Community Reinvestment Act (CRA) | Cogent Bank

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Routing Number

Our Bank Routing and Transit Number is: 063114661

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Community Reinvestment Act (CRA)

Cogent Bank is committed to meeting the financial needs of the communities we live in, work, and serve and have a positive impact.  We are pleased to provide this information for public inspection on our website.

Public Information Available for Inspection

In compliance with the requirements of the Community Reinvestment Act (CRA), Cogent Bank maintains, and make available for public inspection, a copy of our CRA Public File, current as of April 1 of each year, and updated periodically.  By providing this information online, we can keep information current with convenient access.

CRA Performance Evaluation

Public Comments

Current CRA Branch List, Opening and Close Lists

Fee Schedules

HMDA Disclosure Statements

Effective January 1, 2024, the Home Mortgage Disclosure Act (HMDA) data about our residential mortgage lending are available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.

This data is available online at the Consumer Financial Protection Bureau’s website here. HMDA data for many other financial institutions are also available at this website.

Assessment Areas

Products and Services Offered

Loan to Deposit Ratio

Any comments or questions about this portion of Cogent Bank’s CRA performance may be addressed to:

Community Reinvestment Act (CRA) Officer
Cogent Bank
420 S Orange Ave, Suite 150
Orlando, FL 32801

CRA Public File Requests

If you would like to receive a hard copy of this file, please complete and return the request form to WebsiteInquiry@cogentbank.net. Please include the following information with your request:

  • First and last name
  • Address
  • City, State Zip
  • Email address
  • Phone number
  • Cogent deposit account holder?  Yes or no?