2026 Construction Loan Lenders for Le-Ray, New York

Lendersa® provides a comprehensive list of construction loan lenders available in Le-Ray, NY, featuring a variety of options such as regional banks, national lenders, and local hard money lenders. These lenders leverage private funds for projects like new constructions from the ground up or significant renovations.

For a 2,000 square foot home in Le-Ray, NY, lenders estimate costs ranging from $286,472 for basic designs to $517,331 for more elaborate constructions. Interest rates and loan terms will vary based on the borrower's financial profile, LTV, ARV, and the lender chosen.

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Lendersa® ensures your comprehensive financing needs are met by using AI technology to promptly match your loan request with numerous construction lenders. You can explore the most favorable construction rates available for funding projects like new builds, fix-and-flips, or substantial rehabs on both residential and commercial properties in NY.

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Reducing unnecessary inquiries is crucial to maintaining your credit score. Get preapproved for a land loan without having to submit your social security number or any sensitive personal information.

By providing additional properties as collateral, you may qualify for 100% LTV (Loan to Value) financing through a blanket loan.

Utilize the Lendersa® land loan calculator to find institutions offering vacant land loans in the zip codes 13603.



Le-Ray Construction Loan Lenders

  • 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.

  • 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

  • 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

  • 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.

  • 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.

  • Community Bank, N.A.
  • 5821 Bridge Street, East Syracuse, NY, 13057
  • Lends in New York
  • Community Bank System Inc. (NYSE:CBU) is a full-service financial institution with more than 215 customer locations across New York, Pennsylvania, Vermont & Massachusetts, where we’re known as Community Bank, N.A. With over $13 billion in assets, we have the resources to finance a wide range of personal, small business & commercial business needs.