5 Construction Loan Lenders with AI in Lincoln, Alabama 2026

Lendersa® hosts a list of construction loan providers in Lincoln, AL, which includes regional banks, national lenders, and local hard money lenders using private funds for ground-up construction or significant renovations.

In Lincoln, AL, lenders give estimates for a 2,000-square-foot home, ranging from $213,106 for basic builds to $387,851 for more elaborate constructions. The interest rate and loan terms can change based on the borrower's financial status, Loan-to-Value (LTV) ratio, After Repair Value (ARV), and the lender selected.

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The essential construction loan calculator

To fulfill all your construction financing needs, Lendersa®'s AI technology will quickly match your loan request with a vast network of construction lenders. Discover excellent construction rates to finance ground-up construction, fix-and-flip projects, or major renovations for both residential and commercial properties in AL.

Seeking construction loan options near you?

Avoid unnecessary inquiries to protect your credit score. Gain preapproval for your land loan without revealing your social security number or other sensitive financial information.

You may qualify for 100% LTV financing if you agree to use additional property as collateral in a blanket loan.

Utilize Lendersa®'s land loan calculator to find vacant land loan lenders in the zip codes 35160.



Lincoln Construction Loan Lenders

  • The First Bank of Alabama
  • 120 East North Street, Talladega, AL, 35160
  • Lends in Alabama
  • Founded in 1848, FNB is the oldest continuously operating bank in the state of Alabama.

    We are proud to be a member bank of the FDIC and an Equal Housing Lender.

    Our focus is on the Talladega, Lincoln and Munford communities in North Talladega county as well as the surrounding areas. We are a full service bank catering to both consumer

  • Metro Bank
  • 800 Martin Street South, Pell City, AL, 35128
  • Lends in Alabama
  • Our Mission is to grow shareholder value through holding the highest standard of customer service with our customers by consistently exceeding expectations, building relationships and maintaining a strong and active presence in our communities. Metro Bank opened on May 30th, 1989.

  • Coosa Valley Mortgage, Inc.
  • 2107 Martin ST S, Suite 102, Pell City, AL, 35128
  • Lends in Alabama
  • Coosa Valley Mortgage, Inc. is a family owned business established in 1996 to serve St Clair County and the surrounding areas. Our mission is to offer competitive rates while providing top-notch customer service and finding the best loan product for your financial situation. We offer a variety of mortgage loan programs

  • Union State Bank
  • 2019 Cogswell Avenue, Pell City, AL, 35125
  • Lends in Alabama
  • In 1903 a group of far-sighted businessmen, led by J. Fall Roberson, Sr., joined forces to form a bank to serve the future businesses and citizens of Pell City and St. Clair County. One hundred and sixteen years and four generations of independent banking experience later, UnionState continues to grow and serve a broad community with twelve banking

  • NobleBank & Trust
  • 1509 Quintard Ave, Anniston, AL, 36201
  • Lends in Alabama
  • At NobleBank, we are committed to providing the highest quality banking services with a friendly, family-oriented approach that helps both families and businesses in Central Alabama. It’s simple to open or switch your accounts to NobleBank, and our local bankers simplify the process by helping every step of the way.

  • Heritage South Credit Union
  • 60 Gene Stewart Boulevard, Sylacauga, AL, 35151
  • Lends in Alabama
  • Heritage South Credit Union is a full service financial institution with locations in Sylacauga, Childersburg, and Moody, Alabama. We offer a full line of Savings, Checking, Loans, Credit Cards, Certificates, IRAs, and much more! Check out our website for the full line of products we offer.

  • Providence Mortgage PC
  • 311 East 11th Street, Anniston, AL, 36207
  • Lends in Alabama
  • Providence Mortgage PC is a mortgage broker with operations in one state. Providence Mortgage PC offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA, USDA, reverse and construction mortgages. Providence Mortgage PC is a FREEandCLEAR Certified Bronze Low Rate Lender and Mortgage Program Leader.

  • MORTGAGE XPRESS, LLC
  • 153 Narrows Parkway, Suite 103, Birmingham, AL, 35242
  • Lends in Alabama
  • At Mortgage Xpress we take that responsibility very seriously. You can rely on our honesty and the strong desire to exceed your expectation and go beyond call of duty to deliver the results you are looking for. We offer Conventional loans, Adjustable rate loans (ARM), Jumbo loans, FHA, VA and USDA 100% loans, First time home buyer loans

  • Reverse Mortgage Alabama
  • 204 Griffin Park Drive, Suite B, Birmingham, AL, 35242
  • Lends in Alabama
  • Reverse Mortgage Alabama has been exclusive to the Reverse Mortgage or HECM (Home Equity Conversion Mortgage) program in Birmingham and Huntsville, Alabama since 2007. I am honored to serve homeowners age 62 plus throughout the South and I am dedicated to helping you leverage the power of your home equity to achieve greater financial independence.

  • Gagliano Mortgage, Inc
  • 4500 Valleydale Road, Suite F, Birmingham, AL, 35242
  • Lends in Alabama
  • Gagliano Mortgage, Inc team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.