Mortgage lending in Charlotte County
7,431 mortgages were originated in Charlotte County, Florida, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 7,431
- Median rate
- 6.625%
- Median lender fees
- $6,472
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $255,000
- Above the going rate (spread over APOR)
- 0.232
- Paid discount points
- 42.8%
- Received lender credits
- 24.7%
- Purchases / refinances
- 67.1% / 19.1%
- Conventional / FHA / VA
- 73.8% / 17.1% / 9%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 75% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $315,000
- That home, 20% down
- $252,000
A median-priced home with 20% down leaves $580,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Charlotte County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 649 | $9,143 | 6.375% |
| Lennar Mortgage, LLC | 616 | $5,229 | 5.990% |
| Rocket Mortgage, LLC | 482 | $5,635 | 6.750% |
| Suncoast Credit Union | 385 | $3,489 | 7.250% |
| DHI Mortgage Company, Ltd. | 224 | $3,470 | 5.500% |
| Loandepot.Com, LLC | 157 | $6,413 | 6.625% |
| The Loan Store, Inc. | 124 | $7,904 | 6.875% |
| Pennymac Loan Services, LLC | 122 | $7,100 | 6.624% |
| Lake Michigan Credit Union | 115 | $6,924 | 6.375% |
| Regions Bank | 115 | — | 4.990% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Charlotte County — not a rule of thumb.
From 5,574 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers