Cogent Bank
Cogent Bank received 224 applications in 2025 and made 171 mortgages, in 51 counties across 17 states. The median rate its borrowers got was Not published on a median loan of $395,000. Of 198 decisions, 17 were denials — 8.6%.
| Legal Entity Identifier | 54930046JONFO0FON766 |
|---|---|
| Applications received | 224 |
| Mortgages made | 171 |
| Denied | 17 |
| Approved, not taken up | 10 |
| Withdrawn or incomplete | 26 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Cogent Bank, 11 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 120 | Not published | $385,000 | 7.2% |
| Refinancing | 18 | Not published | $540,000 | 5.3% |
| Cash-out refinancing | 18 | Not published | $445,000 | 13.0% |
| Other purposes | 15 | Not published | $385,000 | 16.7% |
Where Cogent Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sarasota County, FL | 45 | Not published | 6.0% |
| Manatee County, FL | 12 | Not published | 14.3% |
| Duval County, FL | 11 | Not published | 0.0% |
| Marion County, FL | 10 | Not published | 0.0% |
| Orange County, FL | 9 | Under 10 loans | 10.0% |
| Collier County, FL | 8 | Under 10 loans | 0.0% |
| Pinellas County, FL | 8 | Under 10 loans | 0.0% |
| Seminole County, FL | 8 | Under 10 loans | 11.1% |
| Hillsborough County, FL | 6 | Under 10 loans | 14.3% |
| St. Johns County, FL | 5 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 4 | Under 10 loans | 0.0% |
| Volusia County, FL | 4 | Under 10 loans | 0.0% |
| Lee County, FL | 3 | Under 10 loans | 25.0% |
| Miami-Dade County, FL | 3 | Under 10 loans | 0.0% |
| Osceola County, FL | 3 | Under 10 loans | 0.0% |
| Alachua County, FL | 2 | Under 10 loans | 0.0% |
| Citrus County, FL | 2 | Under 10 loans | 0.0% |
| Monroe County, FL | 2 | Under 10 loans | 0.0% |
| Polk County, FL | 2 | Under 10 loans | 0.0% |
| Grady County, GA | 2 | Under 10 loans | 0.0% |
| Eagle County, CO | 1 | Under 10 loans | 0.0% |
| El Paso County, CO | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| DeSoto County, FL | 1 | Under 10 loans | 50.0% |
| Flagler County, FL | 1 | Under 10 loans | 0.0% |
| Indian River County, FL | 1 | Under 10 loans | 0.0% |
| Martin County, FL | 1 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Chatham County, GA | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 0.0% |
| Gilmer County, GA | 1 | Under 10 loans | 0.0% |
| Union County, GA | 1 | Under 10 loans | 0.0% |
| Mackinac County, MI | 1 | Under 10 loans | 0.0% |
| Wright County, MN | 1 | Under 10 loans | 0.0% |
| Nassau County, NY | 1 | Under 10 loans | 0.0% |
| Jackson County, NC | 1 | Under 10 loans | 0.0% |
| Wake County, NC | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 0.0% |
| Sevier County, TN | 1 | Under 10 loans | 0.0% |
| Sullivan County, TN | 1 | Under 10 loans | 0.0% |
| Travis County, TX | 1 | Under 10 loans | 0.0% |
| Taylor County, WV | 1 | Under 10 loans | 0.0% |
| Covington County, AL | 0 | Under 10 loans | 100.0% |
| St. Lucie County, FL | 0 | Under 10 loans | 100.0% |
| Allen County, IN | 0 | Under 10 loans | Not published |
| Montgomery County, MD | 0 | Under 10 loans | 0.0% |
| Benzie County, MI | 0 | Under 10 loans | 100.0% |
| Pittsburg County, OK | 0 | Under 10 loans | 100.0% |
| Lehigh County, PA | 0 | Under 10 loans | 100.0% |
| Rock County, WI | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.