Atlantic Bay Grows Its Heartland Roots in Ohio
Kevin Cooke will lead the new Ohio team as Atlantic Bay ships a locally-minded, relationship-first lending to the Buckeye State.

Ask someone house hunting around Cincinnati where they’re looking, and you might get three states in one answer. A family could tour a home in Northern Kentucky on Saturday, walk through one in southeast Indiana on Sunday, and fall for a place in Ohio by Monday morning.
Starting today, Atlantic Bay can be with them for all of it.
Atlantic Bay Mortgage Group® is officially expanding into Ohio. The move connects our existing presence in Indiana and Kentucky and completes our footprint across the tri-state region. It’s also the latest step in a busy stretch of growth that includes the recent opening of our first Louisiana branch.
Ohio is a natural fit for the way we work. It has major metros, smaller cities and close-knit communities, and that mix lines up well with how Atlantic Bay has always operated. Decisions get made locally by people who know the market, and a central support team behind them keeps every loan moving.
Why this all matters to you
If you’re buying or refinancing in Ohio, you’ll work with a Mortgage Banker who knows your community. You’ll also have a full range of loan options, including Conventional, FHA, VA, USDA and jumbo. If your home search crosses a state line, you can keep the same lender.
If you’re a real estate agent, your clients can look in Ohio, Kentucky and Indiana and stay with one Atlantic Bay Mortgage Banker the whole way. That means fewer handoffs and direct access to the people making decisions on the loan. When it’s time to close, you’ll know exactly who to call.
If you’re a Mortgage Banker or industry pro, Ohio is a chance to help build something from the ground floor. You’d be joining a company named the No. 1 Best Large Mortgage Company to Work For by National Mortgage News four years running. Our people stay with us an average of seven years, which is real staying power in an industry known for its cycles.
The fearless leader
Kevin Cooke, Executive Vice President and Regional Manager, will lead our efforts in Ohio. Kevin has been part of the Atlantic Bay team dating back to 2015. His focus is building a strong local team grounded in the personal service and community relationships that define how we lend.
“We’re excited to expand Atlantic Bay’s presence into Ohio and strengthen our ability to serve families and communities throughout America’s Heartland,” shared Cooke.
Ohio is a natural extension of our growing footprint and completes our presence across the Kentucky, Indiana and Ohio tri-state region.
“We believe in building lasting relationships, investing in the communities we serve and helping more families achieve homeownership, and we’re looking forward to bringing that same commitment to Ohio,” concluded Cooke.
And Emily Farley Gardner, Chief Lending Officer, says the support behind each Mortgage Banker is a big part of what makes the model work.
“Our Mortgage Bankers do their best work when they know the people behind them are just as invested in homebuyers as they are,” said Gardner. “They can get answers, reach decision-makers, and trust the teams supporting their loans.”
As we grow in Ohio, we’re looking for people who value that kind of collaboration and want to build their business in a place where relationships still come first.
Grow with us in Ohio
Are you an experienced Mortgage Banker in Ohio? If building your business with a team that has your back sounds right, we’d love to hear from you. Learn more at JoinAtlanticBay.com.
Oh hi, Ohio! 👋 Atlantic Bay is officially lending in the Buckeye State, connecting our teams in Kentucky and Indiana across the tri-state.
“We believe in building lasting relationships, investing in the communities we serve and helping more families achieve homeownership, and we’re looking forward to bringing that same commitment to Ohio.” - Kevin Cooke, Executive Vice President and Regional Manager
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