351 Construction Loan Lenders with AI in Richmond, Kentucky 2025

The Lendersa® roster of construction loan lenders in Richmond, KY incorporates various financial sources like regional banks, nationwide lenders, as well as local hard money lenders utilizing private capital for projects such as ground-up construction or major rehabilitation efforts.

These lenders provide estimates tailored to the construction costs of a 2,000 square foot home in Richmond, KY, ranging from $224,398 for basic builds to $407,000 for more opulent ones. Interest rates and loan terms fluctuate based on the borrower's financial situation, the loan-to-value (LTV) ratio, the after-repair value (ARV), and the type of lender chosen.

Take advantage and compare loan offers from over 100 different lenders to find the best fit for your requirements.

Explore the exceptional construction loan calculator

With the assistance of Lendersa® AI technology, your loan request is swiftly matched with hundreds of construction lenders, ensuring all your financial needs for construction are met. Unearth optimal construction rates to support projects ranging from ground-up constructions to major renovations on both residential and commercial properties within KY.

Seeking construction loan lenders in your vicinity?

To enhance and maintain a strong credit profile, minimize unnecessary inquiries. Obtain preapproval for your land loan without providing your social security number or other sensitive financial details.

You could qualify for 100% LTV (Loan to Value) financing by pledging additional property as collateral, known as a blanket loan.

Make use of the Lendersa® land loan calculator to effectively locate vacant land loan lenders within the zip codes 40475, 40476. This tool aids in efficiently connecting you with potential lenders catering to your specific needs.



  • Whitaker Bank
  • 2001 Pleasant Ridge Drive, Lexington, KY, 40509
  • Founded in 1978 by Mr. Elmer Whitaker as Whitaker Bancorp, what is now Whitaker Bank Corporation of Kentucky has expanded from five locations within three counties and total assets of $59 million to 45 banking locations within 17 counties and combined total assets of $2.05 billion. Whitaker Bank and Peoples Bank operate as wholly-owned
  • Martin Blair - EMB Lenders
  • 141 Prosperous Place, Suite 25, Lexington, KY, 40509
  • Our team of mortgage professionals, led by Martin Blair, has well over a century of experience "making home happen". Powered by EMB Lenders, a Division of Mid America Mortgage Inc, our team has nationwide reach but provides a personalized, hands-on loan experience. We are currently licensed to provide mortgages in-house.
  • MSI Lending of Lexington
  • 3270 Blazer Parkway, Suite 202, Lexington, KY, 40509
  • At MSI Lending of Lexington we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.
  • Farmers Bank Jessamine County
  • 200 North Main Street, Nicholasville, KY, 40356
  • One of the earliest financial institutions in Jessamine County was the Farmers Exchange Bank, located on the corner of Main and Walnut Streets in Nicholasville. As with many individuals and businesses, they experienced financial hardships during the depression of the late 1920’s early 1930’s.
  • Peoples Exchange Bank
  • 101 North Main Street, Winchester, KY, 40391
  • Peoples Exchange Bank is proud to be your community bank. We strive to be first in what matters to our customers. Helping you pay less, earn more, protect smarter and borrow wisely. Since 1912, we've built a trusted name by helping our customers, our employees and our communities.
  • Bank of Lexington
  • 761 Corporate Dr, Lexington, KY, 40503
  • Bank of Lexington As our name implies, we’re a local bank with a vested interest in our neighbors and Lexington. That’s the way it’s been since 2006, when we opened our first bank on Harrodsburg Road. Now with three locations, we continue to meet the growing financial needs of our community. From home mortgages, business accounts and free checking
  • Bank Of The Bluegrass
  • 215 Southland Dr, Lexington, KY, 40503
  • Bank of the Bluegrass & Trust Co., is a locally owned community bank serving Lexington, Ky., and it's surrounding communities for over 45 years. We create relationships for life with our clients by providing a full range of services to meet their personal and business needs. These services are delivered and supported by experienced professionals th
  • HSLC - Lexington Loan Production Office
  • 444 E Main St 106, Lexington, KY, 40507
  • We offer loan services in Lexington while providing mortgage industry expertise in their next purchase or refinance. Our loan services include residential and commercial loans. Whether you're looking to buy a new home or car, purchase commercial property, buy farmland or farm equipment, you can get started with The Home Savings and Loan Company.
  • Central Kentucky Ag Credit
  • 640 S Broadway, Lexington, KY, 40508
  • Central Kentucky Agricultural Credit Association is an agricultural lending cooperative owned by its member‐borrowers. It provides farm loans for land, equipment, Livestock and production and rural home mortgages. Ag Credit serves the 17 counties of central Kentucky with seven branch locations. Ag Credit is part of the national Farm Credit System.