Complete List of Vacant Land Lenders for St.-Cloud, MN with AI help!

Choose and evaluate options among 254 land loan lenders in St.-Cloud, MN.

The average price for an acre of land in MN is $31,138. The LTV for undeveloped land generally falls between 16.68% and 53.94%, and for loans on already developed land in MNName, the LTV is estimated to range from 36.33% to 75.42%.

The true value and loan-to-value ratio of any land depend on location, dimensions, topography, zoning, and any entitlements involved.

Learn more about your land loan options and rates by reaching out to the top land loan provider in St.-Cloud, MN.

Review offers from 100 lenders

The exceptional land loan calculator

Lendersa® AI technology will efficiently match your loan request with hundreds of direct hard money lenders to meet all your hard money lending needs. Discover great land loan rates today for financing any kind of vacant land or land plus construction in MN.

Understanding land loans and values

Reducing unnecessary inquiries helps preserve your credit score. Secure preapproval for your land loan without needing to share your social security number or confidential financial information.

Within the realm of vacant land lending, construction loans and blanket loans are essential. You might qualify for 100% LTV by agreeing to use additional property as security (blanket loan).

Seeking hard money lending locally?

Working with a private investor through a local hard money broker significantly enhances your chances of securing a loan. Land loans in St.-Cloud, MN are most effectively arranged by local lenders who understand the neighborhood. Being close to the hard money investor improves loan approval odds and expedites the funding process.

Use the Lendersa® land loan calculator to find vacant land loan lenders in zip codes 56304, 56301, 56303, 56302, 56372, 56393, 56395, 56396.



  • 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,

  • Steven Brand
  • 7700 Hudson Rd, Suite 500, Woodbury, MN, 55125
  • Lends in Minnesota
  • As a “Strategic Mortgage Consultant”… Steve will explain all the options so you understand what is available. He will make sure you’re in the right product, the right MI and closing cost scenario that will meet your short & long term financial goals. ​If you’re a VETERAN… there is nobody that can match his knowledge or passion to help you get.

  • American Land & Capital LLC
  • 16233 Kenyon Avenue, Suite 120, Lakeville, MN, 55044
  • Lends in Minnesota
  • AMERICAN LAND & CAPITAL providing construction mortgage loan financing for builders, remodelers and land developers in Minnesota, Wisconsin, North Dakota, South Dakota, and Florida. Call AMERICAN LAND & CAPITAL for construction mortgages in the upper midwest.

    AMERICAN LAND & CAPITAL services include New Home Construction Mortgages, etc

  • Minnesota Valley Federal Credit Union
  • 1640 Adams Street, Mankato, MN, 56001
  • Lends in Minnesota
  • Minnesota Valley Federal Credit Union was established in 1934 as a member-owned, not for profit financial cooperative. Members enjoy convenience and service that simply is not available at most financial institutions. Membership is open to anyone living, working or attending school in Blue Earth, Nicollet, Le Sueur and Waseca Counties.

  • MinnStar Bank
  • 201 Poplar Street, Mankato, MN, 56001
  • Lends in Minnesota
  • MinnStar Bank is dedicated to providing customers with quality financial services in an efficient and caring manner. We are committed to enriching the communities we serve and offer professional bankers with unparalleled years of experience in personal banking, business banking, agribusiness banking and real estate banking.

  • First Independent Bank
  • 105 South Market Street, Marshall, MN, 56258
  • Lends in Minnesota
  • First Independent Bank provides personal care for each customer while having the expertise and resources of a large bank. With broad experience and the ability to work with more types of financing solutions than many competitors, First Independent Bank is a collaborative group of advocates for businesses and families in Minnesota.

  • Northwoods Credit Union
  • 1702 Avenue B, Cloquet, MN, 55720
  • Lends in Minnesota
  • Northwoods Credit Union has 2 offices in Cloquet, one in Floodwood and one in Moose Lake. We started out as Northwest Paper Company Employees Credit Union back in 1936 & we have grown to serve all those who live, work, worship, attend school, or volunteer in Carlton, Pine, or St Louis County! We offer big bank products with local, hometown service.

  • First Security Bank
  • 316 Byron Avenue North, Byron, MN, 55920
  • Lends in Minnesota
  • First Security Bank is a local, family owned bank that is a proud supporter in helping customers achieve financial success and freedom. We are passionate about the community in which we live and work and strive to pay it forward and make a positive impact to better the lives of others.