FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Carter Karppinen
Mortgage Banker
NMLS 2472688
What I Specialize In
- Cabin Financing
- Home Mortgages
- Hunting & Recreational Land
- New Construction
- Refinancing
My Locations
Lobby Hours Mon–Fri: 8:30am–4:30pm | Sat–Sun: Closed
Drive-Up Hours Mon–Fri: 8am–5pm | Sat–Sun: Closed
About Carter Karppinen
Carter Karppinen is dedicated to helping Frandsen Bank & Trust customers reach their financial goals with care and integrity. He began his banking career in 2020 as an intern universal banker in Fargo, North Dakota, where he developed a strong interest in community banking. After returning to the Carlton County area, he began working as a lender in 2023 and joined the Frandsen team in 2025. Carter specializes in helping customers navigate real estate financing, understanding that these decisions...
Cookie Settings
Frandsen Bank & Trust collects information like cookies to give you the best possible experience online. For example, cookies help us remember your preferred bank location every time you visit. You can choose to accept all cookies or limit usage to essential cookies only.
View our Cookie Policy to better understand what data we collect and how we use it.