Kristi Hardy has been voted “The Best Loan Officer” in Loudoun County each year for 9 YEARS IN A ROW (2013-2020) by Leesburg Today/Loudoun Times-Mirror and “Loudoun’s Favorite Mortgage Broker” by LoudounNow for 2016 & 2017, 1st Runner up in 2018, and then reclaimed her title in 2019 & 2020! & “Best Loan Officer” of Fairfax by The Sun Gazette, listed in the Top 1% Mortgage Originators in America listed in  Mortgage Executive Magazine for 2016-2019, and also ranked in the Top Women Originators for 2018-2020 by Scotsman Guide!


Kristi is a Vice President and Senior Loan Officer with Atlantic Coast Mortgage, LLC. With over 25 years of experience in consumer lending. Kristi is dedicated to providing exceptional customer service and knowledge you can trust. Kristi has goals of making each client feel comfortable and maintaining her clients as friends for life.


Kristi began her mortgage career in 2004 when she graduated from the Xinnix Mortgage Academy in Atlanta, Georgia. The Xinnix School honored her as a top producer and number one in her class. Before becoming a Xinnix Certified Originator, XCO, Kristi graduated with honors from Virginia Tech in 1992 with a Bachelor of Science in Marketing Management and a minor in Sociology.


Having over 6 years of sales, marketing, lending, and management experience with Enterprise Rent a Car, Kristi took several years off to pursue her dream of traveling the world.


Kristi’s mortgage lending experience includes working at CTX Mortgage, George Mason Mortgage, and SWBC Mortgage. Kristi has been consistently a top producer locally and nationally. Kristi was chosen to be a Guest Speaker at CTX Mortgage’s National conference because she was the number one Rookie of the Year for the company. Mortgage Originator Magazine ranked her as #7 Rookie of the Year for 2005 in the nation. Kristi was also featured in an article titled “Rookie Superstar of the Month” in Mortgage Originator Magazine in June 2006. Kristi has received the highest customer service and production awards year after year.


Kristi enjoys spending time with her family, including her two boys. She enjoys reading, traveling, yoga, snowboarding, and real estate investing. Kristi participates in many social organizations and enjoys helping others achieve their dreams of homeownership.

Licensed in:
District of Columbia, Maryland, Virginia, West Virginia
Awards & Achievements
  • Scotsman Guide, Top Originators 2021
  • Scotsman Guide, Top Women Originators 2018-2021
  • President's Club, Atlantic Coast Mortgage (2020)
  • Mortgage Executive Magazine, Top 1% Mortgage Originators 2016-2020
  • Loudoun Times-Mirror, Best of Loudoun Mortgage Professional 2013-2020
  • LoudounNow, Loudoun's Favorite 2016, 2017, 2019, 2020
  • The Sun Gazette, Best Loan Officer of Fairfax 2019

What Others Are Saying About Kristi

“Every step was clearly explained and the process was easy and efficient. The results were the best they could have possibly been. Good rate and no real cost. Thanks ever so much!”
“Kristi has been great about checking in with us to see if we could get a better rate. We were hesitant to refinance again since we just did last year, but Kristi put together a great plan for us. The entire process was quick and easy. The entire team was very helpful and nice to work with.”
“Team Hardy is the full package--Kristi's experience and reputation in the industry helps buyers win bids, loan officers clearly explain the conditions, and processors follow up promptly with any information requests. Our case was complicated as we just moved back from overseas, but Team Hardy did the best to help us close. I'd highly recommend this competent team to all homebuyers! ”
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The Kristi Hardy Team at Atlantic Coast Mortgage

Kristi Hardy's Profile Photo
Kristi Hardy

VP, Senior Loan Officer
NMLS ID 194938

Jeremy Kendall, CPA's Profile Photo
Jeremy Kendall, CPA

Loan Officer
NMLS ID 2045482

Dana Chapman's Profile Photo
Dana Chapman

Team Production Manager
NMLS ID 890671

Maggie Yost's Profile Photo
Maggie Yost

Team Production Manager
NMLS ID 1026308

Chris Glazewski's Profile Photo
Chris Glazewski

Senior Loan Processor

Ciara Thomas's Profile Photo
Ciara Thomas


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Homebuying Essentials

Kristi Hardy's Profile Image

Kristi Hardy

VP, Senior Loan Officer NMLS ID 194938

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Address 20365 Exchange Street, Suite 300
Ashburn, VA 20147

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