--- canonical_url: https://lendb.ai/lo/kristi-hardy-194938 json_url: https://lendb.ai/lo/kristi-hardy-194938.json nmls_id: 194938 last_verified: 2026-10-09 --- # Kristi Hardy EVP | Area Manager Sr. Loan Officer at Atlantic Coast Mortgage, Fairfax, VA. NMLS ID 194938 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/194938)). **Summary:** 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. Earliest state license record: July 23, 2024 (Florida), per state regulator. Last verified 2026-10-09. ## At a glance - Earliest state license record: July 23, 2024 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Florida (FL, confirmed), Pennsylvania (PA, confirmed), District of Columbia (DC, lender_reported), Delaware (DE, lender_reported), Georgia (GA, lender_reported), Maryland (MD, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Virginia (VA, lender_reported), West Virginia (WV, 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 - **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.atlanticcoastmortgage.com/lo/kristi-hardy/ ## 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. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: more than 20. Source: https://www.atlanticcoastmortgage.com/lo/kristi-hardy/, verified 2026-10-09. - education: Virginia Tech honors graduate, Xinnix Mortgage Academy in Atlanta, Georgia. Source: https://www.atlanticcoastmortgage.com/lo/kristi-hardy/, verified 2026-10-09. - credential: Lifetime Achievement Award, Elite Producer & Best Mortgage Professional (Washingtonian Magazine). Source: https://www.atlanticcoastmortgage.com/lo/kristi-hardy/, verified 2026-10-09. - credential: Best of Loudoun – Loan Officer, 12 Consecutive Years (2013-2024). Source: https://www.atlanticcoastmortgage.com/lo/kristi-hardy/, verified 2026-10-09. - credential: Top 1% of Mortgage Originators in America since 2016. Source: https://www.atlanticcoastmortgage.com/lo/kristi-hardy/, verified 2026-10-09. - credential: Top 5 Woman Originator in Virginia since 2021. Source: https://www.atlanticcoastmortgage.com/lo/kristi-hardy/, verified 2026-10-09. - role: At-Large Director, Virginia Mortgage Bankers Association. Source: https://www.atlanticcoastmortgage.com/lo/kristi-hardy/, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO130483 | active | confirmed | 2024-07-23 | state_regulator | 2026-10-09 | | PA | state_license | 109989 | active | confirmed | | state_regulator | 2026-10-10 | | DC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | DE | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | SC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: Atlantic Coast Mortgage (NMLS 643114), Fairfax, VA. Source: https://www.atlanticcoastmortgage.com/lo/kristi-hardy/, 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/194938 ## Contact - linkedin_url: https://www.linkedin.com/in/lender2thestars/ (source: lender_site, verified 2026-10-09) - View profile at Atlantic Coast Mortgage: https://www.atlanticcoastmortgage.com/lo/kristi-hardy/ ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/194938 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://data.pa.gov/d/tyxc-jyug - lender_site: https://www.atlanticcoastmortgage.com/lo/kristi-hardy/ Cite as: Kristi Hardy (NMLS 194938), Atlantic Coast Mortgage. LenDb.ai, https://lendb.ai/lo/kristi-hardy-194938, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._