Home purchase lenders in Charlotte County
4,988 home purchase mortgages were made in Charlotte County, Florida, in 2025, by 524 lenders. The median rate their borrowers got was 6.500% on a median loan of $275,000. Of 6,018 decisions, 886 were denials — 14.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| LENNAR MORTGAGE, LLC | 616 | 5.990% | $275,000 | 25.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 480 | 6.499% | $285,000 | 10.8% |
| DHI MORTGAGE COMPANY, LTD. | 224 | 5.500% | $270,000 | 11.0% |
| Rocket Mortgage, LLC | 221 | 6.625% | $265,000 | 15.3% |
| Loandepot.Com, LLC | 117 | 6.375% | $245,000 | 6.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 97 | 6.750% | $265,000 | 7.6% |
| Mortgage Research Center, LLC | 96 | 6.250% | $295,000 | 15.0% |
| Suncoast Credit Union | 92 | 5.625% | $265,000 | 12.3% |
| THE LOAN STORE, INC. | 88 | 6.750% | $260,000 | 2.1% |
| PENNYMAC LOAN SERVICES, LLC | 83 | 6.624% | $315,000 | 14.4% |
| LAKE MICHIGAN CREDIT UNION | 78 | 6.250% | $405,000 | 4.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 65 | 6.750% | $275,000 | 3.0% |
| LOWER, LLC | 62 | 6.625% | $245,000 | 15.1% |
| PULTE MORTGAGE LLC | 60 | 5.058% | $385,000 | 14.3% |
| INSPIRE HOME LOANS INC. | 59 | 4.875% | $275,000 | 26.2% |
| Taylor Morrison Home Funding, Inc. | 59 | 6.375% | $265,000 | 21.3% |
| ZILLOW HOME LOANS, LLC | 58 | 6.500% | $275,000 | 6.5% |
| NEWREZ LLC | 57 | 6.750% | $305,000 | 9.4% |
| Broker Solutions, Inc. | 54 | 6.625% | $260,000 | 11.5% |
| THE MORTGAGE FIRM, INC. | 54 | 6.875% | $240,000 | 5.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 47 | 6.375% | $365,000 | 8.5% |
| JPMorgan Chase Bank, National Association | 46 | 6.750% | $290,000 | 14.8% |
| KIND LENDING, LLC | 45 | 6.625% | $295,000 | 24.6% |
| Crews Bank & Trust | 44 | Not published | $270,000 | 2.2% |
| Ixonia Bank | 43 | 6.750% | $275,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 43 | 6.125% | $375,000 | 0.0% |
| RMC HOME MORTGAGE, LLC | 42 | 6.433% | $340,000 | 4.6% |
| CMG MORTGAGE, INC. | 40 | 6.188% | $285,000 | 10.9% |
| GUARANTEED RATE, INC. | 39 | 6.500% | $275,000 | 15.2% |
| EVERETT FINANCIAL, INC. | 36 | 6.875% | $255,000 | 12.2% |
| M/I FINANCIAL, LLC | 35 | 4.875% | $275,000 | 2.4% |
| Navy Federal Credit Union | 34 | 6.375% | $305,000 | 10.5% |
| GUILD MORTGAGE COMPANY | 34 | 6.500% | $250,000 | 9.5% |
| MOVEMENT MORTGAGE, LLC | 34 | 6.990% | $245,000 | 7.0% |
| COASTAL LOANS, LLC | 33 | 4.990% | $295,000 | 8.3% |
| Kiavi Funding, Inc. | 32 | 11.095% | $225,000 | 17.1% |
| Wells Fargo Bank, National Association | 31 | 6.375% | $275,000 | 26.2% |
| Mortgage Right | 31 | 6.625% | $305,000 | 3.1% |
| GERSHMAN INVESTMENT CORP. | 31 | 6.250% | $275,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 30 | 6.875% | $275,000 | 14.3% |
| CHAMPIONS FUNDING, LLC | 30 | 7.625% | $185,000 | 9.1% |
| Granite Bank | 27 | 6.625% | $285,000 | 15.6% |
| Bank of America, National Association | 25 | 6.375% | $265,000 | 16.7% |
| A&D Mortgage LLC | 24 | 6.933% | $245,000 | 17.2% |
| Fairway Independent Mortgage Corporation | 23 | 6.750% | $285,000 | 8.0% |
| EMBRACE HOME LOANS, INC. | 23 | 5.990% | $305,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 22 | 6.125% | $250,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 22 | 6.500% | $290,000 | 8.3% |
| FREEDOM MORTGAGE CORPORATION | 20 | 6.250% | $280,000 | 20.0% |
| Fifth Third Bank, National Association | 19 | 6.750% | $275,000 | 35.5% |
| NVR Mortgage Finance, Inc. | 19 | 6.125% | $325,000 | 47.2% |
| PREMIUM MORTGAGE CORPORATION | 19 | 6.500% | $305,000 | 13.6% |
| PARK SQUARE HOME MORTGAGE, LLC | 19 | 5.490% | $295,000 | 0.0% |
| SouthState Bank, National Association | 18 | 6.863% | $235,000 | 20.8% |
| AMERICAN FINANCIAL NETWORK, INC. | 18 | 7.188% | $275,000 | 28.0% |
| COAST ONE MORTGAGE LLC | 18 | 7.058% | $260,000 | 0.0% |
| U.S. Bank National Association | 18 | 6.495% | $355,000 | 14.3% |
| Commerce Home Mortgage, Inc. | 17 | 7.250% | $265,000 | 19.1% |
| NFM, INC. | 16 | 6.433% | $290,000 | 15.8% |
| FBC MORTGAGE, LLC | 16 | 5.490% | $330,000 | 5.9% |
| Truist Bank | 15 | 6.375% | $255,000 | 40.0% |
| MORTGAGE 1 INCORPORATED | 15 | 6.625% | $285,000 | 0.0% |
| Regions Bank | 14 | 6.438% | $220,000 | 21.1% |
| OCMBC, INC. | 14 | 6.562% | $340,000 | 24.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 14 | 6.495% | $235,000 | 0.0% |
| 21st Mortgage Corporation | 13 | 9.120% | $145,000 | 67.9% |
| AMWEST FUNDING CORP. | 13 | 6.500% | $225,000 | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 13 | 11.000% | $425,000 | 13.3% |
| PLAZA HOME MORTGAGE, INC. | 13 | 6.625% | $255,000 | 18.8% |
| EMM LOANS LLC | 13 | 6.625% | $385,000 | 0.0% |
| HARBORONE MORTGAGE, LLC | 12 | 6.688% | $225,000 | 7.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 12 | 6.375% | $345,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 12 | 6.250% | $260,000 | 0.0% |
| CLEAREDGE LENDING LLC | 12 | 7.125% | $305,000 | 0.0% |
| PNC Bank, National Association | 11 | 6.875% | $255,000 | 21.4% |
| RESICENTRAL, LLC | 11 | 6.490% | $315,000 | 0.0% |
| Luminate Bank | 11 | 6.875% | $285,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 11 | 6.875% | $195,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 10 | 5.915% | $295,000 | 13.3% |
| ACHIEVA CREDIT UNION | 10 | 6.188% | $295,000 | 28.6% |
| GENEVA FINANCIAL, LLC | 10 | 7.000% | $225,000 | 0.0% |
| Bell Bank | 10 | 6.625% | $315,000 | 0.0% |
| Northpointe Bank | 10 | 7.125% | $235,000 | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Plains Commerce Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 40.0% |
| TrustCo Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Waterstone Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 10.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 38.9% |
| Third Federal Savings and Loan Association of Cleveland | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Click n' Close, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 6 | Under 10 loans | Under 10 loans | 30.0% |
| MIDFLORIDA | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 11.1% |
| Barrington Bank & Trust Company, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| VAN DYK MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TD Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Towne Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| BAY EQUITY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 42.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, 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% |
| POLARIS HOME FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Dart Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SPACE COAST CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 42.9% |
| American Momentum Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALKAN MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEAL COMMUNITIES FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cazle Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Busey Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DFCU FINANCIAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Old National Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Seacoast National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sanibel Captiva Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| DEVELOPER'S MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE EQUITABLE MORTGAGE CORPORATION | 2 | 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 324 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
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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. 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.