2026 Construction Loan Lenders for Opelika, Alabama

The Lendersa® directory of construction loan providers in Opelika, AL comprises regional banks, national institutions, and local hard money lenders, all of whom leverage private capital for projects involving either ground-up construction or substantial renovations.

For a 2,000 Sqft home in Opelika, AL, lenders estimate construction costs ranging from $213,854 for a simplified build to $388,599 for more luxurious construction. The terms and interest rates of these loans fluctuate based on a variety of factors such as the borrower’s financials, Loan-to-Value (LTV) ratio, After-Repair Value (ARV), and the type of lender chosen.

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With additional property pledged as collateral (known as a blanket loan), you could become eligible for 100% LTV financing.

Utilize the Lendersa® land loan calculator to locate potential lenders in the ZIP codes 36804 for loans on vacant land.



Opelika Construction Loan Lenders

  • AuburnBank
  • 100 North Gay Street, Auburn, AL, 36830
  • Lends in Alabama
  • Auburn National Bancorporation, Inc. (Nasdaq: AUBN) is a bank holding company headquartered in Auburn, Alabama, with total assets of $790 million as of March 31, 2015. Through our wholly-owned subsidiary, AuburnBank, we offer a full range of banking services to commercial and retail customers

  • GULF STATES FINANCIAL
  • 305 E. Thach Avenue, Suite H, Auburn, AL, 36830
  • Lends in Alabama
  • Our firm is committed to developing solutions that are on target with your needs, & to implement them competently, responsibly and with confidence. It is our policy to provide independent & sound loan products whatever your financial situation. If you need expert advice that achieves optimal results. Gulf States Financial is your trusted lender.

  • Four Seasons Federal Credit Union
  • 2915 Pepperell Parkway, Opelika, AL, 36801
  • Lends in Alabama
  • Four Seasons Federal Credit Union is a financial institution in Lee County Alabama serving those who live, work, worship, or attend school in Lee County. We offer convenient financial services and a full array of savings, checking, and loan products to meet our member's financial needs.

  • BNB & Associates, LLC
  • 108 Columbus Parkway, Opelika, AL, 36801
  • Lends in Alabama
  • BNB & Associates, LLC is your premier one stop shop real estate broker, mortgage broker and residential contractor. We service the great states of Alabama and Georgia. We list homes, sell homes, finance homes and build homes. We offer Conventional, FHA, USDA, VA, High Balance, Construction, Non-QM and Commercial Loans.

  • Phenix-Girard Bank
  • 801 13th St, Phenix City, AL, 36867
  • Lends in Alabama
  • We are a community Bank whose mission is to provide superior service and innovation to our customers Phenix Girard Bank is a Bank with operations in one state. Phenix Girard Bank offers numerous mortgage programs including conventional, non-owner occupied, FHA, VA, USDA and construction mortgages.