Kristi Hardy
EVP | Area Manager Sr. Loan Officer at Atlantic Coast Mortgage · Fairfax, VA
NMLS ID 194938 (opens in a new tab) · verify at NMLS Consumer Access
Kristi Hardy (NMLS 194938) is EVP | Area Manager Sr. Loan Officer at Atlantic Coast Mortgage, based in Fairfax, VA. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists District of Columbia, Delaware, Georgia, Maryland, North Carolina, South Carolina, Tennessee, Virginia and 1 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan. Licensed since 2024 (per Florida records).
Last verified . Sources: Atlantic Coast Mortgage (atlanticcoastmortgage.com), Florida state regulator, Pennsylvania state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2024 (per Florida records)
- 11 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Where we saw these: atlanticcoastmortgage.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Florida, Pennsylvania, District of Columbia, Delaware, Georgia, Maryland, North Carolina, South Carolina, Tennessee, Virginia, West Virginia
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO130483, since 2024), PA (opens in a new tab) (109989), verified 2026-10-09.
Lender-reported: DC, DE, GA, MD, NC, SC, TN, VA, WV are listed on the lender page, not yet checked with the state regulator.
Contact
- Profile (opens in a new tab)
We never see who you contact.
Employment history
Atlantic Coast Mortgage NMLS 643114
Current · Fairfax, VA · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Kristi has over 20 years of mortgage experience and is a Virginia Tech honors graduate. She specializes in traditional and specialized mortgage programs, serving first-time buyers, move-up purchasers, and real estate investors with transparent communication and thorough guidance.
Our summary of the lender page. Verified 2026-10-09.
- Education
- Virginia Tech honors graduate, Xinnix Mortgage Academy in Atlanta, Georgia
- Source (opens in a new tab), verified 2026-10-09
- Credentials
- Lifetime Achievement Award, Elite Producer & Best Mortgage Professional (Washingtonian Magazine)
- Source (opens in a new tab), verified 2026-10-09
- Credentials
- Best of Loudoun – Loan Officer, 12 Consecutive Years (2013-2024)
- Source (opens in a new tab), verified 2026-10-09
- Credentials
- Top 1% of Mortgage Originators in America since 2016
- Source (opens in a new tab), verified 2026-10-09
- Credentials
- Top 5 Woman Originator in Virginia since 2021
- Source (opens in a new tab), verified 2026-10-09
- Role
- At-Large Director, Virginia Mortgage Bankers Association
- Source (opens in a new tab), verified 2026-10-09
Sources
| Name and employer | lender site · atlanticcoastmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · data.pa.gov (opens in a new tab) | verified 2026-10-10 |
| Licensed states | lender site · atlanticcoastmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · atlanticcoastmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · atlanticcoastmortgage.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Kristi Hardy (NMLS 194938), Atlantic Coast Mortgage. LenDb.ai, https://lendb.ai/lo/kristi-hardy-194938, last verified 2026-10-09.
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