Land loan lenders for Merced, CA AI 2026!

Choose and compare from among 747 land loan providers operating in Merced, CA.

In CA, the typical price for an acre of land is $47,322. The Loan-to-Value (LTV) ratio for undeveloped land ranges from 17.55% to 63.78%, whereas for already developed land loans in CAName, it varies between 37.03% and 76.16%.

The real value and LTV of land depend on factors such as location, dimensions, topography, zoning, and any entitlements done on the property.

Discover your choices for land loans and current rates by getting in touch with top land loan providers in Merced, CA.

Compare loan offers from 100 lenders here

The magical land loan calculator

Lendersa® AI technology instantly matches your loan request with hundreds of direct hard money lenders to meet all your hard money lending needs. Find competitive land loan rates today for financing any type of vacant land or land plus construction in CA.

Land loans and land value

Minimizing unnecessary credit checks will help protect your credit score. Get pre-approved for your land loan without needing to disclose your social security number or other sensitive financial information.

Construction loans and blanket loans are integral to vacant land financing; qualifying for 100% LTV financing is possible with an additional property pledged as collateral (blanket loan).

Hard money lending close by?

Enhance your chances of obtaining a loan by connecting with a private investor through a local hard money broker. For land loans in Merced, CA, local lenders who know the area well are usually the best option. Proximity of the hard money investor to the property increases approval likelihood and accelerates the funding process.

Utilize the Lendersa® land loan calculator to locate vacant land loan providers within zip codes 95348, 95340, 95341, 95343.



  • America's Loan Advisors Inc.
  • 701 Palomar Airport Road, Suite 300, Carlsbad, CA, 92011
  • Lends in California
  • We directly fund between $9-$10 billion a year in home loans. This means we process, underwrite & wire the funds. If we do not have a loan option for our client “in-house, ” we will process the loan and submit it to an investor for underwriting and funding. Having both these funding sources allow us to provide the best loan options for our clients.

  • Enact Partners
  • 7668 El Camino Real, Carlsbad, CA, 92009
  • Lends in California
  • Enact Partners is a hard money lender providing business purpose loans that are collateralized by real estate. Located in Southern California, we pride ourselves on customer service, fast and efficient loan validation, allowing you to be an effective real estate entrepreneur. We build customized investment portfolios secured by real estate.

  • Enact Partners
  • 7668 El Camino Real, Ste 104-128, Carlsbad, CA, 92009
  • Lends in California
  • We are a team of Real Estate professionals with over 50 years of combined experience. As Investors ourselves, we have developed, rehabilitated, lent on, invested in approximately $1 billion dollars in real estate; we appreciate the importance of securing reliable and predictable funding and investment solutions.

  • VanDyk Mortgage
  • 310 Via Vera Cruz Suite ste 210 and 211, San Marcos, CA, 92078
  • Lends in California
  • VanDyk Mortgage was organized in 1987 by Founder and CEO Thomas L. VanDyk in Grand Rapids, Michigan.As a national Mortgage Banker, we have been committed to providing residential 1 to 4 family home loans to consumers for over 30 years.We currently have over 500 employees with 93 branch office locations in 38 states across the U.S.

  • DFI Funding
  • 78-365 Highway 111 #529, La Quinta, CA, 92253
  • Lends in California
  • DFI Capital Management, Inc. is a private money lender providing financing solutions in California. DFI Capital Management’s leaders have over 50 years of experience in arranging and funding residential, construction and commercial mortgage loans. DFI is a private loan servicer and asset manager. Please feel free to contact us with any questions.

  • Allstar Capital Group, Inc
  • 573 2nd Street, Encinitas, CA, 92024
  • Lends in California
  • Allstar Capital Group, Inc, a private mortgage lender supported by the financial strength of a pool of over 500 Investors. Our investor base is comprised of high-net-worth individuals, institutions, and pension funds and makes bridge loans typically ranging from $100,000 to $3,000,000 on commercial and residential properties.

  • FundLoans
  • 662 Encinitas Blvd., Ste. 270, Encinitas, CA, 92024
  • Lends in California
  • "FundLoans is an exception-based wholesale mortgage lender that specializes in Jumbo, Super Jumbo, and Non-QM solutions. A redefined Non-QM experience with “out-of-the-box” guidelines, that take a more holistic approach at underwriting. Contact us today about becoming an approved broker!

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  • Charger Funding
  • 515 Encinitas Blvd Suite 203, Encinitas, CA, 92024
  • Lends in California
  • Charger Funding was founded in 2008. Those of you who have worked with us know that we are experienced and hard working advocates for your files. Charger Funding has been doing private money lending in California for over a decade and we know how to get the job done.We’re the ones to call when you have a deal that absolutely must close.

  • Triumph Capital Partners
  • 155 S. Hiway 101 Suite 7, Solana Beach, CA, 92075
  • Lends in California
  • The firm’s principals have a combined 40+ years experience in property development and real estate finance and have originated over $1 billion in high-yielding private mortgages throughout their careers. Triumph's mission is to provide debt capital to meet the complex needs of today’s real estate investors nationwide.

  • Seattle Funding Group
  • 512 Via de la Valle Suite 200, Solana Beach, CA, 92075
  • Lends in California
  • The SFG family of funds was built on disciplined lending models to provide for consistent income with a focus on capital preservation. For three decades, the principals of SFG, John Odegard and Greg Elderkin, have faithfully managed their discretionary authority and proven the quality of SFG’s capital stewardship through numerous market cycles.