5 Construction Loan Lenders in Waco, Texas in 2026

Lendersa® provides a list of construction loan lenders in Waco, TX, featuring regional banks, national lending institutions, and local hard money lenders who utilize private funds for new construction or major rehabs.

In Waco, TX, lenders estimate the cost for a 2,000 square foot home from $211,038 for basic constructions to $383,649 for more upscale projects. Interest rates and terms of construction loans vary based on the borrower's financials, LTV, ARV, and the lender type selected.

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If you agree to pledge additional property as collateral, you might qualify for 100% LTV (Loan to Value) financing with a blanket loan arrangement.

Utilize the Lendersa® land loan calculator to discover vacant land loan providers in zip codes 76798.



Waco Construction Loan Lenders

  • Community Bank & Trust, Waco, Texas
  • 1800 Washington Avenue, Waco, TX, 76701
  • Lends in Texas
  • At Community Bank & Trust, our mission statement is "Serving Beyond Expectations."​ By making this statement, we are making a pledge that our core purpose is to provide quality financial services with excellence and professionalism to Central Texans. Community Bank & Trust was founded in 1952 as a customer-oriented, convenient bank.

  • Neighborhood Housing Services of Waco, Inc
  • 922 Franklin, Waco, TX, 76701
  • Lends in Texas
  • NeighborWorks® Waco is a non-profit organization whose mission is to build stronger neighborhoods through homeownership, quality rental housing and community-building initiatives. Our team will continue work both on site and remotely, and will be available by mail and phone. We have decided to temporarily.

  • First National Bank of Central Texas
  • 1835 N. Valley Mills Dr., Waco, TX, 76710
  • Lends in Texas
  • At The First National Bank of Central Texas, we see a true value in personal service. When you call our bank a knowledgeable banker will receive your call, no automated voice response system. We continually strive to embrace technology in order to improve convenience and efficiency, but we are conscious to not allow these technological tools.

  • 1st University Credit Union
  • 24 La Salle Ave, Unit C, Waco, TX, 76706
  • Lends in Texas
  • 1st University Credit Union has been helping people achieve their financial goals since 1956 when the president of Baylor University wrote a letter to the Texas Credit Union Department requesting a charter for a credit union to serve the employees, students, and alumni of Baylor and their families.

  • First National Bank of McGregor
  • 401 S Main St, Mc Gregor, TX, 76657
  • Lends in Texas
  • The First National Bank of McGregor in 1889, TFNB is the oldest bank in McLennan County and the seventh oldest national bank in Texas still operating under its original charter. In 1957, we moved from our original location at 217 S. Main in McGregor, Texas to a more modern building across

  • First National Bank of Bosque County
  • 418 Avenue C, Valley Mills, TX, 76689
  • Lends in Texas
  • First National Bank of Bosque County was organized in 1896, and received its National Charter in 1908.The main office of the Bank has been in the same location in Valley Mills since that time. We have a desire for the people, businesses, schools, and organizations in our communities to prosper.

  • Scott & White Employees Credit Union
  • 2401 South 31st Street, Temple, TX, 76508
  • Lends in Texas
  • Scott & White Employees Credit Union (SWECU) was chartered in 1962 by the employees of Scott & White. The Credit Union is state chartered and regulated by the Texas Credit Union Department. Deposits are federally insured up to $250, 000.00 per account by NCUSIF, which is regulated by the National Credit Union Administration

  • Texell Credit Union
  • PO Box 983, Temple, TX, 76503
  • Lends in Texas
  • Texell Credit Union is a not-for-profit financial cooperative founded in 1948. With over 130+ employees, Texell serves over 40, 500 members through digital service platforms and nine Central Texas branches. Texell offers a wide range of financial services to its members, and performs competitor research weekly to ensure it

  • Incommons Bank, National Association
  • 301 E. Commerce St., Mexia, TX, 76667
  • Lends in Texas
  • Incommons Bank wholeheartedly believes that a community bank is just that — a bank built by the community it serves. For 130 years of handshake banking, Incommons Bank has striven to be "The Best Community Bank in Central Texas, " and has worked closely with its communities and customers by listening to their needs and providing the support to help

  • Fort Hood National Bank
  • 109 T J Mills Blvd, Fort Hood, TX, 76544
  • Lends in Texas
  • Fort Hood National Bank (FHNB) has stood apart as a leader in military banking. FHNB continues to be recognized by many around the world as the premier provider of banking services to the military community. We understand the banking needs of our service men and women and their families, and are proud to be your military bank.