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Your Dedicated Lender


Brandon Reinarts

Senior Vice President, Mortgage Banking Officer

Brandon is a physician-first lender with more than 17 years experience serving medical professionals and executives across the upper Midwest. Through the Ultimate program, Brandon can provide financing solutions to help buy, build, remodel, or refinance your home to fit your unique situation. Frandsen Bank & Trust will service your loan, and Brandon will remain a primary contact from application through your final loan payment.

NMLS 769600

Ultimate HELOC


Strategically access your home’s equity with the insight and support of your dedicated banker.

  • Available to Frandsen Ultimate Mortgage customers

  • 60 months

  • Competitive, variable rates

  • No origination fee1

  • 100% loan-to-value financing options

Ultimate Line of Credit


An elegant solution for liquidity — seamless access to funds whenever opportunity arises.

  • Unsecured line of credit up to $75,000

  • 24 months

  • Competitive, variable rates

  • No origination fee2

Ultimate Results Checking


A premium checking experience that rewards your balance with preferred rates, everyday ease, and attentive service.

  • Earn a premium interest rate of 6.17%1 APY* on your first $20,000 when the following conditions are met during the monthly statement cycle:

    • $5,000 in direct deposits AND

    • 12 posted debit card purchases2 monthly

  • Elevated purchase and withdrawal limits with your Ultimate black debit card

  • No Monthly Maintenance Fee

  • Free eStatements or $3 Paper Statement Fee

I received outstanding assistance and guidance from Brandon during my journey as a first-time homebuyer. He always went above and beyond to help me. Throughout the entire mortgage process, his dedication and commitment were truly remarkable. His willingness to patiently explain complex concepts, answer my numerous questions, and provide me with personalized advice made me feel confident and informed every step of the way. His expertise in navigating the intricate world of mortgages gave me peace of mind during what could have otherwise been an overwhelming experience. Beyond his professional expertise, Brandon was very personable and genuinely cared about my well-being as a customer throughout the process. I feel incredibly fortunate to have had him as my mortgage lender, and I’m grateful for the positive impact he had on me as a first-time homebuyer. I would highly recommend Brandon!

Gaj - Rochester, Minn.

Brandon was incredible to work with as we built our new home. He made the process seamless and quick. He has made himself available to answer questions and really take the time to explain options and considerations. He is transparent and extremely responsive, and I trust his expertise. I highly recommend working with Brandon!

Amanda - Plymouth, Minn.

Being a first-time homebuyer was daunting, but Brandon Reinarts was extremely helpful throughout the process. He explained how everything worked, provided us with great options, and secured a competitive rate. We needed to close on a home quickly, and Brandon worked hard to make that happen while always responding promptly to our emails and phone calls. I could not recommend him more!

Jack - Green Bay, Wis.

Brandon surpassed all my expectations when it came to working with a lender. From the first time I reached out about obtaining a home loan through closing and beyond, Brandon was phenomenal. He is incredibly responsive and goes out of his way to be available whenever needed. He is easy to communicate with through email or phone and always closes the loop, leaving no doubt about the next steps. Brandon made the entire process easy to understand and guided me from start to finish. Brandon, along with Frandsen Bank, made me a strong believer in working with a local lender rather than a large corporate bank that may not provide the same personalized experience. I cannot say enough good things about Brandon and Frandsen Bank. If you are looking for a home mortgage, reach out to them first. You will not be disappointed.

Brandon - Duluth, Minn.

I received a physician home loan through Frandsen Bank with Brandon, and I could not have been happier with the process. Brandon is knowledgeable, professional, honest, and incredibly helpful. He took the time to understand my needs and provided exactly the type of physician home loan I was looking for. We are now happily settled into our new home, and I truly appreciate Brandon's guidance and support in helping us get here.

Kyle - Duluth, MN

Brandon was very helpful throughout the entire homebuying process. My husband and I were first-time homebuyers using a physician loan, and Brandon made the process seamless. We highly recommend Brandon and Frandsen Bank.

Alexa - Mankato, Minn.

Brandon was absolutely fantastic to work with. He was thorough, patient, realistic, honest, and prompt in responding, and he was the reason we were able to purchase our dream home. I had a million questions and scenarios, and he thoughtfully considered each one, providing all the information we needed to make informed decisions. We went back and forth between building a home and purchasing an existing one, and Brandon worked with us every step of the way. He also helped us determine a comfortable price point and ensured we understood what our monthly payments would look like. This was our third home purchase and sale, and I have never experienced such a seamless process or worked with a more helpful mortgage specialist and financial institution. I would absolutely go back to Brandon for any future mortgage or lending needs.

Gina - Brainerd, Minn.

I highly recommend Brandon Reinarts and Frandsen Bank if you are looking for a home mortgage. Brandon was everything you could want in a lender. He was personable and genuinely invested in helping us achieve our goals. Unlike some larger national banks, where you can feel more like a number than a person, Brandon took the time to understand our needs and provide personalized service. His communication throughout the process was excellent, and he was extremely organized. In fact, our closing company mentioned that he was one of the best lenders they had worked with. Overall, we are very happy that we were able to connect with Brandon and highly recommend that you do the same!

Steve - Mound, Minn.

Recommended Resources


Credit Cards


Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have a card for you.

Wealth Management


Build a goals-based investment plan and asset strategy designed to manage risk and grow with you, all while valuing diversification.

Not FDIC InsuredMay Lose ValueNo Bank Guarantee

Important Legal Disclosures & Information


1
  • When Premium interest rate conditions are met and your daily available balance is $20,000 or less, the Annual Percentage Yield (APY) is 6.17%.

  • When Premium interest rate conditions are met and your daily available balance is over $20,000, the APY will range from 0.01 - 6.17%, depending on the balance in the account.

  • When Premium interest rate conditions are not met, the APY is 0.01% on the entire daily available balance.

Rates effective as of July 01, 2026 and are subject to change without notice at any time at the discretion of Frandsen Bank & Trust.

Fees may reduce earnings.

2

A transaction includes deposits, deposited items, checks paid, electronic debits and credits, debit card purchases, and ATM debits.

Excludes Automated Teller Machine (ATM) withdrawals. Posted debit card purchases do not include pending or pre-authorized purchases.

*

APY = Annual percentage yield

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