Vacant Land lenders in Waterloo, Iowa [2026with AI]

The average cost for an acre of land in IA is $23,437. The LTV for undeveloped land generally ranges from 16.26% to 49.26%, while for loans on developed land in IAName, the LTV is estimated to fall between 36.00% and 75.07%.

The actual value and loan-to-value ratio (LTV) of any land depend on its location, size, topography, zoning, and any entitlements it might have.

Find out your land loan options and rates by reaching out to the top land loan lender in Waterloo, IA.

The remarkable land loan calculator

Lendersa® AI technology will promptly match your loan request with hundreds of direct hard money lenders to fulfill all your hard money lending needs. Discover the most competitive land loan rates today to fund any vacant land or land with construction in IA.

Land Loans and Their Effect on Value

Avoiding unnecessary inquiries can help protect your credit score. Secure preapproval for your land loan without needing to share your social security number or any sensitive financial details.

Construction loans and blanket loans are integral to vacant land lending; you might qualify for 100% LTV (Loan to Value) financing by agreeing to use additional property as collateral (blanket loan).

Is Hard Money Lending Available Nearby?

Connecting with a private investor through a local hard money broker can significantly increase your chances of securing a loan. Land loans in Waterloo, IA are best arranged by local lenders familiar with the neighborhood. A shorter distance between the hard money investor and the property enhances the approval odds and expedites the funding process.

Utilize the Lendersa® land loan calculator to find vacant land loan lenders in the zip codes 50707.

Waterloo Land Loan Lenders
(319) 352-1340 Lender's profile and map First Bank IA 316 E Bremer Ave, Waverly, IA, 50677 Lends in Iowa At First Bank, our mission and values are behind everything we do. We deliver the financial solutions YOU need! Since 1864 our priority has been to our customers. Our doors are open to serve you and to meet your individual financial needs, you are our customers, but you are also our friends and neighbors.
(319) 395-7060 Lender's profile and map Quaker Oats Credit Union 3535 Center Point Road NE, Cedar Rapids, IA, 52402 Lends in Iowa Quaker Oats Credit Union is a full-service financial institution for the employees, retirees, and family members of the Quaker Oats Company, Tree House Foods, PMX Industries, Circle Computer Resources, CCB Packaging, and Trapeze Group. Quaker Oats Credit Union is a member-owned financial institution dedicated to serving its members.
(641) 732-3763 Lender's profile and map The Home Trust & Savings Bank 628 Main Street, Osage, IA, 50461 Lends in Iowa Home Trust & Savings Bank has been in the same family for over one hundred years. It started on November 6, 1899, when the bank received its charter and opened for business in the east room of the Cleveland Building, just west of the Merchants Hotel in Osage, Iowa. The bank occupied this location until 1937
(563) 382-9661 Lender's profile and map Decorah Bank and Trust Co 202 East Water Street, Decorah, IA, 52101 Lends in Iowa Established in 1935 during the depression by a small group of concerned citizens. Today we are a 2nd and 3rd generation family owned bank that is able to think differently because we're not owned by outside investors at a far-away headquarters. By being family and employee owned we're able to be uniquely responsive to customer and community needs.
(319) 648-2221 Lender's profile and map Peoples Trust and Savings Bank 90 E. Railroad St, Riverside, IA, 52327 Lends in Iowa Peoples Trust and Savings Bank was founded in 1928. We are a locally-owned-and-operated community bank serving Riverside, Iowa and the surrounding areas. Peoples Trust and Savings Bank offers the services of a modern financial institution while maintaining the integrity of a community bank.
(563) 589-2000 Lender's profile and map Dubuque Bank and Trust Company 1398 Central Ave, Dubuque, IA, 52001 Lends in Iowa At Dubuque Bank and Trust, decision making is kept to a local level and bankers are unwaveringly committed to deeply understanding every intricacy of every customer’s financial relationship. Because when that happens, a bank, even one with over $19 billion in assets and the backing of a company with national.
(515) 457-9533 Lender's profile and map State Savings Bank 4800 Mills Civic Parkway, Suite 100, West Des Moines, IA, 50265 Lends in Iowa The State Savings Bank mission begins with you because without you, there would be no we! We come to work each day for you— to listen to your financial goals, to understand your financial problems, and to offer guidance, advice and solutions that meet your goals. Safety, timeliness, fairness, trust, quality products and services are essential.
(641) 684-5448 Lender's profile and map Community 1st Credit Union 235 Richmond Ave, Ottumwa, IA, 52501 Lends in Iowa Community 1st Credit Union is a Not-For-Profit financial cooperative that has been serving members for over 85 years. From a humble beginning, we have grown to serve over 60, 000 members. As a Not-For-Profit financial institution, we give returns to our members in higher savings rates, better services, and lower borrowing rates.
(877) 281-0689 Lender's profile and map Fidelity Bank 177 S. Jordan Creek Pkwy, West Des Moines, IA, 50266 Lends in Iowa Fidelity Bank is a locally owned, locally managed community bank in Iowa. With a commitment to providing our customers with the banking services and support they need; Fidelity Bank offers a variety of banking and lending options. Fidelity Bank is on LinkedIn to celebrate our team members.
(319) 385-4914 Lender's profile and map 5 Star Community Credit Union 100 S Cherry Street, Mount Pleasant, IA, 52641 Lends in Iowa 5 Star Community Credit Union is committed to serving our members and our community! When you walk in our door, we like to know your name. We offer competitive loan rates all the way from recreational loans to auto and even home. We serve almost 5,000 members and have 2 locations for your convenience, Mt. Pleasant and West Burlington, IA.