Florida › Coral Gables › Cogent Bank
Cogent Bank
Cogent Bank is a bank: it an FDIC-insured depository institution that lends its own money and offers its own loan products. It has 11 licensed Florida offices: Bradenton, Clearwater, Coral Gables, Fort Myers, Jacksonville, Naples, Ocala, Orange City and more.
| Kind | Bank |
| License or charter | FDIC-insured bank |
| Florida offices | Bradenton, Clearwater, Coral Gables, Fort Myers, Jacksonville, Naples, Ocala, Orange City, Orlando, Tampa, Winter Park |
| Legal entity | Cogent Bank, LEI 54930046JONFO0FON766, Active |
| Counties | Collier, Duval, Hillsborough, Lee, Manatee, Marion, Miami-Dade, Orange, Volusia |
| Website | cogentbank.com |
| Phone | (888) 577-0404 |
| Address shown on its site | 999 Vanderbilt Beach Road, Suite 100 Naples, FL 34108 |
Loan types Cogent Bank lists
Read from the firm’s own website on October 15, 2026. Lender-stated, not verified by LendResearch. Each links to the other Coral Gables firms offering it.
- Asset depletion loans
- Bridge loans
- Business acquisition loans
- Commercial real estate loans
- Construction loans
- Conventional mortgages
- Equipment financing
- FHA loans
- Hotel financing
- Investment property and rental loans
- Jumbo loans
- Mixed use property financing
- Net lease financing
- Office building financing
- Refinance
- SBA loans
- Small business loans
- USDA loans
- USDA business loans
- Industrial property financing
Bank facts from the FDIC
| Total assets | $2,454,078,000 |
| Deposits | $2,188,638,000 |
| Offices nationwide | 11 |
| Florida offices | 11 |
| Return on assets | 2.22% |
| Established | 1999 |
| Headquarters | Orlando, FL |
| Holding company | COGENT BCORP INC |
FDICFDIC institution record for certificate 34908, latest quarterly filing. Dollar figures as reported.
No 2025 HMDA filing matched to this firm yet. Lenders below the federal reporting threshold do not file.
Cogent Bank offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| Orlando | 420 S Orange Ave 32801 | Principal office | |
| Bradenton | 1001 3rd Ave W 34205 | Branch | |
| Clearwater | 2536 Countryside Blvd 33763 | Branch | |
| Coral Gables | 55 Merrick Way 33134 | Branch | |
| Fort Myers | 14421 Metropolis Ave 33912 | Branch | |
| Jacksonville | 5011 Gate Pkwy 32256 | Branch | |
| Naples | 999 Vanderbilt Beach Rd 34108 | Branch | |
| Ocala | 4 Se Broadway Street 34471 | Branch | |
| Orange City | 1113 Saxon Blvd 32763 | Branch | |
| Tampa | 1715 N West Shore Blvd 33607 | Branch | |
| Winter Park | 655 W Morse Blvd 32789 | Branch |
As of October 15, 2026Source: FDIC office and branch records. Addresses are as filed; call before visiting.
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Miami-Dade County at a glance
| Mortgage applications filed in 2025 | 82,858 |
| Loans originated | 34,236 |
| Denial rate | 23% |
| FHA share of originations | 14% |
| VA share | 2% |
| Investor and second home share | 21% |
| Dollar volume originated | $20,298,470,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $667,000 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Miami-Dade County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.