--- canonical_url: https://lendb.ai/lo/sarah-kinkeade-280861 json_url: https://lendb.ai/lo/sarah-kinkeade-280861.json nmls_id: 280861 last_verified: 2026-10-16 --- # Sarah Kinkeade Bank President at Frandsen Bank & Trust, Baxter, MN. NMLS ID 280861 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/280861)). Sarah Kinkeade, NMLS 280861, works as a Bank President at Frandsen Bank & Trust in Baxter, Minnesota. **Summary:** Sarah Kinkeade (NMLS 280861) is Bank President at Frandsen Bank & Trust, based in Baxter, 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). Earliest state license record: February 15, 2011 (Wisconsin), per state regulator. States 20 years of experience. Last verified 2026-10-16. ## Quick answers ### Is Sarah licensed? Sarah 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 Sarah work for? Frandsen Bank & Trust, company NMLS 718070, from the Baxter, MN office, per the lender's own site (verified 2026-10-16). Source: https://www.frandsenbank.com/professionals/sarah-kinkeade. ### How long has Sarah been licensed? The earliest state license record LenDb holds for Sarah is from February 15, 2011 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Sarah states 20 years of experience. Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/. ## At a glance - Earliest state license record: February 15, 2011 (Wisconsin), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 20 (source: https://www.frandsenbank.com/professionals/sarah-kinkeade, 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) - 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/ ## Facts from the lender page and intro - years_experience: 20. Source: https://www.frandsenbank.com/professionals/sarah-kinkeade, verified 2026-10-16. - service_area: Baxter and Crosslake markets. Source: https://www.frandsenbank.com/professionals/sarah-kinkeade, verified 2026-10-16. - community: board member, Bridges of Hope and Christian Investors Financial. Source: https://www.frandsenbank.com/professionals/sarah-kinkeade, verified 2026-10-16. - other: instructor in Concordia University Saint Paul MBA program. Source: https://www.frandsenbank.com/professionals/sarah-kinkeade, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | WI | Wisconsin regulator | state_license | 280861 | expired | confirmed | 2011-02-15 | state_regulator | 2026-10-21 | ## Employment history - ? to present: Frandsen Bank & Trust (NMLS 718070), Baxter, MN. Source: https://www.frandsenbank.com/professionals/sarah-kinkeade, 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/280861 ## Contact - View profile at Frandsen Bank & Trust: https://www.frandsenbank.com/professionals/sarah-kinkeade - Office phone on file: shown at https://lendb.ai/lo/sarah-kinkeade-280861#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/280861 - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - lender_site: https://www.frandsenbank.com/professionals/sarah-kinkeade - lender_site (lender programs): https://www.frandsenbank.com/ Cite as: Sarah Kinkeade (NMLS 280861), Frandsen Bank & Trust. LenDb.ai, https://lendb.ai/lo/sarah-kinkeade-280861, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._