Construction Loan Lenders in Carthage, New York (2026)

Lendersa® provides a list of construction loan lenders in Carthage, NY, featuring regional banks, national lenders, and local hard money lenders. These lenders utilize private funds for ground-up construction or substantial rehab projects.

In Carthage, NY, lenders assess the cost of building a 2,000 square foot home between $279,399 for basic construction and $510,258 for a more elaborate build. The interest rates and terms differ based on the borrower's financial standing, the loan-to-value (LTV) ratio, after-repair value (ARV), and the lender type chosen.

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With Lendersa®'s AI technology, your loan request is efficiently matched with a vast network of construction lenders, ensuring all your financing needs are met. Access competitive construction rates for funding new developments, flips, or major rehabs on both residential and commercial properties in NY.

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To maintain a good credit score, minimizing unnecessary inquiries is crucial. Secure preapproval for your land loan without disclosing your social security number or other sensitive details.

If you can offer additional property as collateral, you might qualify for 100% LTV financing under a blanket loan arrangement.

Utilize the Lendersa® land loan calculator to locate vacant land loan providers by zip codes 13619, facilitating a streamlined search for the best financing options available.



Carthage Construction Loan Lenders

  • Carthage Federal Savings and Loan
  • 313 State St, Carthage, NY, 13619
  • Lends in New York
  • Carthage Savings is a customer owned "Mutual" association. We answer to our customers, not stockholders. We are here to serve our customers with no conflicting profitability pressures. A "Mutual" is similar to a Credit Union with the exception that we pay income taxes. Carthage Savings was founded in 1888

  • Watertown Savings Bank
  • 111 Clinton Street, Watertown, NY, 13601
  • Lends in New York
  • Watertown Savings Bank, a FDIC insured institution, remains true to its mission of conducting business in the best interest of the community and the Jefferson County area for the long term.
    We are ""Committed to our Community and Committed to our Customers"" and we look forward to serving you

  • Northern Credit Union - NY
  • 120 Factory Street, Watertown, NY, 13601
  • Lends in New York
  • Back in 1955, a group of New York Air Brake employees founded Northern Federal Credit Union in Watertown, New York. Their goal was to create a safe, secure place where employees could grow their savings and obtain loans at reasonable rates something the existing financial institutions in town weren't providing.

  • Gouverneur Savings and Loan Association
  • 20 John Street, Gouverneur, NY, 13642
  • Lends in New York
  • It is our mission to invest in, support and nurture the communities we serve. We will endeavor to be a supportive financial partner and we shall provide a close, personal and confidential relationship for each of our customers consistent with safe banking practices. It is our mission to provide a challenging and rewarding environment for our staff.

  • St. Lawrence Federal Credit Union
  • 800 Commerce Park Drive, Ogdensburg, NY, 13669
  • Lends in New York
  • Our mission is to be a trusted provider of financial services while building lasting relationships with our members, employees, and community.Since our beginning in 1954 as the St. Lawrence State Hospital Employees Federal Credit Union, we have focused on making a positive impact on people’s lives.We are committed to honesty

  • AmeriCU Credit Union
  • 1916 Black River Blvd N, Rome, NY, 13440
  • Lends in New York
  • AmeriCU is a not-for-profit credit union owned by members like you. We offer the same products and services as a bank (plus insurance and financial planning) – but with low or no fees, and better rates. Founded in 1950, today AmeriCU has grown to more than 127, 000 members and more than $1.5 billion in assets.

  • Pathfinder Bank
  • 214 West First Street, Oswego, NY, 13126
  • Lends in New York
  • Our company mission is to foster relationships with individuals and businesses within our communities to be the financial provider of choice. Our goal is to continually enhance the value of the bank for the benefit of our shareholders, customers, employees and communities. Pathfinder Bank has been serving the Central New York community since 1859.

  • Fulton Savings Bank
  • 75 South First Street, Fulton, NY, 13069
  • Lends in New York
  • Fulton Savings Bank offers comprehensive banking services near Fulton, NY, including deposit accounts, such as checking accounts and savings accounts, as well as loans, such as personal loans, mortgage loans, home equity loans and more.
    For over 100 years, Fulton Savings Bank has been a trusted provider for competitive Fulton mortgage rates.

  • Adirondack Bank
  • 185 Genesee Street, Utica, NY, 13501
  • Lends in New York
  • Adirondack Bank, we value putting a face to a name. That’s why for over a century we’ve personally dedicated ourselves to delivering trusted, full-service community banking to the families and businesses of Upstate New York. Adirondack Bank consistently provides cutting edge banking, standing as an eight-time recipient of the Small Business Lender