at Frandsen Bank & Trust: https://www.frandsenbank.com/professionals/phil-lien
- Office phone on file: shown at https://lendb.ai/lo/phil-lien-2223773#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2223773
- lender_site: https://www.frandsenbank.com/professionals/phil-lien
- lender_site (lender programs): https://www.frandsenbank.com/

Cite as: Phil Lien (NMLS 2223773), Frandsen Bank & Trust. LenDb.ai, https://lendb.ai/lo/phil-lien-2223773, last verified 2026-10-16.

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