---
canonical_url: https://lendb.ai/lo/melvin-hardy-382068
json_url: https://lendb.ai/lo/melvin-hardy-382068.json
nmls_id: 382068
last_verified: 2026-10-15
---

# Mel Hardy

Loan Officer at The Mortgage Link, Inc., Rockville, MD. NMLS ID 382068 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/382068)).

**Summary:** Mel Hardy (NMLS 382068) is Loan Officer at The Mortgage Link, Inc., based in Rockville, MD. Licensed in Florida, confirmed with the state regulator (license LO144373). Also lists Maryland and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan and Bank statement loan. Earliest state license record: January 22, 2026 (Florida), per state regulator. States 20 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: January 22, 2026 (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://www.themortgagelink.com/loan-officer/mel-hardy, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed), Maryland (MD, lender_reported), Virginia (VA, lender_reported)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- **VA loan** (`va`): from their lender profile page, confidence 0.90, verified 2026-10-15. Source: https://www.themortgagelink.com/loan-officer/mel-hardy
- **Bank statement loan** (`bank-statement`): from their lender profile page, confidence 0.60, verified 2026-10-15. Source: https://www.themortgagelink.com/loan-officer/mel-hardy

## About

Mel Hardy is a Loan Officer in Rockville, MD, with over 20 years of experience serving clients in Maryland and Virginia. Their profile lists VA loans as a specialty, and they say they handle challenging loans, including bank statement loans.

Source: LenDb summary of the lender page, verified 2026-10-15.

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.themortgagelink.com/loan-officer/mel-hardy, verified 2026-10-15.
- service_area: Maryland and Virginia. Source: https://www.themortgagelink.com/loan-officer/mel-hardy, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO144373 | active | confirmed | 2026-01-22 | state_regulator | 2026-10-15 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |

## Employment history

- ? to present: The Mortgage Link, Inc. (NMLS 113054), Rockville, MD. Source: https://www.themortgagelink.com/loan-officer/mel-hardy, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/382068

## Contact

- View profile at The Mortgage Link, Inc.: https://www.themortgagelink.com/loan-officer/mel-hardy
- Office phone and Email on file: shown at https://lendb.ai/lo/melvin-hardy-382068#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/382068
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.themortgagelink.com/loan-officer/mel-hardy
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Mel Hardy (NMLS 382068), The Mortgage Link, Inc.. LenDb.ai, https://lendb.ai/lo/melvin-hardy-382068, last verified 2026-10-15.

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