Applications / Mortgage Analytics / Lenders / Florida / Cogent Bank
Orlando, FL · State non-member bank · FDIC · $2.4 billion assets · 171 loans in 2025
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171
loans originated, 2025
224
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cogent Bank, based in Orlando, FL, makes big purchase loans in 10 states, and its loan count grew 31% in 2025, faster than at about four in five similar banks.
It filed no HMDA report from 2018 to 2022. It reported 36 loans in 2023, 131 in 2024 and 171 in 2025. Similar lenders (state non-member banks making between half and twice as many loans) grew 10%, as did the whole market. Its dollar volume rose from $65.6 million to $92.9 million.
Purchases were 70.2% of its loans. Its typical loan was $395,000, against $175,000 at similar lenders, larger than at about nineteen in twenty of them. Jumbo loans (larger than the conforming limit) were 6.1% of its lending, against 1.4%.
Borrowers with low and moderate incomes took 16.4% of its loans, against 27.9% at similar lenders, though up from 7.1% a year earlier. Loans of this size may lean toward buyers with higher incomes. Majority-minority neighborhoods took 16.4%, against 5.4%, more than at about three in four of its peers.
Its largest market is North Port-Bradenton-Sarasota, FL, where it ranked 83 of 811 lenders and its share rose from 0.2% to 0.3%. It lends in 27 metros and 42 counties, so no single market dominates its book, not even its home city.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Cogent Bank took 224 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.2% · Refinance 21.1% · Other 8.8%
Conventional 93.0% · FHA 5.3% · VA 1.8% · of 171 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 153 | 89.5% |
| Georgia | 6 | 3.5% |
| Tennessee | 3 | 1.8% |
| Colorado | 2 | 1.2% |
| North Carolina | 2 | 1.2% |
| Michigan | 1 | 0.6% |
| Minnesota | 1 | 0.6% |
| New York | 1 | 0.6% |
| Texas | 1 | 0.6% |
| West Virginia | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| North Port-Bradenton-Sarasota | 57 |
| Orlando-Kissimmee-Sanford | 20 |
| Jacksonville | 16 |
| Ocala | 10 |
| Naples-Marco Island | 8 |
| St. Petersburg-Clearwater-Largo | 8 |
| Tampa | 6 |
| Deltona-Daytona Beach-Ormond Beach | 5 |
| West Palm Beach-Boca Raton-Delray Beach | 4 |
| Cape Coral-Fort Myers | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930046JONFO0FON766 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2847142 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334908 | 2002–2010 |
Established 10 September 1999. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Cogent Bank's data.
Cogent Bank's data
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