2026 Construction Loan Lenders for Sparta, Tennessee

The Lendersa® directory of construction loan lenders in Sparta, TN features a range of options, including regional banks, national lenders, and local hard money lenders. These lenders use private funds for both ground-up construction and major rehab projects.

In Sparta, TN, the cost to build a 2,000 square foot home varies from $208,397 for basic builds to $379,698 for more elaborate constructions. Interest rates and loan terms depend on elements such as borrower financials, Loan-to-Value (LTV), After Repair Value (ARV), and the type of lender selected.

Review loan offers from 100 lenders

Utilize our construction loan calculator

To meet all your construction financing needs, Lendersa® employs AI technology, matching your loan requests with a plethora of construction lenders. Discover optimal construction rates for ground-up builds, fix N flips, or major renovations on residential and commercial properties in TN.

Looking for nearby construction loan lenders?

Avoid unnecessary inquiries to protect your credit score. Obtain preapproval for a land loan without providing your social security number or sensitive info.

With additional property pledged as collateral, you might qualify for 100% LTV financing through a blanket loan.

Use the Lendersa® land loan calculator to find vacant land loan providers in zip codes 38583.



Sparta Construction Loan Lenders

  • Highland Federal Savings and Loan Association
  • 106 South Main St, Suite 103, Crossville, TN, 38555
  • Lends in Tennessee
  • The mission of Highland Federal Savings and Loan Association is to provide quality products and professional, personal service to our customers, who are the focus of everything we do. Locally owned and operated since 1961, member of FDIC and an Equal Housing Lender, we continue to promote security and trust as absolute priorities.

  • Upper Cumberland Federal Credit Union
  • 627 Livingston Road, Crossville, TN, 38555
  • Lends in Tennessee
  • Upper Cumberland Federal Credit Union was chartered with the purpose of serving the employees of the Carter Ink Company in Massachusetts. The original name of the credit union was Carter Inx Folx Federal Credit Union. As the Carter Ink Company expanded, an ink manufacturing plant was built in Crossville, Tennessee.

  • First Cumberland Mortgage
  • 186 Highway 70 E, Crossville, TN, 38555
  • Lends in Tennessee
  • First Cumberland Mortgage located in Crossville, Tennessee. We are one of Tennessee's most Comprehensive, Full Service Mortgage Companies. We specialize in 100% Loans, FHA & VA, Conventional Raw Land Loans, Self Employed Loans and Refinancing. Call First Cumberland Mortgage for all your Mortgage or Loan needs.

  • Union Bank & Trust Company
  • 201 East Main Street, Livingston, TN, 38570
  • Lends in Tennessee
  • Union Bank & Trust Company was chartered on October 25, 1932, formed by the uniting of Old Farmer’s Bank and Citizen’s Bank with capitol stock of $50, 000.00.

    The bank was moved to our present location at 201 East Main Street in November, 1965 with a grand opening on November 24, 1965.

  • Simply Bank
  • 420 Third Avenue, Dayton, TN, 37321
  • Lends in Tennessee
  • SimplyBank is a privately-owned community bank where local bankers make local decisions. Built on more than 130 years of service to East Tennessee and Northwest Georgia, we remain motivated to deliver simply exceptional experiences to every community we serve through seamless financial solutions.

  • Coffee County Bank
  • 2070 Hillsboro Blvd, Manchester, TN, 37355
  • Lends in Tennessee
  • Coffee County Bank has been committed to serving the personal & business financial needs within our community. Today, we continue to present exceptional customer service & products designed to suit every customer's needs. By knowing our customers & providing innovative banking tools, we find solutions to achieve their goals & fulfill their dreams.

  • Peoples Bank & Trust Company
  • 1203 Hillsboro Blvd, Manchester, TN, 37355
  • Lends in Tennessee
  • Peoples Bank and Trust Company is proud of its heritage of providing a complete line of traditional banking services. Operating hand-in-hand with the commitment to convenience is the Bank's emphasis on efficiency and personal attention and also The first organizational meeting of Peoples Bank and Trust Company was held October 5, 1906.

  • first bank of the lake
  • 925 S Church St, Murfreesboro, TN, 37130
  • Lends in Tennessee
  • Our bank is for business owners who cannot get SBA loan from their own bank, and deserve a good rate. We fund niche franchises or concepts low units, large business acquisitions up to 7m and CRE up to $30m in all 50 states. For CRe we fund projections based, ground up construction, Gas Stations, Carwashes, Assisted Living, Self Storage, etc. In 202

  • A Mortgage Boutique is a division of First Community
  • 1111 N Maple St., Murfreesboro, TN, 37130
  • Lends in Tennessee
  • Common home loan types include VA, Conventional, FHA, USDA, Fixed Rate, Adjustable Rate, Renovation, Construction, and Mobile/Manufactured Home Loans. When you are looking for a home loan, there are many types of loans for you to choose from. As you can see, you need quality home loan information and to understand the different types.