---
canonical_url: https://lendb.ai/lo/sara-fette-2776249
json_url: https://lendb.ai/lo/sara-fette-2776249.json
nmls_id: 2776249
last_verified: 2026-10-16
---

# Sara Fette

Mortgage Banker at Frandsen Bank & Trust, North Mankato, MN. NMLS ID 2776249 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2776249)).

Sara Fette (NMLS 2776249) is a Mortgage Banker at Frandsen Bank & Trust in North Mankato, Minnesota. Sara's own profile lists first-time buyer and new construction as a focus.

**Summary:** Sara Fette (NMLS 2776249) is Mortgage Banker 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: First-time buyer and New construction. Frandsen Bank & Trust also offers Vacation home (a lender program, not confirmed as their own focus). States 25 years of experience. Last verified 2026-10-16.

## Quick answers

### Is Sara licensed?

Sara 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 Sara list first-time buyer as a focus?

Sara's profile lists first-time buyer as a focus (from their lender profile page). It also lists new construction. Source: https://www.frandsenbank.com/professionals/sara-fette.

### What lender does Sara 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/sara-fette.

### How much experience does Sara have?

Sara states 25 years of experience. Source: https://www.frandsenbank.com/professionals/sara-fette.

## 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): 25 (source: https://www.frandsenbank.com/professionals/sara-fette, 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)

- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://www.frandsenbank.com/professionals/sara-fette
- **New construction** (`new-construction`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://www.frandsenbank.com/professionals/sara-fette

### Their lender offers (lender level: Frandsen Bank & Trust's programs, not confirmed as this person's focus)

- **Vacation home** (`vacation-home`): verified 2026-10-16. Source: https://www.frandsenbank.com/

## Facts from the lender page and intro

- years_experience: 25. Source: https://www.frandsenbank.com/professionals/sara-fette, verified 2026-10-16.
- role: Former sales representative in the promotional products industry. Source: https://www.frandsenbank.com/professionals/sara-fette, 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/sara-fette, 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/2776249

## Contact

- View profile at Frandsen Bank & Trust: https://www.frandsenbank.com/professionals/sara-fette
- Office phone on file: shown at https://lendb.ai/lo/sara-fette-2776249#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2776249
- lender_site: https://www.frandsenbank.com/professionals/sara-fette
- lender_site (lender programs): https://www.frandsenbank.com/

Cite as: Sara Fette (NMLS 2776249), Frandsen Bank & Trust. LenDb.ai, https://lendb.ai/lo/sara-fette-2776249, last verified 2026-10-16.

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