My Account & eStatement Access

Return to the home page to access my account

My Account & eStatement Access

Credit Card Login Button
Business Remote Deposit Capture Login Button

Loans and Mortgages to Attain Your Dreams

With loans and mortgages from Frandsen Bank & Trust, you have financing options for all kinds of goals. Maybe it’s your dream home, cabin, investment property or that long-awaited remodeling project. Maybe it’s a car, vacation or boat. Or maybe it’s simply an unexpected expense.

Products You Need: Our mortgages and personal loans are as varied as your individual needs.

Services You Expect: Get great rates, flexible terms and fast responses.

Convenience You Deserve: Check your accounts in person, by phone or online – and choose easy automatic payments.

Installment Loans - Inquire Now 

Finance a wide range of personal needs. We’ll work with you to design an installment loan program that fits your financing needs.

  • Various loan purposes:
    • Automobile and truck
    • Boat, snowmobile and ATV
    • Recreational vehicle
    • Vacation
  • Competitive rates and flexible terms
  • Automatic payments
  • Online banking access to loan information

Home Equity Loans and Lines of Credit - Inquire Now 

Take advantage of the hard-earned equity you have built up in your home. It’s an attractive tax shelter and source of funds for nearly any purchase. A home equity loan is a one-time advance with a variety of repayment options. Consult your tax advisor to learn specific requirements for your individual financial situation.

  • Competitive annual percentage rates
  • Flexible terms, including interest-only payment options
  • Automatic payments
  • Access funds in person, by check, by phone or online

Home Improvement Loans and Second Mortgages - Inquire Now 

Remodel a kitchen or bath, add a family room, build a garage, replace the roof or finish the basement. Enhance the investment in your home through a specific project. We’ll design a home improvement plan that fits your financing needs.

  • Competitive loan rates
  • Flexible terms
  • Automatic payments
  • Online banking access to loan information

Mortgages - Inquire Now 

Build or purchase a home. Purchase recreational land. Refinance your home. It’s an enjoyable and exciting time – and we’re here to help with the process. We’re one of the most flexible and friendly mortgage lenders in the area. We’ll be there at every step, from preapprovals through arranging your closing details.

After closing, the majority of our mortgage loans are serviced locally. This gives you easy access to your mortgage, competitive rates and local answers to your questions.

Conventional Loans and Refinancing
Choose from fixed interest rate, adjustable rate and balloon loan options. Lower your down payment requirements with insured loans. Cash-out refinancing options are also available.

First-Time Homebuyers Program
If you’re a first-time homebuyer, special assistance may be available.

Government Guaranteed Loans (Federal Housing Administration - FHA and Rural Development - RD options where available)
If you require a low down payment, consider government-guaranteed mortgages. FHA-insured loans have minimal down payments, while RD-insured loans have no down payment requirements. These programs may also offer higher qualifying debt ratios, making it easier to obtain a loan.

Construction Loans
From blueprints to finished construction, our construction loan specialists work with your home-building circumstances. Open a line of credit for construction costs, make interest-only payments during construction, and refinance your construction loans when the home is completed.

If you are interested in a mortgage loan, contact one of our loan officers for competitive rates and friendly service.

If you believe there is an error on your mortgage loan statement or you'd like to request information related to your mortgage loan servicing - click here MortgageResolution to learn more.

You may view a listing of our mortgage lenders and their NMLS ID numbers here.

Make a Simple Switch

We make it easy to switch your accounts to us. 

Reorder Checks

Out of checks? It's easy to reorder, just click here.

Cabin Fever Ad Image

Worry-Free Banking Services

Frandsen Bank & Trust is your one stop for convenient banking services. Easily manage your accounts, protect your important belongings and control your finances.

Business Loan Ad Image



Worry-Free Banking Services

Frandsen Bank & Trust is your one stop for convenient banking services. Easily manage your accounts, protect your important belongings and control your finances.


Frandsen Bank & Trust’s Wealth Management & Trust Department has been in operation since 1969 and assists over 1,300 individual and business investment clients throughout the upper Midwest.

Contact us today for FREE consultation. 507.233.4800 or 218.773.5491.

Steve Vranich
Stephen W. Vranich
Sr. Vice President & Trust Officer
email Steve

Kerry L. Ledin
Vice President & Trust Officer
email Kerry 

Kathryn L. Curry
Trust Officer
email Kathryn 

For more information on the services we provide, watch a video.

Trust Plan
Trust Plan (click here)

Inheritance (click here)

Retirement (click here)

Divorce (click here)

Empty Nesters
Empty Nesters (click here)

401k Rollover
401(k) Rollover (click here)

Bank on Main Street 2 

We're Here for You.

We welcome your questions, comments and feedback. Visit in person,
call us or submit this form. Unsecure email - click here for more information.

Your Preferred Frandsen Bank & Trust Office:
Contact Name:
Email Address:

Enter the number displayed above and click submit.

Locations Warren Oslo Grand Forks East Grand Forks Ada Carlton Clinton Cloquet Virginia Ely Tower Crosslake Nisswa Baxter Foley Forest Lake Bird Island Hector Jordan Fairfax NewUlm North Mankato Waterville Lonsdale Montgomery Dundas Braham Pine City Luck
Copyright © Frandsen Bank & Trust

SECURITY NOTICE: Frandsen Bank will never ask you to send non-public private information through e-mail, such as your PIN,
Social Security Numbers, or Account Numbers. Please do not respond to any email requesting this type of information.
Member FDIC Equal Housing Lender