Mortgage lenders in Charlotte County
7,431 mortgages were made in Charlotte County, Florida, in 2025, by 648 lenders. The median rate their borrowers got was 6.625% on a median loan of $255,000. Of 10,333 decisions, 2,474 were denials — 23.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 649 | 6.375% | $285,000 | 16.8% |
| LENNAR MORTGAGE, LLC | 616 | 5.990% | $275,000 | 25.0% |
| Rocket Mortgage, LLC | 482 | 6.750% | $225,000 | 24.6% |
| Suncoast Credit Union | 385 | 7.250% | $85,000 | 20.3% |
| DHI MORTGAGE COMPANY, LTD. | 224 | 5.500% | $270,000 | 11.0% |
| Loandepot.Com, LLC | 157 | 6.625% | $235,000 | 21.6% |
| THE LOAN STORE, INC. | 124 | 6.875% | $255,000 | 6.8% |
| PENNYMAC LOAN SERVICES, LLC | 122 | 6.625% | $295,000 | 21.0% |
| Regions Bank | 115 | 4.990% | $65,000 | 42.4% |
| LAKE MICHIGAN CREDIT UNION | 115 | 6.375% | $305,000 | 10.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 114 | 6.750% | $255,000 | 13.2% |
| Mortgage Research Center, LLC | 103 | 6.250% | $295,000 | 34.0% |
| Bank of America, National Association | 92 | 6.240% | $140,000 | 42.3% |
| NEWREZ LLC | 88 | 6.750% | $295,000 | 37.3% |
| CHAMPIONS FUNDING, LLC | 73 | 7.500% | $275,000 | 11.0% |
| Broker Solutions, Inc. | 70 | 6.750% | $245,000 | 20.2% |
| Fifth Third Bank, National Association | 69 | 7.490% | $125,000 | 40.0% |
| Truist Bank | 69 | 6.875% | $135,000 | 46.0% |
| LOWER, LLC | 68 | 6.688% | $235,000 | 16.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 68 | 6.750% | $275,000 | 4.2% |
| FREEDOM MORTGAGE CORPORATION | 67 | 6.250% | $305,000 | 15.0% |
| Crews Bank & Trust | 64 | Not published | $265,000 | 4.4% |
| JPMorgan Chase Bank, National Association | 63 | 6.750% | $255,000 | 18.8% |
| ACHIEVA CREDIT UNION | 62 | 7.250% | $105,000 | 32.1% |
| Kiavi Funding, Inc. | 62 | 9.500% | $245,000 | 20.5% |
| INSPIRE HOME LOANS INC. | 60 | 4.875% | $275,000 | 25.9% |
| PULTE MORTGAGE LLC | 60 | 5.058% | $385,000 | 14.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 6.250% | $340,000 | 6.3% |
| Taylor Morrison Home Funding, Inc. | 59 | 6.375% | $265,000 | 21.3% |
| ZILLOW HOME LOANS, LLC | 58 | 6.500% | $275,000 | 6.5% |
| THE MORTGAGE FIRM, INC. | 57 | 6.875% | $245,000 | 4.6% |
| Navy Federal Credit Union | 53 | 6.875% | $235,000 | 31.7% |
| KIND LENDING, LLC | 50 | 6.625% | $285,000 | 31.1% |
| Ixonia Bank | 50 | 6.750% | $275,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 49 | 6.990% | $135,000 | 40.0% |
| GUARANTEED RATE, INC. | 47 | 6.525% | $275,000 | 19.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 47 | 6.375% | $365,000 | 8.5% |
| CMG MORTGAGE, INC. | 47 | 6.375% | $295,000 | 10.9% |
| RMC HOME MORTGAGE, LLC | 45 | 6.375% | $335,000 | 6.3% |
| Wells Fargo Bank, National Association | 44 | 6.375% | $240,000 | 30.2% |
| NATIONSTAR MORTGAGE LLC | 43 | 7.750% | $125,000 | 24.6% |
| A&D Mortgage LLC | 41 | 7.125% | $245,000 | 14.6% |
| MOVEMENT MORTGAGE, LLC | 41 | 6.990% | $245,000 | 6.0% |
| EVERETT FINANCIAL, INC. | 40 | 6.875% | $255,000 | 13.0% |
| GUILD MORTGAGE COMPANY | 37 | 6.500% | $245,000 | 8.7% |
| PNC Bank, National Association | 35 | 7.450% | $125,000 | 46.2% |
| Paramount Residential Mortgage Group, Inc. | 35 | 6.875% | $275,000 | 14.6% |
| M/I FINANCIAL, LLC | 35 | 4.875% | $275,000 | 2.4% |
| Mortgage Right | 34 | 6.625% | $320,000 | 2.9% |
| COASTAL LOANS, LLC | 33 | 4.990% | $295,000 | 8.3% |
| TrustCo Bank | 32 | 5.875% | $205,000 | 29.2% |
| GERSHMAN INVESTMENT CORP. | 32 | 6.250% | $270,000 | 0.0% |
| FIGURE LENDING LLC | 30 | 8.575% | $70,000 | 31.0% |
| Granite Bank | 29 | 6.625% | $285,000 | 14.7% |
| U.S. Bank National Association | 27 | 6.500% | $325,000 | 34.2% |
| Cornerstone First Mortgage, Inc | 27 | 6.250% | $245,000 | 0.0% |
| SPRING EQ, LLC | 26 | 8.700% | $75,000 | 64.8% |
| Fairway Independent Mortgage Corporation | 26 | 6.688% | $265,000 | 10.3% |
| UNION HOME MORTGAGE CORP. | 26 | 6.500% | $260,000 | 10.0% |
| LAKEVIEW LOAN SERVICING, LLC | 25 | 6.875% | $315,000 | 55.1% |
| Coastal Community Bank | 25 | 9.990% | $45,000 | 4.4% |
| Citizens Bank, National Association | 25 | 7.900% | $165,000 | 35.9% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 25 | 10.500% | $425,000 | 13.8% |
| AMWEST FUNDING CORP. | 24 | 6.750% | $230,000 | 0.0% |
| EMBRACE HOME LOANS, INC. | 24 | 5.990% | $305,000 | 3.7% |
| HOMEXPRESS MORTGAGE CORP. | 23 | 7.999% | $225,000 | 45.2% |
| Commerce Home Mortgage, Inc. | 21 | 7.750% | $245,000 | 25.0% |
| SouthState Bank, National Association | 21 | 7.000% | $225,000 | 29.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 21 | 7.000% | $285,000 | 27.6% |
| PREMIUM MORTGAGE CORPORATION | 21 | 6.500% | $295,000 | 12.5% |
| NVR Mortgage Finance, Inc. | 19 | 6.125% | $325,000 | 47.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 19 | 9.915% | $235,000 | 13.0% |
| PARK SQUARE HOME MORTGAGE, LLC | 19 | 5.490% | $295,000 | 0.0% |
| OCMBC, INC. | 18 | 6.625% | $310,000 | 35.1% |
| NFM, INC. | 18 | 6.490% | $290,000 | 14.3% |
| COAST ONE MORTGAGE LLC | 18 | 7.058% | $260,000 | 0.0% |
| MORTGAGE 1 INCORPORATED | 17 | 6.625% | $295,000 | 0.0% |
| FBC MORTGAGE, LLC | 17 | 5.490% | $335,000 | 10.5% |
| AmeriSave Mortgage Corporation | 16 | 9.500% | $60,000 | 80.7% |
| NEW DAY FINANCIAL, LLC | 16 | 6.990% | $250,000 | 56.4% |
| DEEPHAVEN MORTGAGE LLC | 16 | 6.990% | $200,000 | 41.4% |
| Reliable Holdings Manager dba Lendz Financial | 16 | 7.500% | $230,000 | 5.9% |
| PLAZA HOME MORTGAGE, INC. | 16 | 6.688% | $245,000 | 32.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 16 | 6.313% | $345,000 | 4.8% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 16 | 6.370% | $245,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 14 | 7.000% | $230,000 | 63.2% |
| AMERICAN HERITAGE LENDING, LLC | 14 | 7.500% | $205,000 | 18.2% |
| CLEAREDGE LENDING LLC | 14 | 7.188% | $320,000 | 6.7% |
| PLANET HOME LENDING, LLC | 14 | 6.058% | $240,000 | 12.5% |
| Easy Street Capital, LLC | 14 | 9.900% | $200,000 | 0.0% |
| 21st Mortgage Corporation | 13 | 9.120% | $145,000 | 69.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 13 | 5.875% | $295,000 | 10.0% |
| HARBORONE MORTGAGE, LLC | 13 | 6.750% | $225,000 | 13.3% |
| EMM LOANS LLC | 13 | 6.625% | $385,000 | 0.0% |
| MIDFLORIDA | 12 | 6.490% | $165,000 | 60.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 12 | 6.312% | $305,000 | 34.6% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 12 | 7.374% | $185,000 | 14.3% |
| SPACE COAST CREDIT UNION | 12 | 4.240% | $125,000 | 27.3% |
| Citadel Servicing Corporation | 12 | 7.438% | $215,000 | 5.9% |
| RESICENTRAL, LLC | 12 | 6.558% | $305,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 12 | 6.250% | $260,000 | 0.0% |
| Equity Prime Mortgage LLC | 11 | 6.250% | $205,000 | 45.0% |
| Synovus Bank | 11 | 7.100% | $255,000 | 50.0% |
| BayFirst National Bank | 11 | 7.500% | $155,000 | 40.9% |
| TD Bank, National Association | 11 | 7.190% | $245,000 | 40.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 11 | 6.375% | $245,000 | 8.3% |
| FINANCE OF AMERICA REVERSE LLC | 11 | 6.500% | $125,000 | 15.4% |
| GENEVA FINANCIAL, LLC | 11 | 7.125% | $235,000 | 0.0% |
| Luminate Bank | 11 | 6.875% | $285,000 | 8.3% |
| Northpointe Bank | 11 | 7.000% | $245,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 11 | 6.875% | $195,000 | 0.0% |
| AMERICAN FINANCING CORPORATION | 10 | 6.500% | $235,000 | 56.0% |
| Bank OZK | 10 | 5.490% | $100,000 | 45.0% |
| Bell Bank | 10 | 6.625% | $315,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 30.8% |
| BMO Bank National Association | 9 | Under 10 loans | Under 10 loans | 47.1% |
| Home Mortgage Alliance Corporation (HMAC) | 9 | Under 10 loans | Under 10 loans | 25.0% |
| STOCKTON MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Plains Commerce Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| FLORIDA CENTRAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 16.7% |
| 254900CTT87ZKAUTIJ37 | 9 | Under 10 loans | Under 10 loans | 35.7% |
| Waterstone Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 18.2% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 8 | Under 10 loans | Under 10 loans | 37.0% |
| GoodLeap, LLC | 8 | Under 10 loans | Under 10 loans | 40.0% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 55.6% |
| PENTAGON FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 46.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LIMA ONE CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| VAN DYK MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| 2549005FUF02T1IFCA22 | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 63.2% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 42.1% |
| Click n' Close, Inc. | 7 | Under 10 loans | Under 10 loans | 10.0% |
| DOMINION FINANCIAL SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Lendage, LLC | 7 | Under 10 loans | Under 10 loans | 27.3% |
| The Huntington National Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| SmartFi Home Loans, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| RBC Bank, (Georgia) National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| LENDSURE MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DFCU FINANCIAL | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 88.5% |
| LENDINGONE, LLC | 6 | Under 10 loans | Under 10 loans | 80.0% |
| STG MORTGAGE INC | 6 | Under 10 loans | Under 10 loans | 30.0% |
| LoanUnited.com, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CALCON MUTUAL MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Logan Finance Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Prosperity Home Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Busey Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| MY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Seacoast National Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 16.7% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LONGBRIDGE FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| The Dart Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NexBank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| VISTA POINT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Towne Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 4 | Under 10 loans | Under 10 loans | 63.6% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 37.5% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Old National Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Mid-Continent Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NQM FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FAIRWAY FUNDING GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Helm Bank USA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Loan Simple, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 448 lenders each made 4 or fewer mortgages here, and are counted in the totals above.
Bank branches in Charlotte County
41 FDIC-insured branches from 12 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Crews Bank & Trust | 8 | $826.7 million |
| Wells Fargo Bank, National Association | 6 | $1.2 billion |
| Truist Bank | 4 | $719.2 million |
| Fifth Third Bank, National Association | 4 | $339.5 million |
| Regions Bank | 4 | $339.1 million |
| Bank of America, National Association | 3 | $849.9 million |
| Bank OZK | 3 | $456.5 million |
| Pinnacle Bank | 3 | $265.4 million |
| JPMorgan Chase Bank, National Association | 2 | $272.2 million |
| Centennial Bank | 2 | $229.1 million |
| BMO Bank National Association | 1 | $61.5 million |
| TrustCo Bank | 1 | $37.9 million |
Closed since the 2025 survey
4 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Synovus Bank, 125 Nesbit St, Punta Gorda
- Synovus Bank, 1255 Tamiami Trl, Port Charlotte
- Synovus Bank, 3100 S Mccall Rd, Englewood
- Wells Fargo Bank, National Association, 3195 Tamiami Trl, Port Charlotte
Get told when this changes
When the next year’s lending figures are out for Charlotte County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.