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Construction lenders in every state

Each state page lists local specialists, the loan types they offer, and cost-to-build context.

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Lenders ready to finance your build

US Bank ✓ Verified

📍 All 50 states
One-Time CloseOwner-Builder2nd Mortgage / HELOCLand

Specializing on Construction to Perm Financing for Owner Occupied, Second Homes, ADU and Barndominium Properties. Will do OWNER BUILDER on case by case basis. Lot Financing Available. LENDING IN ALL 50 STATES!!!

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1st Security Bank of Washington

📍 WA
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3Rivers Federal Credit Union

📍 IN
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802 Credit Union

📍 VT
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Abbeville Building & Loan

📍 LA
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Abound Credit Union

📍 KY
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ACNB Bank

📍 PA
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AgCarolina Farm Credit

📍 SC
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AgCountry Farm Credit Services

📍 ND
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AgSouth Farm Credit

📍 SC
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AgWest Farm Credit

📍 OR
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Alabama Ag Credit

📍 AL
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Alden State Bank

📍 NY
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Alpine Bank

📍 CO
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Altabank

📍 UT
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Amboy Bank

📍 NJ
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Amegy Bank

📍 TX
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America First Credit Union

📍 NV
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America First Mortgage

📍 NV
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American Bank & Trust

📍 SD
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American Community Bank

📍 IN
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Arcadian Bank

📍 MN
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Arizona Financial Credit Union

📍 AZ
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Arkansas Federal Credit Union

📍 AR
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Arvest Bank

📍 AR
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AuburnBank

📍 AL
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Auburn Savings Bank, FSB

📍 AL
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Banc of California

📍 CA
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Bangor Savings Bank

📍 ME
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BankCDA

📍 ID
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BankFirst Financial Services

📍 MS
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BankFive

📍 RI
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Bank of Colorado

📍 CO
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Bank of Eastern Oregon

📍 OR
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Bank of Oklahoma

📍 OK
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Bank of Old Monroe

📍 MO
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BankSouth

📍 GA
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BankWest

📍 SD
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Banner Bank

📍 WA
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Beginnings Credit Union

📍 NY
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Better Banks

📍 MO
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Bonvenu Bank

📍 LA
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California Bank & Trust

📍 CA
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Cal-Lending

📍 CA
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Capital Home Mortgage

📍 DE
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Capital Home Mortgage

📍 IL
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Capital Home Mortgage

📍 NV
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Capital Home Mortgage Arkansas

📍 AR
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Capital Home Mortgage Montana

📍 MT
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Capitol Federal® Savings Bank

📍 KS
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Centreville Bank

📍 RI
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Century Bank

📍 NM
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Cetan Funds

📍 OR
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Citizens Bank

📍 CT, VA
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Citizens Bank of West Virginia

📍 WV
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Citizens Bank & Trust

📍 AL
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Citizens Savings Bank

📍 PA
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City National Bank

📍 WV
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Coastal Carolina National Bank

📍 SC
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Coastal Credit Union

📍 NC
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Cogent Bank

📍 FL
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Columbia Bank

📍 WA
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CommunityAmerica Credit Union

📍 MO
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CommunityAmerica Credit Union

📍 KS
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Community Bank

📍 TN
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Community Bank

📍 NY
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Community Bank Delaware

📍 DE
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Consumers Credit Union

📍 MI
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Co-op Credit Union

📍 WI
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CrossCountry Mortgage, LLC

📍 TN
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Dart Bank

📍 MI
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Dime Bank

📍 CT
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Dime Bank

📍 RI
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D.L. Evans Bank

📍 ID
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EastRise Credit Union

📍 VT
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Elevations Credit Union

📍 CO
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Elysian Bank

📍 MN
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Ephrata National Bank

📍 WY
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Family Trust Federal Credit Union

📍 SC
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Fidelity Bank

📍 IA
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Fidelity Bank

📍 IL
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Field & Main Bank

📍 KY
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Fifth Third Bank

📍 SC, WV
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First Bank

📍 MO
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First Bank

📍 IL
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First Bank

📍 NC
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First Bank of Manhattan

📍 IL
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First Bank & Trust Company

📍 TN
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First Commonwealth Bank

📍 PA
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First Community Credit Union

📍 ND
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First Fed Bank

📍 WA
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First Federal Bank of Kansas City

📍 KS
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First Federal Savings & Loan

📍 MS
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First Financial Bank

📍 OH
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First Horizon Bank

📍 TN
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First Interstate Bank

📍 OR
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First Interstate Bank

📍 ID
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First Liberty Bank

📍 OK
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First Merchants Bank

📍 IN
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First National Bank North

📍 MN
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First National Bank of NWA

📍 AR
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First National Bank of Tennessee

📍 TN
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First New Mexico Bank

📍 NM
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First Palmetto Bank

📍 SC
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First State Bank

📍 OH
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First Texas National Bank

📍 TX
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Florida Mortgage Firm

📍 FL
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F&M Bank

📍 OK
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F&M Bank

📍 VA
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FOCUS Bank

📍 AR
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Foothills Bank

📍 AZ
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Fulton Bank

📍 MD
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Gateway First Bank

📍 OR
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GBC Bank

📍 IN
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Genisys Credit Union

📍 MI
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Georgia Banking Company

📍 GA
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Georgia's Own Credit Union

📍 GA
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Glacier Bank

📍 MT
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Great Midwest Bank

📍 WI
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Greenville Federal

📍 SC
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Greenville National Bank

📍 SC
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GTE Financial

📍 FL
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Gulf Coast Bank & Trust

📍 LA
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Heritage Family Credit Union

📍 VT
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Hilltop National Bank

📍 WY
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Home Bank

📍 LA
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Home Federal Bank

📍 TN
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InRoads Credit Union

📍 OR
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Itasca Bank & Trust Co.

📍 IL
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Itasca Bank & Trust Co.

📍 MN
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Jefferson Bank

📍 MO
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Jefferson Security Bank

📍 WV
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Keesler Federal Credit Union

📍 MS
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Lake Area Mortgage

📍 MN
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Lake Michigan Credit Union

📍 MI
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Landmark Credit Union

📍 WI
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Lee Bank

📍 MA
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Legacy Community Federal Credit Union

📍 AL
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Liberty Bank

📍 CT
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Liberty Federal Credit Union

📍 KY
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LifeStore Bank

📍 NC
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Listerhill Credit Union

📍 AL
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Maine Savings Federal Credit Union

📍 ME
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Members First Credit Union

📍 NH
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Members Trust Federal Credit Union of the Southwest

📍 TX
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Merchants Bank

📍 AL
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Meridian Trust Federal Credit Union

📍 WY
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Merrimack County Savings Bank

📍 NH
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Metairie Bank

📍 LA
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Michigan First Credit Union

📍 MI
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MidWestOne Bank

📍 IA
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Mortgage Equity Partners of Delaware

📍 DE
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Movement Mortgage

📍 SC
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Mutual Credit Union

📍 MS
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National Bank of Arizona

📍 AZ
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National Bank of Blacksburg

📍 VA
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Nevada State Bank

📍 NV
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Newtown Savings Bank

📍 CT
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Nicolet National Bank

📍 WI
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Northern Credit Union

📍 NY
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Northfield Savings Bank

📍 VT
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North Georgia Credit Union

📍 GA
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Oconee State Bank

📍 GA
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Oklahoma's Credit Union

📍 OK
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Old National Bank

📍 IN
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Old National Bank

📍 OH
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Omaha Federal Credit Union

📍 NE
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OneAZ Credit Union

📍 AZ
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On Point Home Loans, Inc.

📍 NC
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Pathfinder Bank

📍 NY
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Peoples Bank

📍 NC
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Pinnacle Bank

📍 AZ
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Pinnacle Bank

📍 NM
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Pioneer Bank

📍 NM
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Plains Commerce Bank

📍 ND
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PNC Bank

📍 PA
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Primary Residential Mortgage, Inc.

📍 DE
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PriorityOne Bank

📍 MS
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Provident Bank

📍 NJ
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Provident Bank

📍 PA
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Putnam County Bank

📍 WV
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Queenstown Bank

📍 MD
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Regions Bank

📍 PA
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RNB/Front Range State Bank

📍 WY
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Rockland Trust

📍 MA
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Royal Credit Union

📍 WI
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Rural 1st

📍 ND
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SAFE Federal Credit Union

📍 SC
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Sail Mortgage

📍 PA
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Seacoast Bank

📍 FL
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Security Bank & Trust Co.

📍 MN
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Service Credit Union

📍 NH
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Simmons Bank

📍 AR
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Skowhegan Savings Bank

📍 ME
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Solvay Bank

📍 NY
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Somerset Federal Credit Union

📍 PA
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Sound Credit Union

📍 WA
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Southern Energy Credit Union

📍 AL
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SouthStar Bank

📍 TX
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South State Bank

📍 SC
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StagePoint Federal Credit Union

📍 WY
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STCU

📍 WA
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St. Mary's Bank

📍 NH
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Stock Yards Bank & Trust

📍 KY
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Summit Lending

📍 AR
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Summit Lending

📍 TX
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Summit Lending

📍 UT
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Sunward Federal Credit Union

📍 NM
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Synergy Bank

📍 LA
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TD Bank

📍 MA
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Telcoe Federal Credit Union

📍 AR
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Tennessee Valley Federal Credit Union

📍 TN
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TexasBank

📍 TX
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Texas Farm Credit

📍 TX
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Texas Regional Bank

📍 TX
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The Dime Bank Honesdale PA

📍 PA
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The Huntington National Bank

📍 MN
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The Peoples Bank

📍 MS
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The Southern Bank Company

📍 AL
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Thomaston Savings Bank

📍 CT
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Tidemark Federal Credit Union

📍 DE
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Timberland Bank

📍 WA
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Torrington Savings Bank

📍 CT
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Truist

📍 AL, GA
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TrustTexas Bank

📍 TX
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TTCU Federal Credit Union

📍 OK
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Union Bank

📍 NH
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Union Bank

📍 MI
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Union Bank

📍 VT
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Union Bank & Trust Company

📍 NE
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United Bank

📍 MA, PA, TN
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United Bank of Michigan

📍 MI
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United Community Bank

📍 SC
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United Federal Credit Union

📍 FL
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UW Credit Union

📍 WI
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Valley National Bank

📍 NJ
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Virginia Credit Union

📍 VA
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Vision Bank

📍 OK
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Watertown Savings Bank

📍 NY
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Webster Bank

📍 RI
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WesBanco Bank, Inc.

📍 MD, WV
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Westby Co-op Credit Union (WCCU Credit Union)

📍 WI
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Westerly Community Credit Union

📍 RI
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West Michigan Community Bank

📍 MI
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West Shore Bank

📍 MI
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West Tennessee Bank

📍 TN
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Woodsboro Bank

📍 MD
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Zions Bank

📍 UT, WY
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Zions Bank

📍 ID
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How we vet lenders

Every listed lender confirms active licensing, the construction-loan programs they actually originate, and their true service area. Verified badges reflect documentation on file. Reviews come from matched customers only.

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