Are You Prepared? Get expert advice to help ensure and protect your financial legacy at our free educational seminars.

buying or building a home?

Make your homeownership dream come true.

Finding the ideal home loan doesn’t have to be as hard as finding your dream home. Charlotte State Bank & Trust offers a variety of home loans. Our experienced lenders will help you find the right loan for yourself. We are experts at financing homes in the following housing markets:

  • Charlotte County
  • Collier County
  • DeSoto County
  • Lee County
  • Sarasota County
  • Babcock Ranch
  • Burnt Store Isles
  • Cape Haze
  • Charleston Park
  • Charlotte Harbor
  • Deep Creek
  • Harbor Heights
  • Heron Creek
  • Lakewood Ranch
  • Murdock
  • Myakka River Trails
  • North Port
  • Placida
  • Port Charlotte
  • Punta Gorda
  • Punta Gorda Isles
  • Riverwood
  • Rotonda West
  • South Gulf Cove
  • Wellen Park

Apply Online Today

                                                                               Loans subject to credit approval NMLS #477000


Ready to Apply?

Our online process is simple and secure. Plus, you still receive our personalized, hometown service.


Application Checklist

Save time applying for your Florida mortgage. Find everything you will need in our application checklist.

Access Checklist

Consumer Loans

Whether you want to consolidate debt, invest in home improvements or to hit the road or water, Charlotte State Bank & Trust can help you attain your goals with a consumer loan.

Learn More

Home Equity Lines of Credit

A HELOC provides flexible access to the equity in your home.

Learn More