{
  "canonical_url": "https://lendb.ai/lo/daniel-kowal-1950082",
  "loan_officer": {
    "nmls_id": 1950082,
    "slug": "daniel-kowal-1950082",
    "canonical_url": "https://lendb.ai/lo/daniel-kowal-1950082",
    "md_url": "https://lendb.ai/lo/daniel-kowal-1950082.md",
    "json_url": "https://lendb.ai/lo/daniel-kowal-1950082.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1950082",
    "full_name": {
      "value": "Daniel Kowal",
      "source": "lender_site",
      "source_url": "https://www.cardinalfinancial.com/loan-originator/daniel-kowal/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Daniel",
    "last_name": "Kowal",
    "headshot_url": {
      "value": "https://www.cardinalfinancial.com/wp-content/uploads/2025/06/daniel-kowal-150x150.png",
      "source": "lender_site",
      "source_url": "https://www.cardinalfinancial.com/loan-originator/daniel-kowal/",
      "verified_at": "2026-10-09"
    },
    "bio": null,
    "title": {
      "value": "Loan Originator",
      "source": "lender_site",
      "source_url": "https://www.cardinalfinancial.com/loan-originator/daniel-kowal/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.cardinalfinancial.com/loan-originator/daniel-kowal/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 6,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 66247,
      "lender_name": "Cardinal Financial Company",
      "lender_slug": "cardinal-financial-66247",
      "branch_city": "Jacksonville",
      "branch_state": "FL",
      "branch_zip": "32224",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.cardinalfinancial.com/loan-originator/daniel-kowal/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.cardinalfinancial.com/loan-originator/daniel-kowal/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 66247,
        "lender_name": "Cardinal Financial Company",
        "lender_slug": "cardinal-financial-66247",
        "branch_city": "Jacksonville",
        "branch_state": "FL",
        "branch_zip": "32224",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.cardinalfinancial.com/loan-originator/daniel-kowal/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.cardinalfinancial.com/loan-originator/daniel-kowal/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO69666",
        "status": "active",
        "issued_at": "2020-04-20",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": "100542874",
        "status": "active",
        "issued_at": "2025-08-05",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=344277&contact=578270",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 00:27:15.138527+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/daniel-kowal-1950082#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.cardinalfinancial.com/loan-originator/daniel-kowal/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2020,
      "state": "FL"
    },
    "federal_registration": null
  }
}