2025 Construction Loans use AI Lenders complete for Tracy, California

The Lendersa® directory in Tracy, CA features construction loan lenders such as regional banks, national lending institutions, and local hard money lenders. These lenders provide private capital for undertaking ground-up constructions or major renovations.

For a 2,000 square foot home in Tracy, CA, lenders estimate construction costs ranging from $323,362 for basic structures to $581,660 for more luxurious builds. The interest rates and terms of construction loans differ based on the borrower’s financial status, LTV, ARV, and the selected lender type.

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Lendersa®'s AI technology ensures all your construction financing needs are met by matching your loan request with hundreds of lenders, rapidly. Discover optimal construction rates for funding new constructions, fix-and-flip projects, or major renovations of residential and commercial properties in CA.

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By minimizing unnecessary inquiries, you can help maintain your credit score. Obtain preapproval for your land loan without needing to disclose your social security number or any sensitive financial details.

Eligibility for 100% LTV financing could be possible by using a blanket loan to pledge additional properties as collateral.

Utilize the Lendersa® land loan calculator to identify lenders in zip codes 95377, 95376, 95304 that offer vacant land loans.



  • Financial Federal Bank
  • 1715 Aaron Brenner Drive, Suite 100, Memphis, TN, 38120
  • Financial Federal is locally owned and operated and remains a community bank that specializes in high quality customer service and customized banking solutions. Our board and senior management continue to focus on creating an atmosphere that is appreciated by those who value the confidence that comes from experience
  • First State Bank of Beecher City
  • 101 South Charles Street, Beecher City, IL, 62414
  • First State Bank of Beecher City has been providing personal service to its friends and neighbors. Beginning as a private institution, P.R. Phillips & Co, Bankers of Beecher City started in 1907. Later in 1910, The First State Bank of Beecher City was incorporated with 14 original stockholders and began construction of a new building.
  • Paragon Bank
  • 5400 Poplar Avenue, Memphis, TN, 38119
  • Paragon Bank prides itself on offering superior service based on a combination of banking expertise and local knowledge. A full-service bank with a comprehensive package of banking solutions delivered both in person and online, Paragon bankers provide big bank products and capabilities with community bank personal service.
  • Spruill Global Funding LLC
  • 6263 Poplar Avenue, Suite 201, Memphis, TN, 38119
  • Spruill Global Funding LLC is dedicated to help business owners find the right loan products for commercial finance, refinancing your existing real estate, purchases, equipment purchasing, merchant cash advances and we offer an array of other products. We service the local Memphis, Cordova, Collierville areas.
  • First Federal Savings and Loan Association of Central Illinois
  • 200 N Morgan Street, Shelbyville, IL, 62565
  • First Federal Savings & Loan Association of Central Illinois is the result of the merger of First Federal Savings & Loan Association of Shelbyville and Charleston Federal Savings & Loan. Both institutions were originally formed under state charters as cooperative home financing organizations to provide a safe place for their members.
  • Anna State Bank
  • 100 East Vienna Street, Anna, IL, 62906
  • Anna State Bank opened for business on September 18, 1930. When the bank first opened at the corner of Main Street and Vienna Street in Anna, the bank’s resources were around $300, 000, compared to over $75 million today. A.W. Walter was the first President of the bank and was succeeded in 1934 by P.M. West who held the position for many years
  • Ixonia Bank
  • WI046 Marietta Avenue, Ixonia, WI, 53036
  • For over 100 years, Ixonia Bank has been a locally owned, independent community bank. Experience the benefits of community banking at its best - fast decision-making, customized solutions, local expertise, and responsive, and flexible service. And most importantly experience relationships built on trust and understanding.
  • State Bank of Graymont
  • 1100 W. Howard Street, Pontiac, IL, 61764
  • The State Bank of Graymont was founded in 1913. Organizers for the State Bank of Graymont were headed by a Pontiac banker from the old National Bank of Pontiac. Other younger officers from the National Bank of Pontiac were also involved. Plus, there were other investors from the Pontiac area along with several investors from the Graymont area.