Personal Products and Services

  • Home Mortgage Loans
  • Cabin Financing
  • Home Refinancing
  • Home Equity Loans
  • Home Equity Lines of Credit (HELOC)
  • Consumer Loans
  • Checking Accounts
  • Savings & Certificates of Deposit (CDs)
  • Individual Retirement Accounts (IRAs)
  • Health Savings Accounts (HSA)

Business Products and Services

  • Business Loans (SBA Preferred Lender)
  • Business Checking
  • Business Savings & Certificates of Deposit (CDs)
  • Business Lines of Credit
  • Agricultural Loans
  • Cash Management Services

Tom Omerza

VP, Mortgage Banking Officer

Apply with Tom
Email Tom


Tom has been in the mortgage business for over 17 years. As mortgage lender, Tom enjoy being a part of a community bank that serves the community where his kids have grown up in. Tom enjoy helping friends, neighbors, and people wanting to make Ely a part of their life finance their home, cabin or land. It’s his top priority and Frandsen allows Tom to give the customer service borrowers deserve.


Ely is a great area to live in, Tom was born in the old Winton hospital, grew up in a small town, and him and his wife Heidi have allowed his four children to experience great friends and a great local school. Tom give's back to the community as much as he can. Tom have, and continue to, volunteer for many different parent and non-profit groups, including the Ely Community Health Center (free clinic) and Ely Hoop Club (basketball). I also serve as a school board member.

You are about to leave the Frandsen Bank Website.

The site you have selected is an external one located on another server. Frandsen Bank has no responsibility for any external website. It neither endorses the information, content, presentation, or accuracy, nor makes any warranties, express or implied, regarding the external site. Thank you for visiting Frandsen Bank.