2026 Construction Loans use AI Lenders complete for Merced, California

The Lendersa® compilation of construction loan lenders in Merced, CA includes regional banks, national lenders, and local hard money lenders. These lenders utilize private money to finance ground-up construction projects and major renovations.

In Merced, CA, lenders estimate the construction cost of a 2,000 square foot home starting at $323,791 for basic structures, and reaching $582,089 for fancier constructions. Interest rates and loan terms vary according to borrower financials, LTV, ARV, and the type of lender chosen.

Compare loan offers from 100 different lenders

Introducing the magic construction loan calculator

Lendersa® employs AI technology to match your loan requests with many construction lenders, ensuring all your financing needs are met. Find the most favorable construction rates to fund ground-up builds, fix and flips, or substantial rehabs on both residential and commercial properties in CA.

Searching for construction loan lenders nearby?

To protect your credit score, avoid unnecessary inquiries. Preapprove your land loan without needing to provide your social security number or sensitive financial information.

You may qualify for 100% LTV (Loan to Value) financing, provided you agree to pledge additional properties as collateral through a blanket loan.

Use Lendersa®'s land loan calculator to locate vacant land loan lenders in zip codes 95348.



  • Centinel Bank of Taos
  • 512 Paseo Del Pueblo Sur, Taos, NM, 87571
  • At Centinel Bank we are invested in the success of our customers and are grateful they choose to bank with us. Community banking is about building relationships & working for the betterment of our customers, our employees, and our local community, this is why we feel a strong commitment to providing excellent service, building strong relationships.

  • Dimond Mortgage
  • 705A Paseo del Pueblo Sur, Taos, NM, 87571
  • We will work with you to get you the best financing arrangement possible, and we will never take our relationship with you for granted or betray the trust you place in us. You will find, like the many satisfied customers shown on this site, that Dimond Mortgage is truly a cut above for all your mortgage needs.

  • UniWyo Credit Union
  • 2020 Grand Ave, Suite 100, Laramie, WY, 82070
  • At UniWyo, we put people first - our members, our colleagues, everyone in our communities. In all we do - even the smallest interactions - we aim to better people's lives.

    UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, Xtraordinary Checking, Credit Cards and much more.

  • COLONIAL SAVINGS, F.A.
  • 2020 Grand Ave, Suite 100, Laramie, WY, 82070
  • Colonial is a national provider of banking, home loans and insurance. Founded in 1952, the company has $1 Billion in assets and is privately held by choice to ensure our focus remains on our customers and not the expectations of Wall Street. Colonial is rated “Five Stars – Highly Recommended” as one of the strongest financial institutions

  • Loan Zone Mortgage, LLC.
  • 28225 Hwy 74, Suite 202, Evergreen, CO, 80439
  • The Loan Zone Mortgage, LLC. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

  • Colorado Hard Money
  • 1153 Bergen Parkway, Suite 227, Evergreen, CO, 80439
  • Fairview is a private commercial and residential lender. We are a direct lender with no upfront fees. We strictly lend our own money and hold / service all of our own loans. All decisions are made in house which allows us to close loans quickly. When you work with Fairview, you work directly with the decision makers

  • Yellowstone Bank
  • 12 1st Avenue, Laurel, MT, 59044
  • Yellowstone Bank is pleased to bring a full array of highly competitive products and services to the communities we serve. Drawing on more than 100 years of banking experience, Yellowstone Bank has achieved a strong and growing presence in the financial services marketplace. Yellowstone Bank was founded by B. M. Harris in 1907.

  • Citizens Bank & Trust Company
  • 32 Central Avenue North, Harlowton, MT, 59036
  • The history of our bank traces back to the first financial institution in Big Timber. In 1890 William Shanks and Thomas Lee placed some private funds in an office safe and for a while did a loan business. The following year Shanks helped organize and became Vice President of Big Timber National Bank.

  • Evergreen National Bank
  • 28145 Highway 74, Evergreen, CO, 80437
  • Evergreen National Bank is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.