474 Construction Loan Lenders with AI in Troy, New York 2025

Lendersa® provides a comprehensive list of construction loan lenders in Troy, NY, featuring national lenders, regional banks, and local hard money lenders. These lenders use private funds tailored for ground-up construction and significant rehabilitation projects.

In Troy, NY, the construction cost estimate for a 2,000 square foot home ranges from $287,616 for a standard build to $518,475 for more elaborate finishes. Interest rates and loan terms vary depending on the borrower's financial situation, as well as the LTV, ARV, and the lender type chosen.

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The efficient construction loan calculator

Lendersa®'s advanced AI technology connects your loan applications with a wide selection of construction lenders, fulfilling all your financing needs. Discover excellent construction rates for new builds, fix-and-flip ventures, or major renovations on both residential and commercial properties in NY.

Need construction loan lenders nearby?

Minimizing unnecessary credit inquiries helps safeguard your score. Obtain preapproval for land loans without revealing your social security number or other sensitive financial details.

By securing additional properties as collateral, you may qualify for 100% LTV (Loan-to-Value) financing, which is available as a blanket loan.

Utilize the Lendersa® land loan calculator to identify vacant land loan lenders in the 12182, 12180, 12181 zip codes.



  • Generations Bank
  • 20 East Bayard Street, Seneca Falls, NY, 13148
  • Generations Bank was established in 1870 as Seneca Falls Savings Bank—a New York chartered mutual savings bank. In 2012, the bank’s name and the insurance agency’s name were changed to Generations Bank and Generations Agency respectively. In January 2021, Generations Bank's holding company reorganized as a fully public stock holding company.
  • SeaComm
  • 30 Stearns Street, Massena, NY, 13662
  • SeaComm is a member owned financial cooperative based in Massena with branches in Potsdam, Malone, Canton, Ogdensburg, Plattsburgh, NY and South Burlington, VT. We strive to improve the quality of life in the communities we serve.SeaComm Federal Credit Union serves over 48, 000 members with assets
  • Wah Investment Group
  • 52 Sumit Ave, Phillipsburg, NJ, 08865
  • Wah Investment Group have loan products for an array of lending needs such as Construction, Mixed-use, Raw Land, Retail, Energy, Oil, Diamonds, LBO's, International loan lending, Private and Hard Money, Equity and Commercial and all your property needs let us be your last resort.
  • Elmira Savings Bank
  • 333 E Water St, Elmira, NY, 14901
  • Elmira Savings Bank is a full service community bank headquartered in Elmira, NY. The bank currently has thirteen full-service locations in Chemung, Tompkins, Cayuga & Steuben Counties, as well as one loan center located in Broome County. Elmira Savings Bank strives to provide above-average returns to our shareholders while providing a broad range.
  • Greenway Mortgage Funding Corp
  • 107 Tindall Rd, Suite 14, Middletown, NJ, 07748
  • Greenway Mortgage is committed to transparency and open communications with its clients. We pride ourselves on speed, efficiency and providing a first-rate experience. Our loan officers are experienced, trusted professionals that are accessible and remain engaged throughout the loan process.
  • Finger Lakes Federal Credit Union
  • 7 Seneca Street, Geneva, NY, 14456
  • People You Know. Service You Trust. We are dedicated to providing you with loan and deposit products designed with your needs in mind. We're open to the community! If you live, work, worship, volunteer, or attend school in Ontario, Seneca, or Yates County, or if you are a member of an immediate family or household of those within the field of mem
  • USNY Bank
  • 389 Hamilton St, Geneva, NY, 14456
  • USNY Bank is a bank with operations in one state. USNY Bank offers numerous mortgage programs including conventional, FHA and construction mortgages and also USNY Bank is a full-service bank. The Bank accepts deposits, makes loans and provides other services for the public The USNY Bank is located in Geneva with zip code of 14456
  • Progress Capital
  • 620 Tinton Avenue, Building B, 1st Floor, Eatontown, NJ, 07724
  • Progress Capital is a commercial real estate advisory firm specializing in arranging debt for commercial real estate owners and developers of mixed-use, multi-family, construction, industrial, retail, office and commercial storage properties. With 30 years of industry leading experience in the Metro New York, Philadelphia and New Jersey markets.
  • Icon Realty Capital, Direct Lender
  • 151 Rt 33 E, Suite 251, Englishtown, NJ, 07726
  • Icon Realty Capital is owned and operated by a team of seasoned real estate professionals who have a combined 52 years of hands-on real estate experience. We collectively participated in $3 Billions + in transactions, acting as capital providers, equity and syndicator. Our ability to Close Quickly, in as little as THREE days is a function.
  • Corning Credit Union
  • One Credit Union Plaza, Corning, NY, 14830
  • CCU was founded in 1936 with the goal of helping Corning Glass Works employees with their financial needs. We started with 42 members and $420 in assets. Over the years, we've opened offices in North Carolina and Pennsylvania, in addition to the 10 offices in the Corning/Elmira, New York area.
  • First Heritage Federal Credit Union
  • 202 Denison Pkwy E, Corning, NY, 14830
  • Our credit union was founded and chartered for business in 1954 by a group of 10 employees at the Ingersoll-Rand Company. Spearheaded by Harold Davis, the Ingersoll-Rand Union President, this group signed the original paperwork to have our credit union recognized by the National Credit Union Administration (NCUA).