Lenders using AI on vacant land in Bakersfield, CA 2025!

Browse and compare among 729 land loan lenders available in Bakersfield, CA.

In CA, the average price for an acre of land is $49,183. The loan-to-value (LTV) ratio for undeveloped land varies from 17.65% to 64.92%, and for loans on already developed land in CAName, the LTV is estimated to be between 37.11% and 76.24%.

The real value and LTV of any land depend on factors such as its location, size, topography, zoning, and any entitlements associated with it.

To find out your land loan options and rates, contact the top land loan lender in Bakersfield, CA.

Examine offers from 100 different lenders

The Land Loan Calculator

Lendersa®'s AI technology will quickly match your loan request with hundreds of direct hard money lenders to meet all your lending needs. Discover the best land loan rates today for financing any vacant land or land with construction in CA.

Land Loans and Their Value

Avoid unnecessary inquiries to help maintain your credit score. Secure preapproval for your land loan without providing your social security number or any sensitive financial information.

Construction loans and blanket loans are key aspects of vacant land lending. You may qualify for 100% LTV (Loan-to-Value) financing by pledging additional property as security (blanket loan).

Seeking Hard Money Lending Nearby?

Your chances of obtaining a loan increase significantly when you work with a private investor through a local hard money broker. In Bakersfield, CA, local lenders familiar with the area can often provide the best loan arrangements. Proximity between the investor and the property enhances approval chances and expedites the funding process.

Use the Lendersa® land loan calculator to find vacant land loan lenders in zip codes 93306, 93307, 93304, 93305, 93301, 93309, 93314, 93311, 93313, 93312, 93302, 93383, 93384, 93385, 93387, 93389, 93390.



  • Mortgage Tree Capital
  • 9281 Office Park Circle Suite 158, Elk Grove, CA, 95758
  • Mortgage Tree Capital is a specialty finance company that originates, purchases, sells, and services mortgage loans secured primarily by first mortgages on single-family residences. Headquartered in Elk Grove (Sacramento County), California, Mortgage Tree Capital and Mortgage Tree Reality is a wholly owned subsidiary of Mortgage Tree Capital Inc.
  • Newfi Wholesale
  • 2200 Powell St. Suite 340, Emeryville, CA, 94608
  • Newfi Wholesale is a wholesale mortgage lender founded by industry veterans and managed by a team of mortgage professionals with deep experience in the wholesale market. We are committed to providing our broker partners with a broad range of loan products, efficient technology, and an attractive price point to help them grow their business.
  • Guaranteed Rate
  • 1400 Shattuck Ave Suite 1, Berkeley, CA, 94709
  • Guaranteed Rate trusted local lender familiar with local market dynamics, Dianne Crosby is a Top Producing mortgage lender and Certified Mortgage Planning Specialist at Guaranteed Rate, closing over $100 million annually for her clients in the East Bay. With access to the low interest rates of a large mortgage bank.
  • Saxe Mortgage Company
  • 950 John Daly Blvd. Suite 200, Daly City, CA, 94015
  • Saxe Mortgage Company is San Francisco Bay Area’s premier private money mortgage company.Saxe has been assisting mortgage borrowers with all their short-term real estate financing needs. Whether have been turned down by a conventional bank, need money fast without jumping through laborious paper hoops or just want a simple professional experience.
  • Townsend Commercial Lending
  • 232 Townsend Street, San Francisco, CA, 94107
  • Your Townsend Commercial Lending Team has a combined experience of over 100 years in the industry. As part of the APMC Family we take great pride in closing over $20 billion in loan production yearly and being ranked as one of the Top 15 Mortgage Companies in America (by Mortgage Executive Magazine).
  • Carlyle Financial
  • 1 Market Plaza, Spear Tower #3600, San Francisco, CA, 94105
  • Carlyle Financial is a full-service mortgage brokerage, based in San Francisco and Los Angeles. We provide a highly personalized loan process for clients who need flexibility, versatility, and a wide variety of lending products. We are dedicated to providing extraordinary service for extraordinary clients.
  • Kiavi
  • 575 Market Street, Suite 1600, San Francisco, CA, 94105
  • Since 2013, Kiavi has been the go-to brand for real estate investors seeking reliable, fast financing solutions. Dedicated financing experts always on your side to help you scale Embark on a journey through Kiavi’s transformative decade in real estate with our special report, 'A Decade of Deals and Dreams.'
  • F.E. Forbes Company Inc.
  • 1795 Solano Ave., Berkeley, CA, 94707
  • F.E. Forbes Company is a real estate investment management and private money mortgage lender located in Berkeley, California. Founded in 1921 by Frank E. Forbes, the Third generation Company specializes in the origination of both residential and commercial loans secured by Northern California real estate.