---
canonical_url: https://lendb.ai/lo/michael-graffeo-900192
json_url: https://lendb.ai/lo/michael-graffeo-900192.json
nmls_id: 900192
last_verified: 2026-10-10
---

# Michael Graffeo

MLO at Lower, Delray Beach, FL. NMLS ID 900192 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/900192)).

**Summary:** Michael Graffeo (NMLS 900192) is MLO at Lower, based in Delray Beach, FL. Licensed in Florida, confirmed with the state regulator (license LO40671). Licensed since 2017 (per Florida records). Last verified 2026-10-10.

## At a glance

- Licensed since 2017 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, 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


## About

Michael Graffeo serves homebuyers and homeowners across South Florida, including Delray Beach, Boca Raton and West Palm Beach.

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

## Facts from the lender page and intro

- service_area: Delray Beach, Boca Raton, West Palm Beach and surrounding communities. Source: https://www.lower.com/loan-officers/florida/delray-beach/michael-graffeo, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO40671 | active | confirmed | 2017-03-03 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Lower (NMLS 1124061), Delray Beach, FL. Source: https://www.lower.com/loan-officers/florida/delray-beach/michael-graffeo, 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/900192

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/florida/delray-beach/michael-graffeo
- Email on file: shown at https://lendb.ai/lo/michael-graffeo-900192#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/900192
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/florida/delray-beach/michael-graffeo

Cite as: Michael Graffeo (NMLS 900192), Lower. LenDb.ai, https://lendb.ai/lo/michael-graffeo-900192, last verified 2026-10-10.

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