338 Construction Loan Lenders with AI in Spencer, Iowa 2025
Lendersa® features a comprehensive roster of construction loan lenders in Spencer, IA, including regional banks, national lenders, and local hard money lenders who use private funds. These lenders provide financing for ground-up construction or major rehab projects, offering various financial solutions tailored to meet diverse borrower needs.
In Spencer, IA, lenders calculate costs for a 2,000 square-foot home, ranging from $170,814 for basic builds to $313,076 for more upscale constructions. Interest rates and loan terms vary based on factors like the borrower's financial situation, Loan-to-Value (LTV) ratio, After Repaired Value (ARV), and lender selection, allowing for customized solutions.
Lendersa® utilizes AI technology to efficiently match your loan requests with hundreds of construction lenders, ensuring all financing needs are addressed. Discover the best construction loan rates for ground-up builds, fix-and-flips, or major rehabs on both residential and commercial properties in IA.
Locating Construction Loan Lenders Nearby
To protect your credit score, avoid unnecessary inquiries. Get preapproved for a land loan without needing to provide your social security number or sensitive financial information, safeguarding your privacy and expediting the process.
Consider obtaining 100% LTV financing by using additional property as collateral through a blanket loan, enhancing your borrowing capacity for larger projects.
Use the Lendersa® land loan calculator to identify vacant land loan providers in zip codes 51301, simplifying your search for specialized financing solutions to support your land acquisition and development goals.
Peoples Bank is a locally owned, full service community bank that serves Northwest Iowa and Southwest Minnesota. With offices in Rock Valley, Lester, Sioux Center, Akron, Sheldon, Hawarden, Hinton, Sioux City, IA, and Jasper, MN, we are equipped to serve our customers in their very own community.
At American State Bank, we are committed to the accomplishment of our mission, adherence to our values, and the belief that employees are our number one resource. We expect all employees to support and commit to our values and behavioral expectations. We currently have 9 locations, Sioux Center Downtown Campus, Alton, Alvord, Granville, Hospers.
United Bank of Iowa is a bank with operations in one state. United Bank of Iowa offers numerous mortgage programs including conventional, USDA, construction and agricultural loan mortgages.
United Bank of Iowa is an independent financial services organization focusing on creating and maintaining personalized customer relationships
Primebank has been an integral part of the growth and development of the communities it serves. In 1891, the bank was founded with the name German State Bank. Security Bank, founded in 1889, was sold to German State Bank that same year. While still the same banking institution, our bank has changed its name several times.
Westside State Bank first opened the doors of our Westside, Iowa location in 1906. Since those early days, we've been dedicated to offering the conveniences and value of a big bank, while still maintaining the integrity and charm of a community bank — where decisions are made locally and interactions are handled by people you know and trust.
Since our beginning in 1945 as Farmers Bank & Trust Company of Crystal Lake, MBT Bank has always focused on improving the services offered to better the lives of customers and the communities we serve. As a community bank, the growth of MBT Bank from its inception, has stemmed from making fiscally responsible decisions
Iowa Savings Bank We appreciate the time you are taking to learn more about one of the most reputable and strongest local banks in Western Iowa. We believe it is important first of all to serve the needs of our customers whether it be as a safe haven for their funds or as a source of funds for public, business, family and personal needs.
Since 1870, Availa Bank has been providing Iowans with high quality financial products and services to fit their needs. With such a rich history, you can be sure we have the service and expertise you’re looking for in a financial institution. We have something for all your needs, whether you want to take out a loan.
In 2003, Liberty National Bank was created by a group of local investors who had a vision for a “true community bank." Your answer for all banking needs, including mortgages, financing, free checking, online banking, bill pay, personal savings & checking accounts, home & commercial loans, wealth management and trusts.
Reliance State Bank is a local, full-service bank proudly serving Story City, Garner and the surrounding communities. We offer all the traditional banking products and services you need, along with the latest on-the-go banking options you want. Our commitment is to deliver the highest quality service to each and every customer.
Security National Bank was chartered in 1884 in Sioux City, Iowa, founded on the time-tested principles of integrity, honor, open-mindedness, efficiency, good humor, respect, duty and human connection These principles served as guideposts that enabled SNB to withstand the economic panic of the late 1800s, the Great Depression.
