2026 Construction Loan Lenders for Providence, Kentucky

Lendersa® provides a list of construction loan lenders in Providence, KY, including regional banks, national lenders, and local hard money sources that utilize private funds for ground-up construction projects or major rehabbing.

In Providence, KY, construction costs for a 2,000 square-foot home range from $223,078 for basic builds to $405,680 for more elaborate constructions. Interest rates and loan terms vary based on borrowers' financial details, Loan-to-Value (LTV) ratio, After Repair Value (ARV), and the type of lender chosen.

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To meet all your construction financing needs, Lendersa®'s AI technology will match your loan request with numerous construction lenders. You can now find excellent construction rates to support ground-up projects, fix-and-flip efforts, or major rehabs on residential and commercial properties in KY.

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Keeping inquiries to a minimum helps maintain your credit score. Achieve preapproval for your land loan without needing to disclose your social security number or any sensitive financial information.

Consider qualifying for 100% LTV (Loan to Value) financing by pledging additional property as security, known as a blanket loan.

Use the Lendersa® land loan calculator to discover vacant land loan lenders in the zip codes 42450.



Providence Construction Loan Lenders

  • First United Bank and Trust Company
  • 162 North Main Street, Madisonville, KY, 42431
  • Lends in Kentucky
  • First United Bank and Trust Company is a real community bank, formed in 1996 to fill a need for traditional, personal banking in the area. Today, even though we’ve grown, our roots remain in community banking. Our focus is to support the communities we serve with the best possible products and services.

  • Farmers Bank and Trust Company
  • PO Box 559, Princeton, KY, 42445
  • Lends in Kentucky
  • FARMERS BANK AND TRUST COMPANY is an entity registered with the U.S. General Services Administration (GSA), System for Award Management (SAM). The corporation number is #J6GLPKB2MRG2. The business address is 111 W Washington St, Princeton, KY 42445-1907, USA. The point of contact name is Scott Laffoon.

  • Farmers Bank & Trust Co
  • 201 S Main St, Marion, KY, 42064
  • Lends in Kentucky
  • At Farmers Bank & Trust, we want to change your ideas about what a bank can do for you. For us, doing the right thing is the only thing. Because for us, your story becomes our story. Whatever life throws at you, we’ll be right here when and where you need us—whether it’s on the same corner that we were founded on in 1899.

  • Field & Main Bank
  • 140 North Main Street, Henderson, KY, 42420
  • Lends in Kentucky
  • At Field & Main Bank®, we believe that banking should be built on more than transactions. It should start with relationships. We have a heart for service and an appreciation for innovative experiences. We’re changing lives and strengthening communities by approaching relationships with care, honoring our values.

  • Planters Bank
  • 1312 S Main St, Hopkinsville, KY, 42240
  • Lends in Kentucky
  • Planters Bank is a growing community bank with 12 offices in Western Kentucky & Clarksville, Tennessee. Headquartered in Hopkinsville, KY, Planters is a full-service bank with a wide array of both consumer & commercial lending and deposit services. A tradition of excellence in customer service is the reason you can Expect Great Things.

  • Independence Bank
  • 2425 Frederica St, Owensboro, KY, 42301
  • Lends in Kentucky
  • Independence Bank sought to create a banking revolution. Shortly after appointing the Bank’s current CEO in 1991, Independence Bank arrived at a flashpoint in this mission. It was a time when financial multinationals marched through communities annexing smaller banks. Centralized, “big bank” practices became the norm.

  • United Southern Bank
  • 1813 East 9th St, Hopkinsville, KY, 42241
  • Lends in Kentucky
  • United Southern Bank offers a range of banking services to meet today’s financial needs, from Personal Checking and Savings Accounts to Individual Retirement Accounts (IRAs) to Mortgage Loans with competitive rates. We also offer an array of business services including Commercial Checking, Business Savings Accounts

  • Bank of Cadiz and Trust Company Cadiz
  • 79 Main Street, Cadiz, KY, 42211
  • Lends in Kentucky
  • The Bank of Cadiz was chartered April 22, 1970 and opened for business on August 7, 1970 in a temporary location at Main and Brown Streets in Cadiz, Trigg County, Kentucky. Some 200 shareholders invested in the bank after being organized by George Bleidt, William E. Fuller, John O. Hill, T. Lacy Jones, Vance Leneave,