Mortgage lending in Charlotte County, Florida
Lenders in Charlotte County, Florida reported 13,288 mortgage applications for 2025, according to the CFPB.
13,288 mortgage applications and 7,431 loans originated in 2025; the denial rate was 23.9% of 10,333 applications decided. The median loan was about $255,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Punta Gorda, FL MSA.
- 13,288
- Applications
- 7,431
- Loans originated
- 23.9%
- Denial rate
- 2,474 denied of 10,333 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 13,288 | 7,431 |
| 2024 | 12,717 | 6,999 |
| 2023 | 12,107 | 6,440 |
| 2022 | 16,227 | 8,549 |
| 2021 | 22,860 | 13,475 |
| 2020 | 18,684 | 11,158 |
| 2019 | 13,423 | 7,791 |
| 2018 | 11,698 | 6,844 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 649 | 907 |
| Lennar Mortgage, LLC | 616 | 970 |
| Rocket Mortgage | 482 | 739 |
| Suncoast Credit Union | 385 | 572 |
| DHI Mortgage Company, LTD. | 224 | 340 |
| loanDepot.com LLC | 157 | 238 |
| The Loan Store, Inc | 124 | 166 |
| Pennymac Loan Services LLC | 122 | 249 |
| Lake Michigan Credit Union | 115 | 160 |
| Regions Bank | 115 | 280 |
| Crosscountry Mortgage, LLC | 114 | 206 |
| Mortgage Research Center | 103 | 252 |
| Bank of America NA | 92 | 233 |
| Newrez LLC | 88 | 246 |
| Champions Funding, LLC | 73 | 94 |
| New American Funding, LLC. | 70 | 153 |
| Truist Bank | 69 | 155 |
| Fifth Third Bank, National Association | 69 | 166 |
| American Pacific Mortgage Corporation | 68 | 96 |
| Lower, LLC | 68 | 104 |
| Freedom Mortgage Corporation | 67 | 148 |
| Crews Bank & Trust | 64 | 76 |
| JPMorgan Chase Bank, NA | 63 | 119 |
| Kiavi Funding, Inc. | 62 | 104 |
| Achieva Credit Union | 62 | 117 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 62 | 41.5% of 53 decided |
| Asian | 294 | 22.8% of 232 decided |
| Black or African American | 397 | 37.8% of 315 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 10,005 | 22.1% of 7,912 decided |
| 2 or more minority races | 19 | no rate: base under 50 |
| Joint | 205 | 24.1% of 158 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,292 | 29.6% of 1,634 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,491 | 25.2% of 1,180 decided |
| Not Hispanic or Latino | 9,119 | 22.9% of 7,218 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,364 | 28.4% of 1,682 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,531 | 26.2% of 3,514 decided |
| Female | 2,651 | 25.6% of 2,083 decided |
| Joint | 4,796 | 19.1% of 3,832 decided |
| Sex Not Available | 1,310 | 32.0% of 904 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 521 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved