Land loan lenders for Monticello, MN AI 2026!

Choose and compare among 274 land loan lenders providing services in Monticello, MN.

The average cost of an acre of land in MN is $39,363. The LTV for undeveloped land is from 17.12% to 58.94%, while the estimated LTV for loans on already developed land in MNName ranges between 36.69% and 75.79%.

The inherent value and loan LTV for any land depend on factors such as its location, size, topography, zoning, and any entitlements it has.

Explore your land loan options and current rates by contacting the top land loan lender in Monticello, MN.

Explore loan offers from 100 lenders

The incredible land loan calculator

Lendersa® AI technology ensures that all your hard money lending needs are addressed by instantly matching your loan request with hundreds of direct hard money lenders. Discover the best land loan rates today for financing any vacant land or land plus construction in MN.

Land loans and their valuation

To protect your credit score, avoid unnecessary inquiries. Get pre-approved for your land loan without needing to share your social security number or sensitive financial data.

Construction loans and blanket loans are crucial in vacant land lending; you may qualify for up to 100% LTV (Loan to Value) financing by using additional property as security (blanket loan).

Looking for hard money lending nearby?

Working with a private investor through a local hard money broker dramatically improves your likelihood of obtaining a loan. Land loans in Monticello, MN are best managed by local lenders who know the neighborhood well. A shorter distance between the hard money investor and the property increases the odds of loan approval and accelerates the funding process.

Utilize the Lendersa® land loan calculator to identify vacant land loan lenders in zip codes 55362.



Monticello Land Loan Lenders

  • Sherburne State Bank
  • 12500 Sherburne Ave SE, Becker, MN, 55308
  • Lends in Minnesota
  • We’re proud to be an independently owned community bank and of the vital role we have in the area we serve. From our owners to tellers, we all live, work, and invest in the local homes and businesses in these same communities. At Sherburne State Bank we pride ourselves on being well-rounded bankers who understand sales, underwriting.

  • Bank of Maple Plain
  • 4980 Highway 12, Maple Plain, MN, 55359
  • Lends in Minnesota
  • Bank of Maple Plain, one of Minnesota's longest standing institutions, is just that kind of bank. Since 1905, they've been providing customers like you with excellent banking service. Open a checking or savings account here for safe and secure banking. We offer a wide array of products and services for consumers as well as business customers.

  • American Heritage National Bank
  • 2915 2nd Street South, Saint Cloud, MN, 56302
  • Lends in Minnesota
  • American Heritage Bank – The oldest family-owned and operated bank in St. Cloud since 1881, including bank offices in Clearwater, Avon, Long Prairie and Browerville. Also known as the Log Bank, both banking locations in St. Cloud are constructed from full-sized cut pine logs occupying 30, 000 square feet each.

  • Minnco Credit Union
  • 236 2nd Avenue SW, Cambridge, MN, 55008
  • Lends in Minnesota
  • Minnco Credit Union has provided the people of East Central Minnesota with quality financial products and services at the lowest possible cost. Having grown to more than 28, 000 members, Minnco Credit Union is preserving its rich tradition by continuing to provide our members with new, convenient products and services.

  • Edge Home Finance Corporation
  • 5868 Baker Road, Minnetonka, MN, 55345
  • Lends in Minnesota
  • Edge Home Finance Corporation offers personalized mortgage solutions tailored to unique financial needs. I personally have been a loan officer for 23 years and can work with all types of clients . As a trailblazer in the mortgage industry, our innovative approach ensures clients achieve their dream of homeownership seamlessly and efficiently.

  • Granite Bank
  • 202 2nd Ave S, Cold Spring, MN, 56320
  • Lends in Minnesota
  • Creative, relationship-driven banking with responsive local decisions, Granite Community Bank is a full-service commercial bank serving individuals and businesses for loans, deposits, insurance and investments throughout Minnesota. Granite Bank to help you make the decisions that are right for you and your financial goals.

  • Minnesota Catholic Credit Union
  • 400 E Little Canada Road E, Little Canada, MN, 55117
  • Lends in Minnesota
  • MN Catholic Credit Union has been serving members of our Catholic community since 1946 with excellent personalized service & making financial products both affordable & accessible. This credit union is the combination of 2 Catholic credit unions with rich histories. In 2011, St John’s of Little Canada Credit Union acquired MN Catholic Credit Union.

  • KPT Mortgage Advisors LLC
  • 2038 Ford Parkway, Suite 510, Saint Paul, MN, 55116
  • Lends in Minnesota
  • Join KPT Mortgage Advisors LLC in revolutionizing the mortgage industry! We're not just brokers; we're trailblazers dedicated to transforming your financial journey. Our mission is clear: empower everyone, from first-time buyers to seasoned investors. Experience unparalleled guidance and advocacy as we prioritize your financial well-being. Contact

  • Drake Bank
  • 60 East Plato Blvd, Suite 100, Saint Paul, MN, 55107
  • Lends in Minnesota
  • Drake Bank is a purpose-driven independent bank in St. Paul. We were founded in 2002 by a group of successful local entrepreneurs committed to helping others succeed for the shared prosperity of their community. Our 70+ founders invested their own money to fund the first business loans, and many are still shareholders today.

  • Affinity Plus Federal Credit Union
  • 175 West Lafayette Frontage Rd, Saint Paul, MN, 55107
  • Lends in Minnesota
  • Affinity Plus is a not-for-profit member-owned cooperative. We improve the lives of our members through meaningful banking, exceptional experiences, and trusted relationships. We are honest and trustworthy. We are open to new ideas and feedback. We learn from our mistakes. We adapt as the world changes, and work evolves by leveraging technology,