Cogent Bank: 2025 mortgage rates, costs & approvals
How Cogent Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Cogent Bank · LEI 54930046JONFO0FON766
In 2025, Cogent Bank originated 108 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 10 states — 1772nd by volume among the 2,017 lenders profiled here.
It denied 6.2% of completed home-purchase applications (all lenders: 8.5%).
How Cogent Bank priced home-purchase loans
| Purchase loans, 2025 | Cogent Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | — | +0.13 pts |
| Total loan costs · conventional | — | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | — | $1,860 |
| Borrowers paying discount points | — | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | — | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where Cogent Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Florida | 102 | 115 | 5.5% | — | — |
| Georgia | 1 | 1 | — | — | — |
| North Carolina | 1 | 1 | — | — | — |
| New York | 1 | 1 | — | — | — |
| Tennessee | 1 | 1 | — | — | — |
| Texas | 1 | 1 | — | — | — |
| West Virginia | 1 | 1 | — | — | — |
| Alabama | 0 | 1 | — | — | — |
| Maryland | 0 | 1 | — | — | — |
| Oklahoma | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Cogent Bank's page for that state.
Counties where Cogent Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Taylor County, WV | 23 | 1 | 0.8% |
Check Cogent Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 54930046JONFO0FON766.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Cogent Bank with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology