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Charlotte State Bank & Trust will never call you to ask you to verify or provide your full account number, username, password, debit card number, PIN or Social Security number. If you receive a call requesting this information, even if the caller ID looks like it is coming from the bank, immediately hang up, and call us at 888-624-5454.
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

Mortgages

Ready to Apply?

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

ONLINE RESIDENTIAL LOAN APPLICATION

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.

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Home Equity Lines of Credit

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

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