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Residential Lending

Find the right residential mortgage option to achieve your home-buying goals.

Calculate Your Future

Our easy-to-use financial tools can help you simplify your
decision-making process and make sound financial choices. 

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Residential Lending Details

With competitive rates for home purchase or refinance and attentive service from start to finish, partnering with Cogent Bank can take the guesswork and stress out of the mortgage lending process.  

Available for a primary residence, second homes, vacation homes, or investment properties, we offer a wide range of financing programs including:  

Contact a Cogent Bank Loan Originator today for a free pre-qualification, or to discuss residential loan options tailored to fit your individual financial needs.  We look forward to assisting with your residential financing needs soon!

We’ll always go the extra mile for our client relationships, and ensure we’re acting in their best interest.

Meet the Residential Lending Team

Cogent Bank’s NMLS# 402296

Kimen Rush Allen
Kimen Rush Allen Mortgage Loan Officer
NMLS #2056779
Location: Orlando
Randy Butler
Randy Butler VP, Residential Production Support Manager
Location: Orlando
Lisa Dubiel
Lisa Dubiel VP, Portfolio Lending Relationship Manager
NMLS #1319424
Location: Orlando
Raphael Espejo
Raphael Espejo Residential Sales Manager
NMLS #1397225
Location: Orlando
Keith Hamilton
Keith Hamilton Senior Residential Mortgage Loan Originator
NMLS# 378623
Location: Sarasota
Sean Martin
Sean Martin VP, Residential Lending Manager
NMLS# 324281
Location: Sarasota
Tim Pollard
Tim Pollard VP, Residential Lending Manager
NMLS# 554005
Location: Orlando
Jack Robb
Jack Robb Senior Residential Mortgage Loan Originator
NMLS# 422434
Location: Tampa
Brandon Roth
Brandon Roth EVP, Residential Lending
Location: St. Petersburg
Jason Scott
Jason Scott Senior Residential Mortgage Loan Originator
NMLS# 690802
Location: Orlando

Partner with Cogent Bank for Your Next Home Loan 

Because finding the right home loan can make a difference for you today, and for years to come, finding the right lending partner is crucial. When you work with a local Cogent loan advisor, not only do you benefit from having an accessible, dedicated lender, but you’ll also have the advantage of their knowledge of the  housing market and local real estate connections. And at Cogent Bank, we offer a variety of home loans to meet a wide range of lending needs, from buying a first home to consolidating debt.  

Ready to apply for a home loan? Reach out to a mortgage lender to get started. 

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