---
canonical_url: https://lendb.ai/lo/joshua-grafer-108128
json_url: https://lendb.ai/lo/joshua-grafer-108128.json
nmls_id: 108128
last_verified: 2026-10-10
---

# Joshua Grafer

Mortgage Loan Originator at AnnieMac Home Mortgage, Hauppauge, NY. NMLS ID 108128 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/108128)).

**Summary:** Joshua Grafer (NMLS 108128) is Mortgage Loan Originator at AnnieMac Home Mortgage, based in Hauppauge, NY. Licensed in Florida, confirmed with the state regulator (license LO36735). Also lists New Jersey and New York on the lender page (not yet checked with the state regulator). Earliest state license record: September 12, 2016 (Florida), per state regulator. States 20 years of experience. Last verified 2026-10-10.

## At a glance

- Earliest state license record: September 12, 2016 (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): 20 (source: https://annie-mac.com/lo/joshuagrafer/, verified 2026-10-10)
- Licensed in: Florida (FL, confirmed), New Jersey (NJ, lender_reported), New York (NY, lender_reported)
- 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


## About

Has over 20 years in the mortgage industry and focuses on matching clients to the financing program that best fits their goals. Highlights AnnieMac's Cash Offer program to help buyers compete in competitive markets.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://annie-mac.com/lo/joshuagrafer/, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO36735 | active | confirmed | 2016-09-12 | state_regulator | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| NY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: AnnieMac Home Mortgage (NMLS 338923), Hauppauge, NY. Source: https://annie-mac.com/lo/joshuagrafer/, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/108128

## Contact

- View profile at AnnieMac Home Mortgage: https://annie-mac.com/lo/joshuagrafer/
- Office phone and Email on file: shown at https://lendb.ai/lo/joshua-grafer-108128#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/108128
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://annie-mac.com/lo/joshuagrafer/

Cite as: Joshua Grafer (NMLS 108128), AnnieMac Home Mortgage. LenDb.ai, https://lendb.ai/lo/joshua-grafer-108128, last verified 2026-10-10.

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