360 Construction Loan Lenders with AI in Cottondale, Alabama 2026

The Lendersa® platform provides a list of construction loan lenders in Cottondale, AL, featuring regional banks, national institutions, alongside local hard money lenders using private capital for new builds or major rehabs.

In Cottondale, AL, lenders appraise construction costs for a 2,000 square foot home, from $212,303 for basic construction up to $387,048 for more luxurious projects. The interest rates and loan terms can vary, influenced by borrowers' financial profiles, the Loan-to-Value ratio, After Repair Value, and chosen lender type.

Compare offers from 100 different lenders

The powerful construction loan calculator

Lendersa® AI technology will promptly match your loan request with numerous construction lenders, ensuring every financing need is covered. Discover optimal construction rates for ground-up projects or significant renovations for both residential and commercial properties in AL.

Close to finding construction loan lenders?

Keep unnecessary inquiries low to protect your credit score. You can get a land loan preapproval without needing to disclose your social security number or other sensitive financial information.

You could qualify for 100% LTV financing by pledging additional property as collateral (known as a blanket loan).

Use Lendersa®'s land loan calculator to seek out vacant land loan lenders in postal zones 35404, 35453.



  • Alabama Rural Electric Credit Union
  • 1215 Veterans Memorial Pkwy, Tuscaloosa, AL, 35404
  • ARECU started with the dreams of seven in 1969, and in 2020 we are excited to be Alabama Rural Electric Credit Union, a division of Alabama ONE. The merger with Alabama ONE Credit Union in April of 2020 brings a myriad of improved products and services with the added strength of Alabama ONE's legacy of exceptional service.
  • RiverFall Credit Union
  • 2520 6th Street, Tuscaloosa, AL, 35401
  • RiverFall Credit Union is a full-service, member owned financial institution that has been serving its members since 1953. Let us help you move forward with the financial future you deserve. You'll love our FREE Reward checking accounts and great rates on loans. We invite you to find your pace at RiverFall.
  • first federal Bank
  • 1300 McFarland Blvd NE, Tuscaloosa, AL, 35406
  • First Federal Bank loan originators are eager to help you with your home loan needs. We listen carefully to each borrower & use our diverse mix of lending products to fit your situation. Our loan originators are given a terrific support staff & the latest loan processing & automated underwriting technologies
  • First Financial Bank
  • 1630 4th Avenue North, Bessemer, AL, 35020
  • At First Financial Bank – headquartered in Bessemer, Alabama! We also have First Financial Bank branches in Centreville, Hueytown, McCalla, Pelham, Vance, West Blocton, and Woodstock. As a community bank, we offer friendly and personal hometown service. We serve our communities by accepting only local deposits
  • Nu Source Lending Mortgage Corporation
  • 2080 Valleydale Rd, Suite 12, Birmingham, AL, 35244
  • Nu Source Lending has been in business since 2007. We take pride in providing consumers with options. Every consumer situation is different; at Nu Source we make sure those differences equal opportunity and success. Our staff is dedicated to getting the consumer on the right path
  • Oakworth Capital Bank
  • 850 Shades Creek Parkway, Birmingham, AL, 35209
  • At Oakworth, our Core Purpose is Helping People Succeed. That resonates through our culture by our associates being intentional about our Core Values, our behaviors and the experiences we provide. This culture fosters an environment where our associates focus on relationships with not only our clients, but also with each other.
  • CommerceOne Bank
  • 2100 Southbridge Parkway, Suite 385, Birmingham, AL, 35209
  • CommerceOne is born out of a desire to be exceptional because we believe there is nothing more important than building a meaningful connection between our bankers and your needs. That means providing you with accessible, highly-individualized services that are practically unheard of in the banking industry.
  • Bank of Walker County
  • 607 Highway 78E, Jasper, AL, 35502
  • Bank of Walker County is owned by local people for local people. The decision may take a few minutes, a few hours or a few days, but if it is legal, moral, without undue risk and if our staff thinks it is doable, count on us to be more flexible and innovative in meeting your needs than any other bank
  • Regions Bank
  • 1900 5th Ave N, Birmingham, AL, 35203
  • Regions Financial Corporation (NYSE:RF), with $144 billion in assets, is a member of the S&P 500 Index and is one of the nation’s largest full-service providers of consumer and commercial banking, wealth management, and mortgage products and services. Regions serves customers across the South, Midwest and Texas.