Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Charlotte County, Florida
Every institution that decided a 1–4 unit mortgage application in Charlotte County, home to Punta Gorda, between 2023 and 2025: 26,013 applications, 19,035 loans actually funded, across 8 kinds of borrowing.
Charlotte County at a glance
26,013Applications decided
2023–2025
19,035Loans funded
73% of decisions
46Census tracts
14 ZIP codes
195,083People
ACS 2023
What the data shows
The typical purchase mortgage here is $295K.
Investment home improvement is the hardest money to get here: lenders approved 51% of 197 applications.
Lending by loan type in Charlotte County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 84.0% | 13,831 | $295K | 96% | 580 |
| Home improvement loans | 55.2% | 2,305 | $65K | 89% | 124 |
| Cash-out refinance | 59.8% | 2,759 | $175K | 93% | 244 |
| Refinance | 68.1% | 1,773 | $235K | 88% | 208 |
| Investment property purchase | 85.7% | 4,102 | $255K | 96% | 537 |
| Investment cash-out refinance | 64.5% | 557 | $255K | 93% | 122 |
| Investment refinance | 72.4% | 489 | $285K | 90% | 134 |
| Investment home improvement | 50.8% | 197 | $215K | 98% | 59 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.