816 Construction Loan Lenders with AI in Gainesville, Texas 2026

The Lendersa® list of construction loan lenders in Gainesville, TX, includes various financial entities, such as regional banks, national lenders, and local hard money lenders. These lenders utilize private funds for projects involving ground-up construction or major renovations, offering diverse options to meet the unique needs of your next big project.

In Gainesville, TX, when estimating the construction costs for a 2,000-square-foot home, lenders calculate expenditures starting at $209,267 for basic construction methods, reaching up to $381,878 for more elaborate and luxurious designs. Interest rates and loan terms vary according to the borrower's financial circumstances, the loan-to-value ratio (LTV), the after-repair value (ARV), and the lender type selected among the available options.

Compare loan offers from 100 lenders to find the ultimate fit for your construction needs.

Discover the Benefits of Our Magic Construction Loan Calculator

Lendersa® employs sophisticated AI technology, designed to ensure all your construction financing needs are satisfied by efficiently matching your unique loan request with a wide variety of construction lenders. This service enables the discovery of optimal construction rates required for project types ranging from new builds and fix-and-flip projects to major rehabs on residential and commercial ventures within TX.

Find Construction Loan Lenders in Your Area

To safeguard your credit score, it is advisable to reduce unnecessary inquiries. Preapproval for your land loan can be achieved without providing your social security number or any sensitive financial details.

You might qualify for 100% LTV (Loan to Value) financing by pledging additional property as collateral, an approach known as a blanket loan, enhancing your financing flexibility and leverage.

Make use of the Lendersa® land loan calculator to find vacant land loan lenders within the zip codes specified in 76240, 76241, helping align your financing options with your specific geographic and project-specific needs.



  • Commercial Bank of Texas, N.A.
  • 7463 US-69, Alba, TX, 75410
  • Lends in Texas
  • Commercial Bank of Texas is solidly positioned to enter its second century of providing successful banking practices predicated on sound and prudent operating standards. Currently, CBTx has over 150 employees in eight communities and the bank's Board of Directors and Officers are personally involved in the communities they serve.

  • City National Bank TX
  • 1465 West Second Avenue, Corsicana, TX, 75110
  • Lends in Texas
  • City National Bank is a privately owned institution that has embodied the spirit of community banking since the inception of bank in 1983.A group of local business leaders recognized the need for community bank that could better serve the area.The initial stock offering was opened up to the community with a several individuals able to participate.

  • FIRST STATE BANK BEN WHEELER
  • 14269 State Highway 64, Ben Wheeler, TX, 75754
  • Lends in Texas
  • First State Bank of Ben Wheeler is a true Texas community bank. Locally owned and operated since 1911, our mission is to always have superior customer service. You are not a number to us. You are a person, a family, a business partner, and a part of the future of Van Zandt County. Locally owned means that decisions are made here.

  • The Waggoner National Bank of Vernon
  • 1818 Texas Street, Vernon, TX, 76384
  • Lends in Texas
  • At the time the Waggoner National Bank received its charter as a national bank this country was at war with Spain. The Famous Oklahoma land rush was on the calendar for that year. With a population estimated at 2, 800 Vernon had two cotton gins with the capacity to process 80 bales of cotton a day.

  • America United Mortgage
  • 3030 Northwest Expressway, Suite 200, Oklahoma City, OK, 73112
  • Lends in Texas
  • The experts at America United Mortgage specialize in tailoring a specific mortgage for your family's financial goals offering expertise in every area of mortgage lending – from purchase to refinance to construction lending. Our expertise, knowledge and outstanding customer service distinguishes us among other lenders.

  • The American National Bank of Mount Pleasant
  • 301 S Madison Ave Mount, Mount Pleasant, TX, 75455
  • Lends in Texas
  • Since 1979, American National Bank has been serving the Northeast Texas area with the best customer service and financial services available. American National is locally owned and operated, and we strive to provide our customers with the best banking experience possible.

    We invite you to visit us

  • First State Bank of Brownsboro
  • 14225 State Hwy 31 E, Brownsboro, TX, 75756
  • Lends in Texas
  • The First State Bank of Brownsboro was established in 1917 and has been locally owned since that time. We have become known to the community as The "Friendly Bank". Our bank offers an array of personal and business products with loans and deposit accounts that can fit everyone's needs.

  • Cypress Bank
  • 120 S. Greer, Pittsburg, TX, 75686
  • Lends in Texas
  • Cypress Bank officially began operation October 3, 1977. Beginning with capital of $500, 000 and three full time employees. We now post assets of $200, 000, 000 and capital of $21, 500, 000 and employ 75 employees at our five locations. Our growth is reflective of the growth and prosperity of the Northeast Texas region.