---
canonical_url: https://lendb.ai/lo/howard-litwak-1914414
json_url: https://lendb.ai/lo/howard-litwak-1914414.json
nmls_id: 1914414
last_verified: 2026-10-09
---

# Howard Litwak

Loan Originator at Cardinal Financial Company, Charlotte, NC. NMLS ID 1914414 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1914414)).

**Summary:** Howard Litwak (NMLS 1914414) is Loan Originator at Cardinal Financial Company, based in Charlotte, NC. Licensed in 3 states confirmed with state regulators: Florida, Colorado and Pennsylvania. Earliest state license record: January 15, 2020 (Colorado), per state regulator. States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: January 15, 2020 (Colorado), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 20 (source: https://www.cardinalfinancial.com/loan-originator/howard-litwak/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Pennsylvania (PA, 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


## About

Litwak has over 20 years of mortgage experience and focuses on helping borrowers understand their options with honest guidance and clear explanations of tradeoffs.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.cardinalfinancial.com/loan-originator/howard-litwak/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO141682 | active | confirmed | 2025-10-01 | state_regulator | 2026-10-09 |
| CO | state_license | 100515999 | active | confirmed | 2020-01-15 | state_regulator | 2026-10-10 |
| PA | state_license | 117231 | active | confirmed |  | state_regulator | 2026-10-10 |

## Employment history

- ? to present: Cardinal Financial Company (NMLS 66247), Charlotte, NC. Source: https://www.cardinalfinancial.com/loan-originator/howard-litwak/, 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/1914414

## Contact

- View profile at Cardinal Financial Company: https://www.cardinalfinancial.com/loan-originator/howard-litwak/
- Office phone and Email on file: shown at https://lendb.ai/lo/howard-litwak-1914414#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1914414
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=244388&contact=464499
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://www.cardinalfinancial.com/loan-originator/howard-litwak/

Cite as: Howard Litwak (NMLS 1914414), Cardinal Financial Company. LenDb.ai, https://lendb.ai/lo/howard-litwak-1914414, last verified 2026-10-09.

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