Frandsen Bank & Trust

Local community banking for Physicians; as your mortgage lender with Frandsen Bank & Trust, we pride ourselves on superior service from application until your final payment and beyond. Our expertise is mortgage lending anywhere in Minnesota and Wisconsin; where our offices are located, areas we know and can best service our borrowers. As a community banker, we genuinely understand every situation is unique, deserving special attention. Frandsen Bank & Trust gives me the ability to customize our offerings to buy, build, remodel or refinance your home to fit your unique situation and goals. We know local lending with offices in over 35 communities across Minnesota and Wisconsin. We are committed to gathering all information while giving every available financing option to my customers to help achieve their financial goals and dream of home ownership.

Frandsen Bank offers financing options for primary homes, second homes, and investment properties. We are here to answer all your questions and create specific scenarios to fit your needs. With our ability to hold/service your loan, we are your primary contact from application through your final loan payment. Get approved today, so you are ready to buy next week, next month, or next year!

Loan Officers

Brandon Reinarts (NMLS #769600)
EMAIL:  [email protected]
PHONE:  507-353-7427


0%-10% down options up to $2 million. 720 minimum credit score, No employment start date restrictions. Student loans excluded from debt ratios. ARM loans to 15/3. No mortgage insurance. No prepayment penalties. All terms flexible and customizable with exception approval.


MD, DO, DDS, DMD, PA, NP, DVM, CRNA, OD, DPM, Pharmacist


Personalized and customized approval process that works with your specific scenario and goals as a relationship lender beyond just a transaction.  Our approval is quick and smooth with flexible underwriting guidelines for all Physician/Doctor Loan parameters; decisions come out of the my office.  Frandsen Bank holds/services almost all our loan options; I am your contact from time of application and will be your primary contact for the life of your loan.  Local community bank lending only in MN/WI where we can best service our borrowers in the areas we know. Fully executed contract financing and 1099/self-employment financing.


Member FDIC – Equal Housing Lender