index.php can be of WordPress. Probably its of WordPress. Open it and usually a nice commented out quote will be found (then its of WordPress).
I created a MySQL database a couple weeks ago, and realized after install yesterday that cpanel created another database. I'm wondering if that's causing any delay.
Nope. That will throw database error page on browser or show something. It appears you are getting 404 page.
What I understood :
You wanted to install WordPress and bought a domain and a server. You have to check if name server propagation :
type the domain name and select NS from drop down box. Then click search. It seems the propagation has not taken place.
DNS propagation can take 15 minutes to 7 days depending upon various factors and usage of technologies, officially happens within 24-72 hours range. For Hostgator you can take it will get propagated rightly after 12-48 hours.
You need to type
/wp-admin/login.php after your domain name where WP is installed for login. But, if the WordPress is not installed itself, that will not work, the homepage will show WordPress installation wizard.
The fool proof way to install WordPress is either through command line interface (if available) or to upload the compressed wordpress folder and unzip there using cPanel's decompress function. Make your MySQL database ready and simply run the WordPress installation script :
The automated thing has created the .htaccess file.
Please provide your domain name (do not forget to lock the domain).