Land loan lenders for Winona, MN AI 2026!

Browse and compare among 274 land loan lenders serving Winona, MN.

The average cost for an acre of land in MN is $29,832. For undeveloped land, the LTV is between 16.61% and 53.15%, while for developed land in MNName, the estimated LTV ranges from 36.28% to 75.36%.

The real value and LTV of any land loan are influenced by its location, size, topography, zoning, and any entitlements that have been applied to the land.

To learn about your land loan options and rates, contact the leading land loan lender in Winona, MN.

Explore loan offers from 100 lenders

The remarkable land loan calculator

To ensure all your hard money lending needs are met, Lendersa® AI technology will promptly align your loan request with hundreds of direct hard money lenders. Discover the best land loan rates today to finance any vacant land or land plus construction in MN.

Land loans and their valuation

Avoid unnecessary inquiries to maintain your credit score. Secure preapproval for your land loan without needing to provide your social security number or other sensitive financial details.

Both construction loans and blanket loans are essential parts of vacant land lending. By offering additional property as security (blanket loan), you may qualify for 100% LTV (Loan to Value) financing.

Nearby hard money lending?

Securing a private investor through a local hard money broker significantly enhances your chances of obtaining a loan. Land loans in Winona, MN, are optimally facilitated by local lenders familiar with the neighborhood. A short distance between the hard money investor and the property increases the likelihood of loan approval and expedites the funding process.

Use the Lendersa® land loan calculator to find vacant land loan lenders in zip codes 55987.



Winona Land Loan Lenders

  • F&M Community Bank, National Association
  • 100 Saint Anthony St North, Preston, MN, 55965
  • Lends in Minnesota
  • F & M Community Bank is a full-service, community-oriented bank that has been in operation since 1911. For over 100 years, we've been proud to fulfill the banking needs of local Minnesota citizens & businesses on a more personal, individualized level. Our employees who are your bank teller or your lending specialist are your neighbors & friends.

  • Main Source Mortgage
  • 3224 6th Ave NE, Rochester, MN, 55906
  • Lends in Minnesota
  • Main Source Mortgage our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the loan process so that you can confidently select the best loan for you & your company from the many loan options that are available today.

  • First Alliance Credit Union
  • 300 North Main Street, Stewartville, MN, 55976
  • Lends in Minnesota
  • At First Alliance Credit Union, we place our members' (and future members) needs first by providing compassion, guidance, and resources to promote their financial well-being. At First Alliance Credit Union, we want to be the trusted partner of choice for the financial success of our members and the communities we serve.

  • 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.

  • Moose's Money
  • 202 N Cedar Ave Suite 1, Owatonna, MN, 55060
  • Lends in Minnesota
  • Moose's Money is a private lender for business-purpose, non-owner-occupied investment real estate. We fund fix and flip, DSCR, bridge, BRRRR, new construction, and small multifamily nationwide, first lien only, entity borrowers. Loans from $50K to $3M. We fund most deals directly and place out-of-box deals through our lender network. Real equity and cash reserves required. Fast quotes and closings, every fee in writing upfront. No runaround.

  • 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

  • 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,

Also lends in Minnesota

  • Unity Bank.
  • 207 W Lincoln Street, Augusta, WI, 54722
  • Unity Bank is a family owned community bank with offices in Minnesota, Montana, and Wisconsin. With 16 locations, $565 million in assets, and 165 employees, Unity Bank continues to be an integral member of the communities we serve and is committed to providing a full range of products to meet our customer’s financial needs.