Borrowing Options

Charlotte State Bank & Trust affords you the opportunity to purchase a home, to utilize the equity that you've accumulated in your home, to purchase a car, install a pool, float a boat, take a vacation.... the possibilities are endless.

Talk to a Lender

Consumer Loans

Charlotte State Bank & Trust offers a wide variety of consumer loans to help you purchase the things to maintain and enhance your lifestyle. Call the office most convenient for you for current rates and terms for car, RV, or other personal loans.

Want to know what you can afford?  Here are some calculators to assist you.


It’s easy to apply, simply download this application, complete it and bring it in to one of our area offices.

Consumer Loan Application

We're here to help.

Residential Mortgage Loans

Charlotte State Bank & Trust helps area residents realize the dream of home ownership. We offer a variety of home mortgage loans to fit all kinds of budgets. From the first-time home buyer to those who want an investment home mortgage loan, you'll receive expert advice and the kind of personal service you'd expect from your Hometown Bank. Regardless of the mortgage you select you'll appreciate:

  • Expert advice
  • Quick turn around with all decisions made right here
  • Variety of terms

Types of Loans

  • Construction-to-Permanent loans with one closing
  • Fixed-rate mortgages for those more comfortable knowing their principal and interest payments won’t change
  • Adjustable-rate mortgages generally offer lower down payments and typically lower initial interest rates to maximize the use of your money
  • Jumbo mortgages
  • Investment property mortgages
  • Second home mortgages

We also offer FHA and VA Loans. Be sure to ask about them.

Wondering what you can afford?

For Personalized Service and current rates, call us:

Connie Ritchhart
Senior Vice President
Residential Lending
NMLS# 795295

Holly Selders
Assistant Vice President
Residential Lending
Punta Gorda and
Charlotte Harbor
NMLS# 100237

Kelly Louke Photo

Kelly Louke
Assistant Vice President
Residential Lending
North Port
NMLS# 795290

Michele Smith
Mortgage Loan Specialist
Peachalnd and
NMLS # 350741

Ready to get started? Download and start your application, then give us a call.

Residential Mortgage Application

Home Construction Loans

Charlotte State Bank & Trust helps residents of Charlotte County build their dream of home ownership with one-closing, construction-to-permanent residential mortgage loans.

Ready to get started? Download an application then give us a call.

Residential Mortgage Application

Home Equity Lines of Credit

A Home Equity Line of Credit may be an excellent way for you to add a pool or spa, or take a vacation. Interest rates are very favorable, call the office most convenient to you or e-mail us at

If you prefer, download the application below to get started today!

HELOC Application

Visa Rewards Credit Accounts

Reward yourself every day!

Whether you want the exceptional rewards with the Visa Signature Rewards card or the simplicity of the Visa Platinum card, we have a Visa Credit account that suits you!

At Charlotte State Bank & Trust, our industry-leading consumer and business credit card products offer competitive pricing combined with a full range of reward options - making it easy to select and apply for the card that meets your needs. Learn More or Apply Now

Already have a Charlotte State Bank & Trust Visa Rewards Credit card and want to access your account?