Largest lenders in Charlotte County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Lennar Mortgage | A | 970 | 616 | 21.2% | 5.99% |
| 2 | United Shore Financial Services | B | 907 | 649 | 14.7% | 6.38% |
| 3 | Rocket Mortgage | C | 739 | 482 | 21.9% | 6.75% |
| 4 | Suncoast Credit Union | C | 572 | 385 | 17.3% | 7.25% |
| 5 | Dhi Mortgage Company | B | 340 | 224 | 8.2% | 5.50% |
| 6 | Regions Bank | C | 280 | 115 | 37.1% | 4.99% |
| 7 | Mortgage Research Center | C | 252 | 103 | 21.0% | 6.25% |
| 8 | Pennymac Loan Services | C | 249 | 122 | 13.3% | 6.62% |
| 9 | Newrez | D | 246 | 88 | 21.5% | 6.75% |
| 10 | Loandepot.Com | D | 238 | 157 | 18.5% | 6.63% |
| 11 | Bank of America | F | 233 | 92 | 29.6% | 6.24% |
| 12 | Crosscountry Mortgage | B | 206 | 114 | 8.7% | 6.75% |
| 13 | Fifth Third Bank | D | 166 | 69 | 28.9% | 7.49% |
| 14 | The Loan Store | B | 166 | 124 | 6.0% | 6.88% |
| 15 | Lake Michigan Credit Union | A | 160 | 115 | 8.8% | 6.38% |
| 16 | Truist Bank | C | 155 | 69 | 41.3% | 6.88% |
| 17 | Broker Solutions | D | 153 | 70 | 11.8% | 6.75% |
| 18 | Freedom Mortgage | B | 148 | 67 | 9.5% | 6.25% |
| 19 | Lakeview Loan Servicing | C | 125 | 25 | 43.2% | 6.88% |
| 20 | Navy Federal Credit Union | D | 121 | 53 | 21.5% | 6.88% |
| 21 | JPMorgan Chase Bank | B | 119 | 63 | 12.6% | 6.75% |
| 22 | Achieva Credit Union | C | 117 | 62 | 30.8% | 7.25% |
| 23 | Spring Eq | D | 113 | 26 | 50.4% | 8.70% |
| 24 | Third Federal Savings and Loan Association of Cleveland | C | 110 | 49 | 32.7% | 6.99% |
| 25 | Coastal Community Bank | C | 110 | 25 | 2.7% | 9.99% |
Best approval odds in Charlotte County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Ixonia Bank | 50 | 0.0% |
| 2 | American Pacific Mortgage | 71 | 4.2% |
| 3 | Crews Bank & Trust | 69 | 4.4% |
| 4 | Coastal Community Bank | 69 | 4.4% |
| 5 | The Mortgage Firm | 65 | 4.6% |
| 6 | Movement Mortgage | 50 | 6.0% |
| 7 | Mutual of Omaha Mortgage | 64 | 6.3% |
| 8 | Zillow Home Loans | 62 | 6.5% |
| 9 | The Loan Store | 147 | 6.8% |
| 10 | Toll Brothers Mortgage | 71 | 8.5% |
What Charlotte County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Charlotte County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 12,107 | 6,440 | 20.6% | 6.88% | $245,000 |
| 2024 | 12,717 | 6,999 | 20.0% | 6.88% | $245,000 |
| 2025 | 13,288 | 7,431 | 18.6% | 6.63% | $245,000 |
Frequently asked questions
18.6% of applications in Charlotte County were denied in 2025, against 21.1% statewide in Florida.
Lennar Mortgage, with 970 applications in 2025 and a denial rate of 21.2%.
The median mortgage application in Charlotte County in 2025 was for $245,000; the median property value on originated loans was $345,000.