---
canonical_url: https://lendb.ai/lo/christopher-hardy-1074707
json_url: https://lendb.ai/lo/christopher-hardy-1074707.json
nmls_id: 1074707
last_verified: 2026-10-09
---

# Christopher Hardy

Mortgage Loan Officer at Loan Factory. NMLS ID 1074707 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1074707)).

**Summary:** Christopher Hardy (NMLS 1074707) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO138593). Also lists Ohio and Pennsylvania on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer, Manufactured home, Renovation loan (203k / HomeStyle), VA loan and Real estate investor. Licensed since 2025 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2025 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Ohio (OH, lender_reported), Pennsylvania (PA, 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/christopher-hardy-1074707
- **Manufactured home** (`manufactured`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/christopher-hardy-1074707
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/christopher-hardy-1074707
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/christopher-hardy-1074707
- **Real estate investor** (`investor`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/christopher-hardy-1074707

## About

Army veteran and real estate investor specializing in VA, conventional, rehab, and manufactured home loans for first-time buyers, repeat buyers, and investors.

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

## Facts from the lender page and intro

- role: Army veteran. Source: https://www.loanfactory.com/mortgage-expert/christopher-hardy-1074707, verified 2026-10-09.
- community: Passionate about homebuyer education and community involvement. Source: https://www.loanfactory.com/mortgage-expert/christopher-hardy-1074707, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO138593 | active | confirmed | 2025-06-04 | state_regulator | 2026-10-09 |
| OH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/christopher-hardy-1074707, 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/1074707

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/christopher-hardy-1074707

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1074707
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/christopher-hardy-1074707

Cite as: Christopher Hardy (NMLS 1074707), Loan Factory. LenDb.ai, https://lendb.ai/lo/christopher-hardy-1074707, last verified 2026-10-09.

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