Construction Loan Lenders in Richmond, Texas (2026)

Lendersa® provides a comprehensive list of construction loan lenders in Richmond, TX, featuring regional banks, national lenders, and local hard money lenders that use private funding for ground-up construction or major renovations.

In Richmond, TX, lenders estimate the construction cost for a 2,000-square-foot home, ranging from $208,684 for basic structures to $381,295 for more elaborate designs. Interest rates and terms vary based on borrower financials, LTV, ARV, and the lender type chosen.

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Using AI technology, Lendersa® instantly matches your loan request with hundreds of construction lenders, ensuring all your financing needs are met. Discover the best construction rates for funding new builds, fix-and-flip projects, or major rehabs in TX.

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To protect your credit score, avoid unnecessary inquiries. Secure preapproval for your land loan without providing your social security number or any sensitive information.

You might qualify for 100% LTV financing by pledging additional property as collateral, known as a blanket loan.

Use the Lendersa® land loan calculator to locate vacant land loan providers in 77406.



Richmond Construction Loan Lenders

  • Houston Federal Credit Union
  • 16320 Kensington Dr, Sugar Land, TX, 77479
  • Lends in Texas
  • The Mission of Houston Federal Credit Union is to “Be our members’ advocate by helping them achieve their dreams with personalized financial solutions”. Our Mission Statement was adopted in February 2007. Originally chartered as Fluor Mid-Continent Employees Federal Credit Union, HFCU now has the strength of over $700 million in assets.

  • Pioneer Finance
  • 13310 University Boulevard, Sugar Land, TX, 77479
  • Lends in Texas
  • Pioneer Finance is a direct private lender that helps investors get financing through loans. Over 50 years of collective experience has awarded Pioneer with the right combination of industry knowledge & financial strength to help investors get the funding they need. We offer a variety of loan products and flexible loan terms.

  • Pioneer Mutual Federal Credit Union
  • 1521 Lake Pointe Parkway, Sugar Land, TX, 77478
  • Lends in Texas
  • The Pioneer Mutual Credit Union ("Pioneer"​) was founded by Momin community of Sidhpur, Gujarat, India in 1981 and it's a member-owned financial institution headquartered in Sugar Land, Texas. Pioneer Mutual Federal Credit Union was granted Federal charter in 2009 and has branch office in Austin, Texas.

  • Vortex Financial Group
  • 15007 Havenridge, Houston, TX, 77083
  • Lends in Texas
  • Vortex Financial Group

    Clear Financial Planning

    Vortex Financial Group helps families and business owners build wealth through personalized financial planning, retirement and investment strategies, and risk management. Connect with Nadia Ankleshwaria’s team—visit vortexfg.com or email arsh@vortexfg.com.

  • HomeWay Mortgage
  • 23218 Red River Dr., Katy, TX, 77494
  • Lends in Texas
  • HomeWay Mortgage is a full-service mortgage company dedicated to providing clients with detailed personal service at competitive rates. HomeWay Mortgage stands apart because it is a direct lender providing clients with great service, low rates, experienced loan officers and unique loan products in addition to the standard purchase.

  • Harvest Residential Mortgage Services
  • 4800 Sugar Grove, Suite 620-C, Stafford, TX, 77477
  • Lends in Texas
  • Harvest Residential Mortgage Services is a Professional & Reliable company. We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, and individual home-buyers throughout the State of Texas and also We offer great customer service.

  • Members Choice Credit Union Houston
  • 18211 Katy Freeway, Houston, TX, 77094
  • Lends in Texas
  • Members Choice Credit Union is a full-service financial institution based in Houston, Texas. We have been in business for over 80 years. Our rich history is directly related to our financial stability and our dedication to serving the needs of our members, first and foremost. Since our founding in 1941

  • Smart Financial Credit Union
  • 6051 North Course Dr, Houston, TX, 77072
  • Lends in Texas
  • Smart Financial is a full-service, financial institution that focuses on people, not profits. Our staff is united in its passion to provide superior service. Our purpose is to give back to the community while helping valuable member-owners like you with your financial needs.

    Explore our Annual Reports to learn how we are working to do just tha

  • TOP CHOICE LENDING, LLC
  • 11224 Southwest Fwy, Suite 100, Houston, TX, 77031
  • Lends in Texas
  • Our goal at Top Choice Lending is to provide clients with an exceptional customer experience & access to a variety of lenders. We offer a variety of loans including: Conventional, FHA, VA, USDA, Refinances, commercial mortgages, business lines of credit, working capital, hard money (bridge) loans, and SBA loans.