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Mortgage Lenders and Brokers in Port Charlotte, Florida

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Port Charlotte, Florida mortgage lenders include Regions BankRegions Bank13455 S Mccall Rd, Port Charlotte, FL 33981A+5.0 ★Texas Ratio: 4.37%, Wells Fargo Bank NAWells Fargo Bank NA3195 Tamiami Trl, Port Charlotte, FL 33952A+5.0 ★Texas Ratio: 5.36%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1910 Kings Hwy, Port Charlotte, FL 33980A+5.0 ★Texas Ratio: 3.22%, Crews Bank & TrustCrews Bank & Trust24163 Peachland Blvd, Port Charlotte, FL 33954A+5.0 ★Texas Ratio: 0.31%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA24143 Peachland Blvd, Port Charlotte, FL 33954A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA1930 Tamiami Trl, Port Charlotte, FL 33948A+5.0 ★Texas Ratio: 4.14%, Truist BankTruist Bank2000 Rio De Janeiro Ave, Port Charlotte, FL 33983A+5.0 ★Texas Ratio: 2.87%, BMO Harris Bank NABMO Harris Bank NA1777 Tamiami Trl, Port Charlotte, FL 33948A+5.0 ★Texas Ratio: 3.54%, Suncoast Credit UnionSuncoast Credit Union375 Kings Hwy, Port Charlotte, FL 33983A5.0 ★Texas Ratio: 6.26%, and Achieva Credit UnionAchieva Credit Union1850 Tamiami Trl, Port Charlotte, FL 33948A+5.0 ★Texas Ratio: 2.57%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Port Charlotte, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Port Charlotte are listed first, then lenders elsewhere in Florida, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Port Charlotte, Florida

Market share is the lender's share of all home loans closed in Port Charlotte, Florida. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Regions Bank 3 offices in Port Charlotte 13455 S Mccall Rd, Port Charlotte, FL 33981 A+5.0 ★Texas Ratio: 4.37%	Conventional, HELOC	14 +30 HELOCs	0.9%	64.3%	$95,000	View
Wells Fargo Bank NA 3 offices in Port Charlotte 3195 Tamiami Trl, Port Charlotte, FL 33952 A+5.0 ★Texas Ratio: 5.36%	Conventional	11	0.7%	73.3%	$180,454	View
Fifth Third Bank, National Association 1 office in Port Charlotte 1910 Kings Hwy, Port Charlotte, FL 33980 A+5.0 ★Texas Ratio: 3.22%	Conventional, FHA, HELOC	10 +4 HELOCs	0.7%	73.3%	$205,000	View
Crews Bank & Trust 5 offices in Port Charlotte 24163 Peachland Blvd, Port Charlotte, FL 33954 A+5.0 ★Texas Ratio: 0.31%	Conventional	9	0.6%	90%	$241,666	View
JPMorgan Chase Bank, NA 1 office in Port Charlotte 24143 Peachland Blvd, Port Charlotte, FL 33954 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	8 +2 HELOCs	0.5%	60%	$161,250	View
Bank of America NA 2 offices in Port Charlotte 1930 Tamiami Trl, Port Charlotte, FL 33948 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	7 +16 HELOCs	0.5%	100%	$245,000	View
Truist Bank ★ 1 stars, 1 review 2 offices in Port Charlotte 2000 Rio De Janeiro Ave, Port Charlotte, FL 33983 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	4 +10 HELOCs	0.3%	80%	$145,000	View
BMO Harris Bank NA 1 office in Port Charlotte 1777 Tamiami Trl, Port Charlotte, FL 33948 A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +2 HELOCs	0%	n/a		View
Suncoast Credit Union 375 Kings Hwy, Port Charlotte, FL 33983 A5.0 ★Texas Ratio: 6.26%	Conventional, HELOC	38 +120 HELOCs	2.6%	81.2%	$246,842	View
Achieva Credit Union 1850 Tamiami Trl, Port Charlotte, FL 33948 A+5.0 ★Texas Ratio: 2.57%	Conventional, Jumbo, HELOC	8 +11 HELOCs	0.5%	88.9%	$358,750	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	6 +4 HELOCs	0.4%	75%	$116,666	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional	4	0.3%	80%	$285,000	View
Trustco Bank ★ 1.8 stars, 5 reviews 909 West State Rd 434, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	3 +1 HELOCs	0.2%	75%	$258,333	View
Midflorida Credit Union ★ 1 stars, 1 review 1199 Spring Centre South Blvd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.18%	Conventional, HELOC	3 +1 HELOCs	0.2%	33.3%	$55,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27%	Conventional, FHA, VA	3	0.2%	75%	$245,000	View
TD Bank 514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.1%	66.7%	$725,000	View
City National Bank of Florida 2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12%	Conventional, FHA	2	0.1%	100%	$175,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$135,000	View
Space Coast Credit Union 20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37%	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$125,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$325,000	View
Floridacentral Credit Union 1600 Tamiami Trl, Port Charlotte, FL 33948 1104 A+5.0 ★Texas Ratio: 5.46%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$105,000	View
Huntington National Bank 8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$235,000	View
Hancock Whitney Bank ★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41%	FHA	1	0.1%	100%	$195,000	View
Keybank National Association 12830 University Dr, Fort Myers, FL 33907 A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0.1%	100%	$195,000	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	FHA	1	0.1%	100%	$225,000	View
Helm Bank USA 999 Brickell Ave, Miami, FL 33131 A5.0 ★Texas Ratio: 10.01%	Conventional	1	0.1%	100%	$245,000	View
Renasant Bank 16404 Nw 17th Drive, Alachua, FL 32615 A+5.0 ★Texas Ratio: 4.72%	Conventional	1	0.1%	100%	$295,000	View
Insight Credit Union 2143 E Semoran Blvd, Apopka, FL 32703 A5.0 ★Texas Ratio: 6.25%	Conventional	1	0.1%	100%	$465,000	View
Capital Bank, N.A. 550 South Andrews Avenue Suite 640, Fort Lauderdale, FL 33301 A-5.0 ★Texas Ratio: 15.49%	Conventional	1	0.1%	100%	$155,000	View
First Federal Bank 300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10%	VA	1	0.1%	50%	$205,000	View
First Ciitizens Bank and Trust 101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72%	Conventional	1	0.1%	100%	$275,000	View
Gulf Winds Credit Union 11 Preston Cir, Crawfordville, FL 32327 A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0.1%	100%	$325,000	View
Educational Federal Credit Union 16460 SW 304th St, Homestead, FL 33033 3260 A+5.0 ★Texas Ratio: 2.35%	Conventional	1	0.1%	100%	$195,000	View
Grow Financial Federal Credit Union 11008 Arcade Pl, Bradenton, FL 34211 A+5.0 ★Texas Ratio: 3.70%	Conventional	1	0.1%	100%	$255,000	View
Centennial Bank 22 Avenue E, Apalachicola, FL 32320 A+5.0 ★Texas Ratio: 3.14%	FHA	1	0.1%	100%	$175,000	View
Florida Capital Bank, N.A 241 Sw 7th Ter, Gainesville, FL 32601	Conventional	1	0.1%	100%	$125,000
Citibank, NA 18999 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0.1%	100%	$285,000	View
Partners Federal Credit Union 5555 N Center Drive, Lake Buena Vista, FL 32830 A+5.0 ★Texas Ratio: 4.65%	HELOC	0 +1 HELOCs	0%	0%		View
The Central Trust Bank 3701 Tamiami Trl N, Naples, FL 34103 A+5.0 ★Texas Ratio: 3.12%	HELOC	0 +1 HELOCs	0%	n/a		View
Busey Bank 2524 Del Prado Blvd S, Cape Coral, FL 33904 A+5.0 ★Texas Ratio: 2.31%	HELOC	0 +1 HELOCs	0%	n/a		View
Freedom Mortgage Corporation	Conventional, FHA, VA	30	2%	79.5%	$256,333
Lennar Mortgage, LLC	Conventional, FHA, VA	22	1.5%	55%	$268,636
Coastal Loans, LLC	Conventional, FHA, VA	20	1.3%	87%	$300,500
The Mortgage Firm	Conventional, FHA, VA	20	1.3%	91.3%	$235,000
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	9	0.6%	43.6%	$271,666
Acrisure Mortgage, LLC	Conventional, FHA	8	0.5%	88.9%	$308,750
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA, Jumbo	7	0.5%	87.5%	$323,571	View
New Day Financial, LLC.	VA	6	0.4%	42.9%	$250,000
Reliable Holdings Manager dba Lendz Financial	Conventional	5	0.3%	100%	$203,000
PHH Mortgage Corporation	Conventional, FHA	3	0.2%	75%	$201,666
Fairway Funding Group, Inc	Conventional, FHA	3	0.2%	100%	$265,000
Consumer Real Estate Finance Co DBA Society Mortgage	Conventional	2	0.1%	100%	$235,000
Alkan Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$225,000
Ready Mortgage Lenders, LLC	FHA	2	0.1%	100%	$180,000
Americas Mortgage Professionals, LLC	FHA	1	0.1%	100%	$275,000
The Mortgage Warehouse, LLC	Conventional	1	0.1%	100%	$165,000
Mortgage300 Corporation	Conventional	1	0.1%	100%	$115,000
Mortgage Lenders Investment Tr	Conventional	1	0.1%	100%	$175,000
Bayfirst Financial A5.0 ★Texas Ratio: 10.20%	HELOC	0 +4 HELOCs	0%	0%		View
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	201 +4 HELOCs	13.5%	83.9%	$263,557
Rocket Mortgage	Conventional, FHA, VA	141	9.5%	69.5%	$200,815
loanDepot.com LLC	Conventional, FHA, VA, HELOC	45 +2 HELOCs	3%	80.7%	$169,222
Mortgage Research Center	Conventional, FHA, VA, Jumbo	41	2.8%	70.7%	$305,975
CrossCountry Mortgage, LLC	Conventional, FHA, VA	37	2.5%	90.5%	$245,540
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	36	2.4%	74.5%	$280,000
New American Funding, LLC.	Conventional, FHA, HELOC	31 +1 HELOCs	2.1%	81.6%	$186,290
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional, FHA, VA	28	1.9%	77.8%	$232,500	View
The Loan Store, Inc	Conventional, FHA, VA, HELOC	25 +3 HELOCs	1.7%	96.3%	$230,600
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA, VA	25	1.7%	56.8%	$256,600	View
American Pacific Mortgage Corporation	Conventional, FHA, VA	23	1.5%	100%	$227,608
Zillow Home Loans, LLC	Conventional, FHA, VA	21	1.4%	95.5%	$262,619
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA, VA	17	1.1%	100%	$241,470	View
Paramount Residential Mortgage	Conventional, FHA, VA	16	1.1%	100%	$238,750
Nationstar Mortgage	Conventional, VA	15	1%	83.3%	$134,333
Kind Lending, LLC	Conventional, FHA	13	0.9%	92.9%	$249,615
Guild Mortgage Company	Conventional, FHA, VA	13	0.9%	93.8%	$204,230
Gershman Investment Corp.	Conventional, FHA, VA	13	0.9%	100%	$201,153
Lake Michigan Credit Union	Conventional, FHA, HELOC	12 +5 HELOCs	0.8%	85.7%	$285,000
Cornerstone First Mortgage, LLC	Conventional, FHA	11	0.7%	100%	$212,272
Guaranteed Rate, Inc.	Conventional, FHA	11	0.7%	84.6%	$191,363
Movement Mortgage, LLC	Conventional, FHA, VA	11	0.7%	100%	$180,454
Granite Bank A5.0 ★Texas Ratio: 13.85%	Conventional, FHA	11	0.7%	78.6%	$193,181	View
Embrace Home Loans, Inc.	Conventional, FHA, VA	11	0.7%	100%	$308,636
RMC Home Mortgage, LLC	Conventional, FHA	10	0.7%	100%	$314,000
Union Home Mortgage Corp.	Conventional, FHA, VA	10	0.7%	90.9%	$352,000
DHI Mortgage Company, LTD.	Conventional, FHA, VA	9	0.6%	75%	$288,333
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, HELOC	8 +2 HELOCs	0.5%	81.8%	$262,500	View
Everett Financial, Inc.	Conventional, FHA	8	0.5%	100%	$192,500
Planet Home Lending, LLC	Conventional, FHA, VA	8	0.5%	100%	$250,000
Fairway Independent Mort Corp	Conventional, FHA, VA	8	0.5%	88.9%	$211,250
Spring Eq, LLC	Conventional, HELOC	7 +2 HELOCs	0.5%	38.9%	$57,857
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	7 +1 HELOCs	0.5%	41.2%	$266,428
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	7	0.5%	100%	$332,142
Home Mortgage Alliance Corp (Hmac)	Conventional, FHA	7	0.5%	70%	$139,285
Mutual of Omaha Mortgage	Conventional, FHA, VA	7	0.5%	77.8%	$240,714
Geneva Financial LLC	Conventional, FHA, HELOC	6 +1 HELOCs	0.4%	100%	$198,333
Premier Mortgage Resources, LLC	Conventional, FHA	6	0.4%	100%	$161,666
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA	6	0.4%	100%	$255,000	View
American Financial Network, Inc.	Conventional, FHA, VA	6	0.4%	60%	$283,333
Coast One Mortgage, LLC A+5.0 ★Texas Ratio: 2.18%	Conventional, FHA	6	0.4%	100%	$221,666	View
Premium Mortgage Corporation	Conventional, FHA, VA	6	0.4%	100%	$228,333
Inspire Home Loans Inc.	Conventional, FHA	6	0.4%	60%	$260,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	6	0.4%	75%	$150,000	View
Equity Prime Mortgage LLC	FHA, VA	5	0.3%	71.4%	$195,000
American Financing Corporation	Conventional, FHA	5	0.3%	55.6%	$235,000
Plaza Home Mortgage, Inc	Conventional, FHA	5	0.3%	71.4%	$205,000
Goodleap, LLC	Conventional, FHA, VA, HELOC	4 +2 HELOCs	0.3%	62.5%	$187,500
Polaris Home Funding Corp.	FHA	4	0.3%	80%	$217,500
Guaranteed Rate Affinity, LLC	Conventional, FHA	4	0.3%	100%	$170,000
AmeriHome Mortgage Company, LLC	Conventional, FHA	4	0.3%	80%	$240,000
HomeXpress Mortgage Corp.	Conventional	4	0.3%	80%	$205,000
Mortgage 1 Incorporated	Conventional, VA	4	0.3%	100%	$222,500
Sun West Mortgage Company, Inc	FHA, VA	4	0.3%	100%	$280,000
My Mortgage, Inc	Conventional, FHA	4	0.3%	100%	$220,000
Nfm, Inc	Conventional, VA	4	0.3%	66.7%	$295,000
Churchill Mortgage Corporation	Conventional, FHA, VA	4	0.3%	100%	$205,000
Waterstone Mortgage Corporation	Conventional, FHA	4	0.3%	100%	$232,500
Tjc Mortgage Inc	FHA, VA	4	0.3%	100%	$302,500
American Neighborhood Mortgage Acceptance Company	Conventional, FHA, VA	4	0.3%	80%	$207,500
HomeBridge Financial Services, Inc	Conventional, FHA, HELOC	3 +1 HELOCs	0.2%	75%	$305,000
American Financial Resources LLC	Conventional	3	0.2%	100%	$258,333
Loanunited.Com, LLC	FHA, VA	3	0.2%	100%	$261,666
Amerisave Mortgage Company	Conventional	3	0.2%	11.1%	$55,000
AmWest Funding Corp	Conventional, VA	3	0.2%	100%	$241,666
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional, FHA, VA	3	0.2%	62.5%	$221,666	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	3	0.2%	100%	$155,000	View
Cardinal Financial Company, Li	FHA, VA	3	0.2%	100%	$288,333
Stg Mortgage Inc	Conventional, FHA	3	0.2%	60%	$271,666
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA	3	0.2%	75%	$305,000	View
Towne Mortgage Company	Conventional, FHA	3	0.2%	100%	$188,333
Nations Direct Mortgage, LLC	Conventional, FHA, VA	3	0.2%	100%	$148,333
Texana Bank	Conventional, VA	3	0.2%	100%	$271,666
Champions Funding, LLC	Conventional	3	0.2%	100%	$338,333
Village Capital & Investment	VA	3	0.2%	56.2%	$345,000
Synovus Bank	Conventional, FHA, HELOC	2 +1 HELOCs	0.1%	100%	$290,000
Equity Resources Inc	Conventional, FHA	2	0.1%	100%	$175,000
First Community Mortgage, Inc.	Conventional, FHA	2	0.1%	100%	$190,000
Old National Bank A+5.0 ★Texas Ratio: 4.98%	Conventional	2	0.1%	100%	$260,000	View
Primary Residential Mortgage, INC.	Conventional, FHA	2	0.1%	100%	$230,000
NOVA Financial & Investment Corporation	Conventional, FHA	2	0.1%	100%	$225,000
Watermark Capital, Inc.	Conventional, FHA	2	0.1%	100%	$160,000
ALCOVA Mortgage, LLC	Conventional, VA	2	0.1%	100%	$250,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	2	0.1%	100%	$210,000
Intercap Lending Inc	Conventional, VA	2	0.1%	100%	$225,000
Click n' Close, Inc.	Conventional, FHA	2	0.1%	100%	$115,000
Securitynational Mortgage Company	Conventional, FHA	2	0.1%	100%	$270,000
Evergreen Moneysource Mortgage Company	Conventional	2	0.1%	100%	$190,000
Intelliloan, Inc.	FHA	2	0.1%	100%	$315,000
Stockton Mortgage Corporation	Conventional	2	0.1%	66.7%	$340,000
Mortgage Solutions of Colorado	VA	2	0.1%	100%	$280,000
TowneBank	FHA	2	0.1%	100%	$290,000
Prosperity Home Mortgage, LLC	Conventional	2	0.1%	100%	$145,000
ClearEdge Lending LLC	Conventional	2	0.1%	100%	$255,000
First Western Bank & Trust A-5.0 ★Texas Ratio: 15.55%	Conventional	2	0.1%	100%	$175,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.1%	66.7%	$80,000	View
Angel Oak Mortgage Solutions LLC	Conventional	2	0.1%	66.7%	$315,000
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	FHA, VA	2	0.1%	55.6%	$310,000	View
Reliance First Capital, LLC	Conventional, FHA	2	0.1%	100%	$125,000
Tomo Mortgage LLC	Conventional	2	0.1%	100%	$305,000
EMM Loans LLC	Conventional	1	0.1%	100%	$225,000
Semper Home Loans, Inc	Conventional	1	0.1%	100%	$75,000
Regent Bank A5.0 ★Texas Ratio: 13.71%	Conventional	1	0.1%	100%	$265,000	View
Ruoff Mortgage Company	Conventional	1	0.1%	100%	$215,000
Primelending	Conventional	1	0.1%	50%	$255,000
Atlantic Coast Mortgage, LLC	Conventional	1	0.1%	100%	$275,000
Michigan Schools and Governmen	Conventional	1	0.1%	100%	$45,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0.1%	100%	$375,000	View
SWBC Mortgage Corporation	Conventional	1	0.1%	100%	$375,000
Affordable Mortgage Advisors	Conventional	1	0.1%	100%	$335,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$155,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$265,000
BankSouth Mortgage Company LLC	FHA	1	0.1%	100%	$285,000
Nbkc Bank	Conventional	1	0.1%	100%	$325,000
Dart Bank	Conventional	1	0.1%	50%	$225,000
Resicentral LLC	Conventional	1	0.1%	100%	$335,000
Deephaven Mortgage LLC	Conventional	1	0.1%	50%	$245,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$395,000	View
Emporium Tpo LLC	Conventional	1	0.1%	100%	$425,000
Synergy One Lending, Inc.	Conventional	1	0.1%	100%	$235,000
Eustis Mortgage Corp	VA	1	0.1%	100%	$565,000
Lakeside Bank A+5.0 ★Texas Ratio: 0.26%	Conventional	1	0.1%	100%	$485,000	View
First Home Mortgage A+5.0 ★Texas Ratio: 0.00%	FHA	1	0.1%	100%	$145,000	View
Orangepath Financial Inc	Conventional	1	0.1%	100%	$215,000
First State Bank of St Charles	Conventional	1	0.1%	100%	$115,000
Community Mortgage, LLC A+5.0 ★Texas Ratio: 3.83%	VA	1	0.1%	100%	$405,000	View
Mortgage Assurance Inc	Conventional	1	0.1%	100%	$315,000
American Liberty Mortgage Inco	FHA	1	0.1%	100%	$375,000
Bayshore Mortgage Funding	Conventional	1	0.1%	100%	$65,000
City 1st Mortgage Services, LC	FHA	1	0.1%	100%	$285,000
Absolute Home Mortgage	Conventional	1	0.1%	100%	$255,000
Farmers & Merchants Savings Bank A5.0 ★Texas Ratio: 9.19%	Conventional	1	0.1%	100%	$325,000	View
VanDyk Mortgage Corporation	Conventional	1	0.1%	100%	$285,000
Bay Equity LLC	Conventional	1	0.1%	100%	$145,000
William Raveis Mortgage, LLC	Conventional	1	0.1%	100%	$135,000
Mid-Continent Funding, Inc.	VA	1	0.1%	100%	$295,000
American Heritage Lending, LLC	Conventional	1	0.1%	100%	$255,000
Total Mortgage Services, LLC	Conventional	1	0.1%	100%	$195,000
Service Federal Credit Union	VA	1	0.1%	100%	$65,000
Greenbox Loans	Conventional	1	0.1%	100%	$235,000
Calcon Mutual Mortgage LLC	FHA	1	0.1%	50%	$245,000
Ameritrust Mortgage Corporation	FHA	1	0.1%	100%	$305,000
KodaBank A+5.0 ★Texas Ratio: 2.26%	Conventional	1	0.1%	100%	$185,000	View
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional	1	0.1%	33.3%	$195,000	View
Servis One, Inc	VA	1	0.1%	100%	$255,000
First National Bank Texas A4.7 ★Texas Ratio: 3.20%	FHA	1	0.1%	100%	$285,000	View
Truliant Federal Credit Union	Conventional	1	0.1%	100%	$135,000
Teachers Federal Credit Union	Conventional	1	0.1%	100%	$465,000
Harborone Mortgage, LLC	FHA	1	0.1%	100%	$195,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$145,000	View
First Resource Bank A+5.0 ★Texas Ratio: 0.72%	Conventional	1	0.1%	100%	$135,000	View
Gateway Bank A+5.0 ★Texas Ratio: 0.01%	Conventional	1	0.1%	100%	$275,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$125,000	View
Bangor Savings Bank A+5.0 ★Texas Ratio: 4.53%	Conventional	1	0.1%	100%	$355,000	View
Emet Lending Group, Inc.	Conventional	1	0.1%	100%	$375,000
Empower Federal Credit Union A-4.9 ★Texas Ratio: 16.71%	Conventional	1	0.1%	100%	$255,000	View
Pentagon Federal Credit Union	VA	1	0.1%	100%	$105,000
University Bank A+5.0 ★Texas Ratio: 3.82%	FHA	1	0.1%	100%	$205,000	View
Better Mortgage Corporation	FHA	1	0.1%	50%	$205,000
City & County Credit Union	Conventional	1	0.1%	100%	$45,000
Pike Creek Mortgage Services, Inc.	Conventional	1	0.1%	100%	$415,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$185,000	View
Logan Finance Corporation	Conventional	1	0.1%	100%	$295,000
Citadel Servicing Corporation	Conventional	1	0.1%	50%	$175,000
Veritas Funding, LLC	VA	1	0.1%	100%	$235,000
Nationwide Mortgage Bankers, Inc.	Conventional	1	0.1%	100%	$205,000
Nmsi, Inc.	Conventional	1	0.1%	100%	$415,000
Right Start Mortgage, Inc	FHA	1	0.1%	100%	$255,000
West Central Bank	Conventional	1	0.1%	100%	$35,000
Southwest Stage Funding LLC	FHA	1	0.1%	100%	$355,000
Nexera Holding LLC	Conventional	1	0.1%	100%	$455,000
Horizon Bank A+5.0 ★Texas Ratio: 4.40%	Conventional	1	0.1%	100%	$125,000	View
Ark-La-Tex Financial Services LLC	Conventional	1	0.1%	100%	$155,000
Top Flite Financial, Inc.	Conventional	1	0.1%	100%	$75,000
Polish & Slavic Federal Credit	Conventional	1	0.1%	100%	$355,000
Royal Credit Union	Conventional	1	0.1%	100%	$465,000
JMAC Lending, Inc.	Conventional	1	0.1%	100%	$125,000
Figure Lending LLC	HELOC	0 +11 HELOCs	0%	n/a
Coastal Community Bank	HELOC	0 +10 HELOCs	0%	n/a
Bank Ozk	HELOC	0 +3 HELOCs	0%	n/a
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +2 HELOCs	0%	n/a		View
Genisys Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Wesbanco Bank, Inc. A+5.0 ★Texas Ratio: 3.87%	HELOC	0 +1 HELOCs	0%	n/a		View
Centra Credit Union A+5.0 ★Texas Ratio: 3.12%	HELOC	0 +1 HELOCs	0%	n/a		View
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Trustone Financial Credit Union	HELOC	0 +1 HELOCs	0%	0%
Clearview Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Mission Loans, LLC	HELOC	0 +1 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +1 HELOCs	0%	n/a		View
DFCU Financial	HELOC	0 +1 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Port Charlotte Mortgage Rate Trends

Daily average mortgage rates for Florida compared with the national average, updated every evening.

30-Year Fixed FL Avg

7.306%

▲ 0.071 vs 7 days ago

15-Year Fixed FL Avg

6.730%

▲ 0.011 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Port Charlotte, Florida

Looking for mortgage lenders near me or mortgage brokers near me in Port Charlotte? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Port Charlotte in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Port Charlotte, FL

Use these to narrow the list above. Each category shows how many Port Charlotte, FL lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 152 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 71 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 27 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 104 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 62 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 6 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 35 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Port Charlotte, FL

Independent mortgage companies closed 82.2 percent of home loans in Port Charlotte, Florida in 2025, banks 12.2 percent and credit unions 5.6 percent. Freedom Mortgage Corporation was the largest mortgage company, Regions Bank the largest bank and Suncoast Credit Union the largest credit union. Among lenders headquartered in Florida, Crews Bank & Trust led with 9 loans.

82.2%

Mortgage companies

12.2%

Banks

5.6%

Credit unions

31%

FHA loans

13%

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Florida. Documentary stamp tax of $0.70 per $100 on deeds (0.70 percent; $0.60 in Miami-Dade for single family homes), plus $0.35 per $100 on the note (0.35 percent) and a nonrecurring intangible tax of 2 mills ($0.002 per dollar) on the mortgage amount.

More Florida Mortgage Lender Pages

All Florida lenders 1,647 lenders Jacksonville 444 lenders Port St. Lucie 359 lenders Cape Coral 422 lenders Tampa 363 lenders Lehigh Acres 298 lenders Orlando 345 lenders St. Cloud 266 lenders St. Petersburg 346 lenders Palm Bay 258 lenders Spring Hill 261 lenders Tallahassee 233 lenders Lakewood Ranch 319 lenders

Frequently Asked Questions About Mortgage Lenders in Port Charlotte, FL

Who is the largest mortgage lender in Port Charlotte, FL?

By home loans closed in 2025, Regions Bank was the largest mortgage lender in Port Charlotte, Florida with 14 loans, about 0.9 percent of the market. The largest lender headquartered in Florida was Crews Bank & Trust with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Port Charlotte, FL have the highest approval rates?

Among lenders with meaningful volume in Port Charlotte, Florida, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 83.9 percent, against a 78.4 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Port Charlotte, FL mortgage lenders offer FHA, VA and USDA loans?

104 lenders closed FHA loans in Port Charlotte, Florida in 2025, led by United Wholesale Mortgage with 89. 62 lenders closed VA loans, led by Mortgage Research Center. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Port Charlotte, FL lender list?

Yes. 71 banks and 27 credit unions closed home loans in Port Charlotte, Florida in 2025, alongside 152 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Port Charlotte, FL ranked on this page?

Lenders are ranked only by the number of home loans they closed in Port Charlotte, Florida during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Port Charlotte, Florida for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Port Charlotte. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.