367 Construction Loan Lenders with AI in Berea, Kentucky 2026

The Lendersa® directory in Berea, KY, lists construction loan lenders including regional banks, national lenders, and local hard money lenders, all using private funds for ground-up construction or major renovations.

In Berea, KY, lenders estimate costs for constructing a 2,000-square-foot home to range from $224,167 for standard builds to $406,769 for more lavish ones. Interest rates and terms vary based on financial health, loan-to-value (LTV) ratio, after-repair value (ARV), and lender choice.

Explore offers from 100 lenders to find the best fit.

Your Essential Construction Loan Calculator

Lendersa® uses AI technology to match your needs with numerous construction lenders, ensuring all financing demands are met. Find optimal construction rates for funding ground-up projects, fix-and-flip initiatives, or major rehabs for residential and commercial properties in KY.

Local Construction Loan Lenders

Reduce credit score impacts by avoiding unnecessary inquiries. Secure preapproval for a land loan without providing your social security number or sensitive financial details.

Eligible for 100% LTV financing? Collateralize with additional property under a blanket loan agreement.

Use the Lendersa® land loan calculator to pinpoint vacant land loan lenders in ZIP codes 40404, 40403, simplifying your search for necessary lending solutions.



  • Encore Mortgage LLC
  • 1001 Dupont Road, Suite 110 B, Louisville, KY, 40207
  • Lends in Kentucky
  • Encore Mortgage, LLC, we understand your house is your home—not a loan. We know this because we’ve always been in the business of caring about our customer’s journey, writing our story right alongside yours. Whether you are first time home buyer, purchasing your dream home, or refinancing an outstanding loan.

  • Carrollton Federal Bank
  • 2539 Highway 227, Carrollton, KY, 41008
  • Lends in Kentucky
  • Established in 1875, Carrollton Federal Bank is the oldest financial institution in Carroll County. Since 1937 Carrollton Federal has been FDIC insured. To best serve our customers in 2002 we converted to a full service bank and changed our name from Carrollton Federal Savings & Loan to Carrollton Federal Bank.

  • Bedford Loan & Deposit Bank
  • 45 Highway 42 East, Bedford, KY, 40006
  • Lends in Kentucky
  • Bedford Loan & Deposit Bank opened its doors in Bedford, Kentucky at 45 highway 42 East on November 2, 1891 as a full service bank. It was not until 85 years later that a second branch was established. On April 5, 1976, 1029 Brownsboro Road became the home of the Sligo Branch. This branch is now located at 943 Pendleton Road in Pendleton Kentucky.

  • Stock Yards Bank & Trust
  • 1040 E Main St, Louisville, KY, 40206
  • Lends in Kentucky
  • Stock Yards Bank & Trust Company, which was established in 1904 in Louisville, KY and now has offices in the Louisville, Indianapolis, Cincinnati & Central/Eastern Kentucky metropolitan markets. In addition to its banking operations, Stock Yards Bank & Trust Company offers a broad array of other financial services.

  • West Point Bank
  • 600 W. Lincoln Trail Blvd., Radcliff, KY, 40160
  • Lends in Kentucky
  • West Point Bank is proud to be a locally-owned hometown bank. We are dedicated to not only meeting but exceeding your customer service expectations of quality customer service.This bank and every director, officer and employee is a part of this community. We live, shop and belong to the same organizations as you.

  • Abound Credit Union
  • PO Box 900, Radcliff, KY, 40159
  • Lends in Kentucky
  • Abound Credit Union Headquartered in Radcliff, Kentucky, we are 17 branches strong and offer smart banking solutions to over 100, 000 members throughout Central Kentucky. We are the largest Kentucky based credit union and believe that together we can make more possible. If you are looking for more in life, and a bank, we’re here for you. Together w

  • River City Bank, Inc.
  • 500 South Sixth Street, Louisville, KY, 40202
  • Lends in Kentucky
  • At River City Bank, we pride ourselves on our hometown roots. Being a hometown bank means more than citing an address in Jefferson County, it means we are active members of this community. We live where you live, shop where you shop and support many of the same charitable organizations that you are a part of.

  • LG&E Co. Credit Union
  • 820 West Broadway, Louisville, KY, 40202
  • Lends in Kentucky
  • LG&E Co. Credit Union was founded in 1934. LG&E provides space to assist the Credit Union in both offices downtown. Our Credit Union belongs to its members. The Credit Union philosophy is summed up in the phrase "People Helping People". It is a teamwork concept called a cooperative - in which depositors and borrowers are mutually benefited.

  • Smith Broady & Associates
  • 1114 E. 10th Street, Jeffersonville, IN, 47130
  • Lends in Kentucky
  • Smith Broady and Associates was founded in 2008 to serve the mortgage service needs of Southern Indiana by Leslie Smith & Sonya Broady after many years of experience in the mortgage industry. Their combined industry experience and knowledge is brought together & transferred to our team of Loan Officers to ensure your mortgage is handled accurately.

  • Farmers Bank of Milton
  • 41 Ferry Street, Milton, KY, 40045
  • Lends in Kentucky
  • At Farmers Bank of Milton, we strive to offer the superior banking service our customers expect. Most importantly, we want to ensure that our experienced staff delivers these services in a friendly, efficient manner. We are proud to be a part of our communities and to participate in the growth and prosperity of our region.