Christina Brown, CMB, AMP, CRU

Christina “Chrissy” Zotzmann Brown is the Chief Operations Officer (COO) of Atlantic Bay Mortgage Group, a leading retail-only independent mortgage company known for its commitment to lending peace of mind to homebuyers and homeowners. Founded in 1996, Atlantic Bay specializes in residential lending with a focus on personalized service, responsible lending, and innovative technology. The company closed over $4 billion in loan volume last year and has been recognized as the #1 Best Large Mortgage Company to Work For three consecutive years by National Mortgage News. With more than 25 years of mortgage industry experience, Chrissy has held almost every position in the mortgage industry. She joined Atlantic Bay in 2011 and rose through leadership positions before being named COO in 2021. In her role, she oversees loan operations and enterprise strategy, with a focus on operational excellence, digital innovation, and culture. A Certified Mortgage Banker (CMB), Chrissy serves on advisory councils for the MBA’s IMB Executive Council and LendersOne and is a frequent contributor to industry conversations through podcasts and other platforms. Her leadership has earned her recognition as a HousingWire Finance Leader, Woman of Influence, and recipient of the HousingWire Vanguard Award.