{
  "canonical_url": "https://lendb.ai/lo/nathan-kowarsky-294599",
  "lede": {
    "text": "Nathan Kowarsky (NMLS 294599) is a mortgage loan officer at Clear Mortgage Capital, Inc., licensed in Texas, California, Louisiana and 3 more states.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Nathan licensed in Texas?",
      "a": "Yes. Texas regulator records list a license as active, first effective July 29, 2022 (verified 2026-10-13). LenDb has 5 other states on file for Nathan.",
      "fields": [
        "licenses"
      ],
      "source": "Texas state regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    {
      "q": "What lender does Nathan work for?",
      "a": "Clear Mortgage Capital, Inc., company NMLS 1935005, per the lender's own site (verified 2026-10-21).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky",
      "verified_at": "2026-10-21"
    },
    {
      "q": "How long has Nathan been licensed?",
      "a": "The earliest state license record LenDb holds for Nathan is from May 5, 2014 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
      "verified_at": "2026-10-15"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 294599,
    "slug": "nathan-kowarsky-294599",
    "canonical_url": "https://lendb.ai/lo/nathan-kowarsky-294599",
    "md_url": "https://lendb.ai/lo/nathan-kowarsky-294599.md",
    "json_url": "https://lendb.ai/lo/nathan-kowarsky-294599.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/294599",
    "full_name": {
      "value": "Nathan Kowarsky",
      "source": "state_regulator",
      "source_url": "https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky",
      "verified_at": "2026-10-21"
    },
    "first_name": "Nathan",
    "last_name": "Kowarsky",
    "licensed_names": [
      {
        "name": "Nathan Kowarsky",
        "name_with_middle_initial": "Nathan C. Kowarsky",
        "first_name": "Nathan",
        "middle_initial": "C",
        "last_name": "Kowarsky",
        "states": [
          "AR",
          "CA",
          "FL",
          "LA",
          "NV",
          "OR",
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-28"
      }
    ],
    "headshot_url": null,
    "bio": null,
    "title": {
      "value": "CEO",
      "source": "state_regulator",
      "source_url": "https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky",
      "verified_at": "2026-10-21"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky",
      "verified_at": "2026-10-21"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 30,
    "current_employment": {
      "lender_nmls_id": 1935005,
      "lender_name": "Clear Mortgage Capital, Inc.",
      "lender_slug": "clear-mortgage-capital-inc-1935005",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky",
      "verified_at": "2026-10-21"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1935005,
        "lender_name": "Clear Mortgage Capital, Inc.",
        "lender_slug": "clear-mortgage-capital-inc-1935005",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky",
        "verified_at": "2026-10-21"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO24694",
        "status": "expired",
        "issued_at": "2014-05-05",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2022-07-29",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "01949894",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dre",
        "regulator_name": "California Department of Real Estate"
      },
      {
        "state": "LA",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "la"
      },
      {
        "state": "AR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://securities.arkansas.gov/loans/nmls/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ar"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2022-05-10",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "NV",
        "license_type": "state_license",
        "license_number": "NMLO-1193667",
        "status": "active",
        "issued_at": "2022-11-28",
        "source": "state_regulator",
        "source_url": "https://mld.nv.gov/",
        "verified_at": "2026-10-31",
        "confidence": "confirmed",
        "regulator": "nv"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "other",
        "value": "Funded more than 7,000 home loans",
        "source": "lender_site",
        "source_url": "https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky",
        "verified_at": "2026-10-21"
      },
      {
        "kind": "role",
        "value": "Founder of Clear Mortgage Capital; previously President of E Capital Mortgage for four years",
        "source": "lender_site",
        "source_url": "https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky",
        "verified_at": "2026-10-21"
      },
      {
        "kind": "education",
        "value": "Bachelor's Degree in Business Administration",
        "source": "lender_site",
        "source_url": "https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky",
        "verified_at": "2026-10-21"
      },
      {
        "kind": "credential",
        "value": "2022 Visionary Innovation award, Association of Independent Mortgage Experts",
        "source": "lender_site",
        "source_url": "https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky",
        "verified_at": "2026-10-21"
      },
      {
        "kind": "credential",
        "value": "2022 OC Visionary, finance/banking category, LA Times",
        "source": "lender_site",
        "source_url": "https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky",
        "verified_at": "2026-10-21"
      },
      {
        "kind": "credential",
        "value": "Ranked among Top 10 mortgage lenders in Irvine, California by Scotsman Guide",
        "source": "lender_site",
        "source_url": "https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky",
        "verified_at": "2026-10-21"
      },
      {
        "kind": "credential",
        "value": "Affiliated with California Bureau of Real Estate and Orange County Association of Realtors",
        "source": "lender_site",
        "source_url": "https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky",
        "verified_at": "2026-10-21"
      }
    ],
    "last_verified_at": "2026-10-31",
    "updated_at": "2026-10-31 20:06:23.660637+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office"
      ],
      "reveal_url": "https://lendb.ai/lo/nathan-kowarsky-294599#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://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky",
      "verified_at": "2026-10-21"
    },
    "earliest_license_record": {
      "date": "2014-05-05",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2014,
      "state": "FL"
    },
    "federal_registration": null
  }
}