---
canonical_url: https://lendb.ai/lo/kristina-arshad-2742828
json_url: https://lendb.ai/lo/kristina-arshad-2742828.json
nmls_id: 2742828
last_verified: 2026-10-09
---

# Kristina Arshad

Loan Originator at Cardinal Financial Company, Charlotte, NC. NMLS ID 2742828 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2742828)).

**Summary:** Kristina Arshad (NMLS 2742828) is Loan Originator at Cardinal Financial Company, based in Charlotte, NC. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Earliest state license record: December 1, 2025 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: December 1, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO143070 | active | confirmed | 2025-12-01 | state_regulator | 2026-10-09 |
| PA | state_license | 120928 | 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/kristina-arshad/, 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/2742828

## Contact

- View profile at Cardinal Financial Company: https://www.cardinalfinancial.com/loan-originator/kristina-arshad/
- Office phone and Email on file: shown at https://lendb.ai/lo/kristina-arshad-2742828#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2742828
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://www.cardinalfinancial.com/loan-originator/kristina-arshad/

Cite as: Kristina Arshad (NMLS 2742828), Cardinal Financial Company. LenDb.ai, https://lendb.ai/lo/kristina-arshad-2742828, last verified 2026-10-09.

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