2 Construction Loan Lenders in Union, New York in 2026

Lendersa® presents a detailed list of construction loan lenders in Union, NY. This list includes local hard money lenders, as well as regional banks and national lenders, all utilizing private funds to help finance major rehabs or ground-up construction projects.

For a 2,000 square foot home in Union, NY, construction costs can range from $287,671 for a basic build to $518,530 for a more upscale design. The interest rates and terms of these construction loans vary depending on factors like the borrower's financial situation, the LTV (Loan-to-Value ratio), ARV (After Repair Value), and which lender type is selected.

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The exceptional construction loan calculator

To ensure that all your construction financing needs are comprehensively met, Lendersa® utilizes AI to instantly match your loan request with a wide network of construction lenders. Through this service, you can uncover superior construction rates for funding ground-up projects, fix-and-flip endeavors, or major renovations on both residential and commercial properties in NY.

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Minimize unnecessary inquiries to protect your credit score. You can get preapproved for land loans without needing to disclose your social security number or sensitive financial data.

By pledging additional properties as collateral, you may become eligible for 100% LTV (Loan-to-Value) financing through a blanket loan.

Use the Lendersa® land loan calculator to find lenders for vacant land loans available in the 13760 zip codes.



Union Construction Loan Lenders

  • Visions Federal Credit Union
  • 24 McKinley Avenue, Endicott, NY, 13760
  • Lends in New York
  • At Visions, we condemn racism, violence, discrimination, and hatred toward any person or persons. It is in our foundation as a credit union to accept and serve all members equally, regardless of their race, social status, or financial position This spirit of inclusion extends to our homes and our employees, too.

  • Tioga State Bank, National Association
  • 1430 Upper Front St, Binghamton, NY, 13901
  • Lends in New York
  • Tioga State Bank has been providing loans to business customers and forming long lasting relationships for over 150 years. We believe it’s in your best interest to have a working relationship with a local banker; one that takes time to learn your business. We know what it takes for a business to get started and to succeed. As local bankers, we know

  • CFCU Community Credit Union
  • 1030-1050 Craft Road, Ithaca, NY, 14850
  • Lends in New York
  • Our mission is to provide the highest level of personal financial services in a friendly, professional manner; to encourage thrift, savings and the wise use of credit; to increase the knowledge & ability of our members to manage & control their financial well-being; to provide sound financial management.

  • Elmira Savings Bank
  • 333 E Water St, Elmira, NY, 14901
  • Lends in New York
  • 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.

  • Corning Credit Union
  • One Credit Union Plaza, Corning, NY, 14830
  • Lends in New York
  • 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
  • Lends in New York
  • 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).

  • Cayuga Lake National Bank
  • 165 Cayuga Street, Union Springs, NY, 13160
  • Lends in New York
  • Cayuga Lake National Bank is a full-service community bank headquartered in Union Springs, NY with a second office in Aurora, NY. We provide consumer and commercial banking and lending products to the Finger Lakes Region of Central New York and beyond. Cayuga Lake National Bank offers a full suite of consumer banking products.

  • The Delaware National Bank of Delhi
  • 124 Main Street, Delhi, NY, 13753
  • Lends in New York
  • The Delaware National Bank of Delhi is the oldest bank in Delaware County, and the oldest corporation in the community of Delhi. We are also the 25th oldest bank in the country, and the 3rd oldest in New York State.

    In 1839 we opened our doors for business on the second floor of a storefront on Delhi's Main Street. In 1841

  • Cooperative Federal Mortgages
  • 723 Westcott St, Syracuse, NY, 13210
  • Lends in New York
  • Cooperative Federal is a unique combination of a traditional credit union and a non-profit community development organization. Becoming a member of Cooperative Federal is making a choice to build our local community and to advance social justice. and Cooperative Federal is deeply involved in efforts to revitalize our community.

  • MHD Empire Service Corp.
  • 300 South State St, Suite 1000, Syracuse, NY, 13202
  • Lends in New York
  • At MHD Empire Service Corp. We are a sister company of Haylor, Freyer & Coon, one of the largest independent insurance agencies in the Northeast.

    Founded in 1983, MHD Empire Service Corp. was established to assist retailers, community owners and individuals in securing quality financing and insurance for