2025 Construction Loans use AI Lenders complete for Spencer, North Carolina

Lendersa® list of construction loan lenders in Spencer, NC include regional banks, national lenders, and local hard money lenders utilizing private money for your ground-up construction or major rehab.

Lenders calculate to construction cost in Spencer, NC of 2,000 Sf home at $238,472 for basic construction to $433,756 for fancier contraction. Interest rate and the construction loan terms are varied depending on the borrowers' financials, the LTV, ARV, and type of lender selected.

Compare loan offers from 100 lenders

The magic construction loan calculator

To ensure all of your construction financing needs are being met, Lendersa® AI technology will instantly match your loan request with hundreds of construction lenders. You can now discover the best construction rates to fund ground-up construction fix N flip or major rehab on residential and commercial properties in North Carolina.

Construction loan lenders near you?

Avoiding unnecessary inquiries will reduce your credit score. Get preapproved for your land loan without the need to see your social security number or any sensitive financial information.

You may qualify to get 100% LTV (Loan to value) financing when you agree to pledge additional property as security (blanket loan).

Use Lendersa® land loan calculator to find vacant land loan lenders in zip codes 28144, 28159.



  • Cedar Falls Community Credit Union
  • 123 W 4th Street, Cedar Falls, IA, 50613
  • CFCCU was originally chartered in 1958 as a member-owned financial co-operative serving the needs of a local machinists union. Membership was extended to other groups of employees over the years until in 1982, CFCCU received a community charter. Our current field of membership includes individuals who live or work in 7 Iowa counties.
  • WESLA Federal Credit Union
  • 2921 Williamson Way, Shreveport, LA, 71118
  • WESLA Federal Credit Union was founded in 1971 to serve the employees of Western Electric. When massive layoffs by Western Electric began in the 80's, WESLA began expanding its eligibility to include multiple Select Employee Groups. The Caddo Teachers Association Credit Union was among the eight (8) credit unions merged into WESLA.
  • Progressive National Bank
  • 3000 Bert Kouns, Shreveport, LA, 71118
  • Progressive National Bank of Desoto Parish is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple
  • Grand Savings Bank
  • 1022 South Main Street, Grove, OK, 74344
  • With 12 locations in Northwest Arkansas, Northeast Oklahoma, and the River Valley, Grand Savings Bank has been serving communities since 1981. We have a 30-year track record of supporting the diverse and dynamic needs of our customers, and we are committed to providing straightforward, customized, sound advice that contributes to the growth.
  • Bank of Grand Lake
  • 201 E. 18th Street, Grove, OK, 74344
  • Since 2005 we have been committed to the practice of serving our community. Originally established as The Bank of Grove, we operated as a single location establishment, before opening our second location. In 2017, we expanded our commitment by changing our name to the Bank of Grand Lake, and in 2018 we opened the doors to our Langley location.
  • Northern Interstate Bank, National Association
  • 501 W. US Highway 2, Norway, MI, 49870
  • Northern Interstate Bank, N.A. is focused on making local decisions with the best interest of our communities and customers in mind. Northern Interstate Bank, N.A. has 8 branch offices and 13 ATM locations to conveniently satisfy your banking needs. Below is the contact information and hours of operation for each office.
  • G.E.C.U.
  • 225 La Crosse St, La Crosse, WI, 54602
  • Since we opened our doors in 1931, we’ve been making each and every one of our members feel like they count. And in fact, they do — every member of G.E.C.U. is also a partial owner. There’s always been and always will be a staff of friendly, helpful people at G.E.C.U. who get to know you by name.
  • Cloverbelt Credit Union
  • 110 McIndoe Street, Wausau, WI, 54403
  • Cloverbelt Credit Union was originally organized by local farmers who found it difficult to obtain financial support elsewhere. Needing an outlet through which they could borrow money as well as a savings headquarters, the credit union was born. CCU’s Articles of Incorporation were signed on October 23, 1935
  • Decorah Bank and Trust Co
  • 202 East Water Street, Decorah, IA, 52101
  • Established in 1935 during the depression by a small group of concerned citizens. Today we are a 2nd and 3rd generation family owned bank that is able to think differently because we're not owned by outside investors at a far-away headquarters. By being family and employee owned we're able to be uniquely responsive to customer and community needs.