2025 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, 95340, 95341, 95343.



  • Commerce Bank Texas
  • 112 West Fordtran Drive, Stockdale, TX, 78160
  • Commerce Bank Texas, is a state chartered Commercial Bank, with its initial office located in Stockdale, Texas, established in 1932. The Bank’s operations have expanded into San Antonio and Corpus Christi Texas to increase its commercial, real estate, agricultural and consumer banking offerings and to service a broader customer base.
  • The First National Bank of Bastrop
  • 489 Highway 71 W, Bastrop, TX, 78602
  • The arrival of the railroad in Bastrop during the 1880s injected a fresh spirit of progress in the community. This economic upswing opened the way for three forward thinking venture capitalists to open Bastrop County Bank, which was soon bought out by local business men and renamed The First National Bank of Bastrop in August of 1889.
  • Incommons Bank, National Association
  • 301 E. Commerce St., Mexia, TX, 76667
  • Incommons Bank wholeheartedly believes that a community bank is just that — a bank built by the community it serves. For 130 years of handshake banking, Incommons Bank has striven to be "The Best Community Bank in Central Texas, " and has worked closely with its communities and customers by listening to their needs and providing the support to help
  • Classic Bank, National Association
  • 102 North Houston, Cameron, TX, 76520
  • Our Mission is to Building lifelong relationships by exceeding expectations. First National Bank was one of the first banks in the state to be granted a National Charter (Monty Humble, "A History of Banks in Cameron".The Texas Historian, September 1970, p. 8). In 1889 First National Bank of Cameron Opens Doors.
  • Franklin State Bank
  • 278 2nd Ave E., Franklin, MN, 55333
  • At Franklin State Bank, we are your trusted banking partner! Located in Southwest Minnesota, we are happy to serve our friends, family and neighbors by helping them secure home, business, and agricultural loans as well as supplying them with convenient checking, savings and more. Online and mobile banking ensures you get your financial information
  • Home State Bank IA
  • 115 West State Street, Jefferson, IA, 50129
  • At Home State Bank, we truly focus on building lasting relationships to benefit our customers and our community. Our success is rooted in both understanding the full needs of our customers in order to provide the best solution every time, and in giving back to and advocating on behalf of our community to keep it as a great place to live.
  • Grand Savings Bank
  • 1022 South Main Street, Grove, OK, 74344
  • With 12 locations in Northwest Arkansas, Northeast Oklahoma, and the River Valley, Grand Savings Bank has been serving communities since 1981. We have a 30-year track record of supporting the diverse and dynamic needs of our customers, and we are committed to providing straightforward, customized, sound advice that contributes to the growth.
  • Bank of Grand Lake
  • 201 E. 18th Street, Grove, OK, 74344
  • Since 2005 we have been committed to the practice of serving our community. Originally established as The Bank of Grove, we operated as a single location establishment, before opening our second location. In 2017, we expanded our commitment by changing our name to the Bank of Grand Lake, and in 2018 we opened the doors to our Langley location.
  • Rockdale Federal Credit Union
  • 1821 W Cameron Avenue, Rockdale, TX, 76567
  • Rockdale FCU is a multi-service financial co-operative formally organized on January 20th, 1970. The approval of organization certificate was completed and administered by oath from Mr. Cal Phelps, Bureau of Federal Credit Union Examiner to C. E. Magee Jr, Ben Ford, J. D. Maines, Nolin Werchan, Clyde L. Paceley, Thomas E. Alford.