Rick Cogswell
I offer personalized, transparent service and tailored solutions for a smooth, stress-free home financing experience.
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About
Rick Cogswell
Why Richard Cogswell?
With over 35 years of experience, Richard “Rick” Cogswell is a Producing Licensed Branch Manager with LeaderOne Financial, proudly serving homeowners, buyers, and real estate partners across Florida. Rick and his team are known for one thing above all else: smooth, on-time closings with no surprises. Clear communication, proactive problem-solving, and world-class service are not buzzwords here—they’re the standard.
Rick understands that no two borrowers are alike. Whether you’re a first-time homebuyer, move-up buyer, seasoned investor, or navigating a complex financial scenario, he brings deep knowledge, strategic insight, and a wide range of competitive loan programs to match your goals. His approach is simple: educate, guide, and advocate—so clients feel confident every step of the way.
Transparency is at the core of Rick’s process. He believes mortgages shouldn’t feel mysterious or stressful (they’re big enough already). Clients receive straight answers, upfront expectations, and consistent updates, ensuring potential issues are addressed long before they can derail a transaction.
Beyond lending, Rick is deeply invested in his community. He serves as Treasurer of Saint Coleman’s Men’s Club in Pompano Beach, helping organize charitable initiatives including fishing tournaments benefiting Special Olympics, holiday programs for underprivileged families, and fundraisers supporting shelters and women in distress. He is also active with Offshore Anglers and Saint Ambrose Catholic Church in Deerfield Beach, contributing time and leadership to causes that strengthen the local community.
The LeaderOne Financial Commitment
• Treat every client fairly, honestly, and with respect
• Offer a broad selection of competitive mortgage solutions
• Provide clear, upfront information—no surprises
• Communicate promptly and do what we say we’ll do
Rick believes trust is earned, not assumed. When you work with him and his team, you’re not just getting a mortgage—you’re gaining a long-term partner committed to helping you achieve homeownership with confidence, clarity, and peace of mind.
Your home loan journey, right from your phone
The LeaderOne App makes getting started simple. Begin your application, securely connect your income and employment information, and complete verification—all from your mobile device. Everything syncs seamlessly, giving you a clear path forward while your LeaderOne loan partner guides you each step of the way.
Your information is protected with industry-leading security, matched to the right loan options, and moved quickly from application to approval. No pressure. No obligation. Just a smarter, smoother way to move home.
How to Get Approved
Get a head start by securing your pre-approval. This step helps you understand how much you can borrow, giving you a clear picture of your budget and boosting your confidence when house hunting.
Now that you know your budget, it’s time to find the perfect home! Your real estate agent and our team will work together to ensure your dream home is within reach.
Once you’ve found the home, the next step is submitting your official loan application. We’ll guide you through providing all the necessary documentation to make this process as smooth as possible.
During underwriting, we carefully review your financial information and the property details. This ensures everything meets the required guidelines. Our team will keep you updated throughout the process.
Mortgage Calculator
Enter the total loan amount you want to borrow.
Download Your Homebuying Guide
Fill out this form to get instant access to your free homebuyer guide and start your journey to owning your dream home. Inside, you’ll find expert tips and simple steps to make the process easy and confident.
More About Us
Who we are
LeaderOne is built on the belief that homeownership should feel clear, supportive, and empowering, not overwhelming. For more than three decades, we have combined modern mortgage tools with genuine personal guidance to help families move forward with confidence. We listen closely, communicate transparently, and tailor every experience to the goals of the people we serve.
Our Values
At LeaderOne, we put People First while using Continuous Innovation to make the loan process faster and clearer. Through Empowered Collaboration and the Power to ACT, our teams work together to solve problems quickly and serve clients with confidence. Every interaction is guided by personal care, accountability, and doing what’s right.
Our Impact
At LeaderOne, every loan we close helps support families beyond our own. A portion of each transaction goes directly into the Lending a Hand Foundation, providing financial relief to families facing hardship, through assisting with rent and mortgage payments. Our giving culture also extends into the communities we serve through local outreach, volunteerism, and hands-on support.
