--- canonical_url: https://lendb.ai/lo/nathan-kowarsky-294599 json_url: https://lendb.ai/lo/nathan-kowarsky-294599.json nmls_id: 294599 last_verified: 2026-10-31 --- # Nathan Kowarsky CEO at Clear Mortgage Capital, Inc.. NMLS ID 294599 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/294599)). Nathan Kowarsky (NMLS 294599) is a mortgage loan officer at Clear Mortgage Capital, Inc., licensed in Texas, California, Louisiana and 3 more states. **Summary:** Nathan Kowarsky (NMLS 294599) is CEO at Clear Mortgage Capital, Inc.. Licensed in 6 states confirmed with state regulators: Texas, California, Louisiana, Arkansas, Oregon and Nevada. Earliest state license record: May 5, 2014 (Florida), per state regulator. Last verified 2026-10-31. ## Quick answers ### Is Nathan licensed in Texas? 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. Source: https://www.sml.texas.gov/. ### What lender does Nathan work for? Clear Mortgage Capital, Inc., company NMLS 1935005, per the lender's own site (verified 2026-10-21). Source: https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky. ### How long has Nathan been licensed? 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. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ## At a glance - Earliest state license record: May 5, 2014 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Nathan C. Kowarsky (AR, CA, FL, LA, NV, OR, TX, as of 2026-10-28) - Licensed in: Texas (TX, confirmed), California (CA DRE, confirmed), Louisiana (LA, confirmed), Arkansas (AR, confirmed), Oregon (OR, confirmed), Nevada (NV, 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 (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.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - None on file yet. ## Facts from the lender page and intro - other: Funded more than 7,000 home loans. Source: https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky, verified 2026-10-21. - role: Founder of Clear Mortgage Capital; previously President of E Capital Mortgage for four years. Source: https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky, verified 2026-10-21. - education: Bachelor's Degree in Business Administration. Source: https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky, verified 2026-10-21. - credential: 2022 Visionary Innovation award, Association of Independent Mortgage Experts. Source: https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky, verified 2026-10-21. - credential: 2022 OC Visionary, finance/banking category, LA Times. Source: https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky, verified 2026-10-21. - credential: Ranked among Top 10 mortgage lenders in Irvine, California by Scotsman Guide. Source: https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky, verified 2026-10-21. - credential: Affiliated with California Bureau of Real Estate and Orange County Association of Realtors. Source: https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky, verified 2026-10-21. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO24694 | expired | confirmed | 2014-05-05 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2022-07-29 | state_regulator | 2026-10-13 | | CA | California Department of Real Estate | state_license | 01949894 | active | confirmed | | state_regulator | 2026-10-24 | | LA | Louisiana regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-15 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2022-05-10 | state_regulator | 2026-10-20 | | NV | Nevada regulator | state_license | NMLO-1193667 | active | confirmed | 2022-11-28 | state_regulator | 2026-10-31 | ## Employment history - ? to present: Clear Mortgage Capital, Inc. (NMLS 1935005). Source: https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky, verified 2026-10-21. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/294599 ## Contact - View profile at Clear Mortgage Capital, Inc.: https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky - Office phone on file: shown at https://lendb.ai/lo/nathan-kowarsky-294599#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/294599 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html - state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/ - state_regulator: https://securities.arkansas.gov/loans/nmls/ - state_regulator: https://dfr.oregon.gov/ - state_regulator: https://mld.nv.gov/ - state_regulator: https://clearmortgagecapital.com/loan-officer/a0f3f633-0712-4593-b70b-066f264665d3/NathanKowarsky Cite as: Nathan Kowarsky (NMLS 294599), Clear Mortgage Capital, Inc.. LenDb.ai, https://lendb.ai/lo/nathan-kowarsky-294599, last verified 2026-10-31. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._