1 Construction Loan Lenders in Las-Cruces, New Mexico in 2026

Lendersa® provides an extensive list of construction loan lenders in Las-Cruces, NM, including regional banks, national lenders, and local hard money lenders who utilize private money for ground-up construction or major rehabilitation projects.

In Las-Cruces, NM, construction costs for a 2,000 square foot home are calculated by lenders, ranging from $232,741 for basic building to $421,623 for more elaborate constructions. The interest rates and terms of these construction loans depend on the borrower's financial situation, the loan-to-value (LTV) ratio, the after-repair value (ARV), and the type of lender chosen.

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Lendersa® employs advanced AI technology to efficiently match your loan requests with hundreds of construction lenders, ensuring that all your financing needs are met. Find the best construction rates available to fund ground-up projects, fix-and-flip ventures, or substantial rehabs on residential and commercial properties in NM.

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Reducing unnecessary credit inquiries will help safeguard your credit score. Get preapproved for a land loan without needing to provide your social security number or any sensitive financial details.

You might qualify for 100% LTV (Loan-to-Value) financing by pledging additional property as security, known as a blanket loan strategy.

Utilize the Lendersa® land loan calculator to find lenders providing vacant land loans in the zip codes 88012.



Las-Cruces Construction Loan Lenders

  • Citizens Bank of Las Cruces
  • 505 S. Main Street, Las Cruces, NM, 88001
  • Lends in New Mexico
  • Citizens Bank opened its doors in the historic Amador Hotel & adopted the “El Cortijo” as its symbol. This symbol depicts the sun radiating to neighboring communities surrounding the central area of trade. The Bank’s founders chose the symbol because they viewed the responsibility of the bank as being the heart of the community.

  • Otero Federal Credit Union
  • 1200 East 10th Street, Alamogordo, NM, 88310
  • Lends in New Mexico
  • OFCU is your one stop shop for all your financial needs. Auto Loans, Mortgage Loans, Personal Loans, Credit Cards. We also have your basic needs Savings, FREE Checking, FREE Debit Card. Otero Federal Credit Union has been open since 1953. It's the 10th largest credit union in New Mexico with assets totaling $429.4 Million.

  • Bank 34
  • 500 E 10th St, Suite 100, Alamogordo, NM, 88310
  • Lends in New Mexico
  • Bank 34 is a community bank founded in 1934 with locations in New Mexico and Arizona. We offer the same quality products, services and technology as the big guys, but a more personalized & friendly banking experience for true relationship banking. Bank 34 was quite literally founded on a dream. It was originally organized

  • First New Mexico Bank
  • 300 S Gold Ave, Deming, NM, 88030
  • Lends in New Mexico
  • First New Mexico Bank came to life in Deming in 1962, under its charter name, Deming National Bank. The bank was first located on the corner of Silver Avenue and Pine Street in which Marie's Italian Grill now resides. In November of 1973, the bank moved into a new building at our present location on 300 South Gold Avenue.

  • Eclipse Funding LLC
  • 200 Grove Dr, Ridoso, NM, 88345
  • Lends in New Mexico
  • Eclipse Funding LLC

    Business financing made simple

    Eclipse Funding LLC helps entrepreneurs secure fast, flexible funding solutions—guiding you from options to approval with clear communication and dependable support. Ready to grow? We are here to help with any situation.  Call 575-517-0316 or visit eclispefunding.net.

  • First State Bank, New Mexico
  • 103 Manzanares Avenue, Socorro, NM, 87801
  • Lends in New Mexico
  • It is First State Bank’s mission to provide the highest level of customer satisfaction, and personalized financial solutions through knowledgeable team members, efficient teamwork, and technological advancements while striving for innovative and creative ways to improve procedures and implement products.

  • Valley Bank of Commerce
  • 217 West 2nd Street, Roswell, NM, 88202
  • Lends in New Mexico
  • Valley Bank’s primary mission has been to serve the banking needs of Roswell as well as Chaves County, and this continues to be the primary driving force behind the bank today. Valley Bank is an independent bank and fully intends to remain independent. The bank has built a reputation of conservative soundness that has served it well

  • Artesia Credit Union
  • 210 North Fifth Street, Artesia, NM, 88210
  • Lends in New Mexico
  • Artesia Credit Union is a member-owned, cooperative, non profit financial services institution founded and operated to encourage thrift among its members, create a source of credit at a fair and reasonable rate of interest, and provide an opportunity for its members to improve their economic condition in a friendly manner.

  • Western Commerce Bank
  • 127 S. Canyon St, Carlsbad, NM, 88220
  • Lends in New Mexico
  • Western Commerce Bank opened its doors June 3, 1961 in the small town of Loving, New Mexico. Since that time, the bank has grown and expanded to include eleven full-service locations throughout New Mexico in Carlsbad, Loving, Hobbs, Lovington, Tatum, and Albuquerque. Our slogan is “Pulling Together For You”, and we take that seriously.

  • New Mexico Bank & Trust
  • 320 Gold Ave SW, Suite 100, Albuquerque, NM, 87102
  • Lends in New Mexico
  • We offer our employees unlimited opportunities for career development, growth and the ability to contribute to the vitality of your community. Our clients choose to bank with us because of our robust product offerings, high-touch service, and commitment and impact in our communities.