---
canonical_url: https://lendb.ai/lo/joseph-pernice-2804733
json_url: https://lendb.ai/lo/joseph-pernice-2804733.json
nmls_id: 2804733
last_verified: 2026-10-09
---

# Joseph Pernice

Senior Loan Officer at CrossCountry Mortgage, Hauppauge, NY. NMLS ID 2804733 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2804733)).

**Summary:** Joseph Pernice (NMLS 2804733) is Senior Loan Officer at CrossCountry Mortgage, based in Hauppauge, NY. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists New Jersey and New York on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan and First-time buyer. Earliest state license record: April 6, 2026 (Florida), per state regulator. States 25 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: April 6, 2026 (Florida), 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): 25 (source: https://crosscountrymortgage.com/hauppauge-ny-5631/joseph-pernice/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), New Jersey (NJ, lender_reported), New York (NY, lender_reported), 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

- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/hauppauge-ny-5631/joseph-pernice/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/hauppauge-ny-5631/joseph-pernice/

## About

Joseph brings 25+ years of sales experience to mortgage lending, focusing on helping clients navigate purchase and refinance options. A father of three, he treats each deal personally and emphasizes making home financing straightforward.

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

## Facts from the lender page and intro

- years_experience: 25. Source: https://crosscountrymortgage.com/hauppauge-ny-5631/joseph-pernice/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO146536 | active | confirmed | 2026-04-06 | state_regulator | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | state_license | 123174 | active | confirmed |  | state_regulator | 2026-10-10 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Hauppauge, NY. Source: https://crosscountrymortgage.com/hauppauge-ny-5631/joseph-pernice/, 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/2804733

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/hauppauge-ny-5631/joseph-pernice/
- Office phone and Email on file: shown at https://lendb.ai/lo/joseph-pernice-2804733#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2804733
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://crosscountrymortgage.com/hauppauge-ny-5631/joseph-pernice/
- state_regulator: https://data.pa.gov/d/tyxc-jyug

Cite as: Joseph Pernice (NMLS 2804733), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/joseph-pernice-2804733, last verified 2026-10-09.

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