---
canonical_url: https://lendb.ai/lo/daniel-kowal-1950082
json_url: https://lendb.ai/lo/daniel-kowal-1950082.json
nmls_id: 1950082
last_verified: 2026-10-09
---

# Daniel Kowal

Loan Originator at Cardinal Financial Company, Jacksonville, FL. NMLS ID 1950082 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1950082)).

**Summary:** Daniel Kowal (NMLS 1950082) is Loan Originator at Cardinal Financial Company, based in Jacksonville, FL. Licensed in 2 states confirmed with state regulators: Florida and Colorado. Licensed since 2020 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2020 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO69666 | active | confirmed | 2020-04-20 | state_regulator | 2026-10-09 |
| CO | state_license | 100542874 | active | confirmed | 2025-08-05 | state_regulator | 2026-10-10 |

## Employment history

- ? to present: Cardinal Financial Company (NMLS 66247), Jacksonville, FL. Source: https://www.cardinalfinancial.com/loan-originator/daniel-kowal/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1950082

## Contact

- View profile at Cardinal Financial Company: https://www.cardinalfinancial.com/loan-originator/daniel-kowal/
- Office phone and Email on file: shown at https://lendb.ai/lo/daniel-kowal-1950082#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1950082
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=344277&contact=578270
- lender_site: https://www.cardinalfinancial.com/loan-originator/daniel-kowal/

Cite as: Daniel Kowal (NMLS 1950082), Cardinal Financial Company. LenDb.ai, https://lendb.ai/lo/daniel-kowal-1950082, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._