3 Construction Loan Lenders with AI in Brainerd, Minnesota 2026

Lendersa® offers a detailed list of construction loan lenders in Brainerd, MN, which includes regional banks, national institutions, and local hard money lenders. These lenders employ private funds to support your ground-up construction or major rehabilitation projects, providing diverse financing solutions tailored to various needs.

In Brainerd, MN, the construction costs for a 2,000 square-foot home can range from $188,902 for basic builds to $345,071 for more luxurious designs. Interest rates and loan terms vary based on borrowers' financial profiles, including LTV, ARV, and the type of lender chosen. These factors are crucial in determining the affordability and viability of your project's financing.

Compare loan offers from 100 lenders to find the most suitable solutions for your construction plans.

Discover the comprehensive construction loan calculator

With Lendersa®'s AI technology, your loan requests are matched instantly with hundreds of construction lenders, ensuring your financing needs are thoroughly met. Explore excellent construction rates to fund ground-up constructions, fix-and-flip ventures, or major renovations on residential and commercial properties in MN. This tool helps you navigate and secure the best financial options.

Locate nearby construction loan lenders

To protect your credit score, minimize unnecessary inquiries. Easily attain preapproval for your land loan without needing to provide your social security number or any sensitive personal information.

You might qualify for 100% LTV financing if you utilize additional property as security under a blanket loan agreement.

Utilize the Lendersa® land loan calculator to find lenders offering vacant land loans in the zip codes 56401, making it easier to find location-specific financial solutions.



  • Olmsted National Bank
  • 975 34th Avenue NW, Rochester, MN, 55901
  • Lends in Minnesota
  • ONB Bank is the sole member of Olmsted Holding Corporation, a bank holding company headquartered in Rochester, Minnesota. ONB Bank offers a full array of services while maintaining the integrity of a community bank where decisions are made locally. ONB Bank takes pride in having served our community since 1996.

  • Sterling State Bank
  • 4200 Badger Hills Dr NW, Rochester, MN, 55901
  • Lends in Minnesota
  • Sterling State Bank has been providing consumer and commercial banking services to Austin, MN and the southeast MN area for over 50 years. Our experienced Personal Bankers and mortgage Lenders can help with any of your banking needs from home mortgages to business cash management services.

  • MCT Financial
  • 3240 East River Road, Rochester, MN, 55906
  • Lends in Minnesota
  • At MCT Financial, we have over 30 years of experience in serving mortgage borrowers. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. We offer unparalleled mortgage and refinance service to clients throughout the entire State of Minnesota!

  • Main Source Mortgage
  • 3224 6th Ave NE, Rochester, MN, 55906
  • Lends in Minnesota
  • Main Source Mortgage our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the loan process so that you can confidently select the best loan for you & your company from the many loan options that are available today.

  • First Security Bank
  • 316 Byron Avenue North, Byron, MN, 55920
  • Lends in Minnesota
  • First Security Bank is a local, family owned bank that is a proud supporter in helping customers achieve financial success and freedom. We are passionate about the community in which we live and work and strive to pay it forward and make a positive impact to better the lives of others.

  • First Financial Bank in Winnebago
  • 1 Main Street South, Winnebago, MN, 56098
  • Lends in Minnesota
  • First Financial Bank has been foundational in the community of Winnebago and surrounding area since beginning in 1870. It remains "Rooted in the Community" providing "Big Bank" services with small town service to our customers' personal, commercial, and agricultural banking needs.

  • Alerus Financial
  • 401 Demers Ave, Grand Forks, ND, 58201
  • Lends in Minnesota
  • With roots tracing back to 1879, Alerus is a diversified financial services company with approximately $31.5 billion in assets under administration/management. We provide business and consumer banking products and services, residential mortgage financing, employer-sponsored retirement plans and wealth management services.

  • Peoples State Bank
  • 100 4th Ave SE, Suite 6, Plainview, MN, 55964
  • Lends in Minnesota
  • Since 1925, Peoples State Bank has been proud to serve the banking needs of our community. The original owner, William R Zabel, solidified his vision with the very first PSB branch in Plainview, MN. Since those early days, PSB has expanded to include branches in Altura and Elgin, MN, as well as Boyceville and Menomonie, WI.

  • Unity Bank.
  • 207 W Lincoln Street, Augusta, WI, 54722
  • Lends in Minnesota
  • Unity Bank is a family owned community bank with offices in Minnesota, Montana, and Wisconsin. With 16 locations, $565 million in assets, and 165 employees, Unity Bank continues to be an integral member of the communities we serve and is committed to providing a full range of products to meet our customer’s financial needs.

  • Citizens State Bank of Roseau
  • 118 Main Avenue South, Roseau, MN, 56751
  • Lends in Minnesota
  • Citizens State Bank of Roseau has been your friendly hometown bank since 1905. Citizens State Bank of Roseau operates as a bank. The Bank offers personal and commercial checking, savings, and loans, as well as online, mobile, and text banking services. Citizens State Bank of Roseau serves customers in the United States.

  • First Alliance Credit Union
  • 300 North Main Street, Stewartville, MN, 55976
  • Lends in Minnesota
  • At First Alliance Credit Union, we place our members' (and future members) needs first by providing compassion, guidance, and resources to promote their financial well-being. At First Alliance Credit Union, we want to be the trusted partner of choice for the financial success of our members and the communities we serve.

  • First Farmers & Merchants Bank
  • 128 N Main St, Austin, MN, 55912
  • Lends in Minnesota
  • We strive to be recognized as the financial institution of choice in all of the communities we serve.We continue to be a premier community bank focusing on agricultural & small business lending. We maintain a strong, positive, team-oriented work environment and are recognized as a great place to work. We strive to exceed our customers’ expectations