Lenders using AI on vacant land in Binghamton, NY 2026!

Review and contrast offerings from 299 land loan lenders operating in Binghamton, NY.

In NY, the average price per acre of land is $18,187. For undeveloped land, the loan-to-value (LTV) ratio spans from 15.98% to 46.06%, while for developed land, it is estimated to fall between 35.78% and 74.83%.

The true value and LTV of any land parcel depend on its location, size, topography, zoning, and any existing entitlements.

Learn about your land loan options and find competitive rates by connecting with the top land loan lender in Binghamton, NY.

Review offers from 100 lenders

The innovative land loan calculator

To address all your hard money lending needs, Lendersa®'s AI technology instantly connects your loan request with hundreds of direct hard money lenders. Explore the best land loan rates today to fund any type of vacant land or land plus construction project in NY.

Land loans and assessing land value

Preventing unnecessary inquiries can help maintain a strong credit score. Get pre-approved for your land loan without requiring your social security number or sensitive financial data.

Construction loans and blanket loans are integral to vacant land lending. You may qualify for 100% LTV financing by securing additional properties as collateral (blanket loan).

Hard money lending in your vicinity?

Finding a private investor through a local hard money broker significantly increases your chances of securing a loan. In Binghamton, NY, land loans are optimally handled by local lenders who know the area well. The proximity between the investor and the property boosts approval odds and accelerates the funding process.

Use the Lendersa® land loan calculator to find vacant land loan lenders in zip codes 13904.



Binghamton Land Loan Lenders

  • CFCU Community Credit Union
  • 1030-1050 Craft Road, Ithaca, NY, 14850
  • Lends in New York
  • Our mission is to provide the highest level of personal financial services in a friendly, professional manner; to encourage thrift, savings and the wise use of credit; to increase the knowledge & ability of our members to manage & control their financial well-being; to provide sound financial management.

  • The Delaware National Bank of Delhi
  • 124 Main Street, Delhi, NY, 13753
  • Lends in New York
  • The Delaware National Bank of Delhi is the oldest bank in Delaware County, and the oldest corporation in the community of Delhi. We are also the 25th oldest bank in the country, and the 3rd oldest in New York State.

    In 1839 we opened our doors for business on the second floor of a storefront on Delhi's Main Street. In 1841

  • Elmira Savings Bank
  • 333 E Water St, Elmira, NY, 14901
  • Lends in New York
  • Elmira Savings Bank is a full service community bank headquartered in Elmira, NY. The bank currently has thirteen full-service locations in Chemung, Tompkins, Cayuga & Steuben Counties, as well as one loan center located in Broome County. Elmira Savings Bank strives to provide above-average returns to our shareholders while providing a broad range.

  • MHD Empire Service Corp.
  • 300 South State St, Suite 1000, Syracuse, NY, 13202
  • Lends in New York
  • At MHD Empire Service Corp. We are a sister company of Haylor, Freyer & Coon, one of the largest independent insurance agencies in the Northeast.

    Founded in 1983, MHD Empire Service Corp. was established to assist retailers, community owners and individuals in securing quality financing and insurance for

  • Cayuga Lake National Bank
  • 165 Cayuga Street, Union Springs, NY, 13160
  • Lends in New York
  • Cayuga Lake National Bank is a full-service community bank headquartered in Union Springs, NY with a second office in Aurora, NY. We provide consumer and commercial banking and lending products to the Finger Lakes Region of Central New York and beyond. Cayuga Lake National Bank offers a full suite of consumer banking products.

  • Community Bank, N.A.
  • 5821 Bridge Street, East Syracuse, NY, 13057
  • Lends in New York
  • Community Bank System Inc. (NYSE:CBU) is a full-service financial institution with more than 215 customer locations across New York, Pennsylvania, Vermont & Massachusetts, where we’re known as Community Bank, N.A. With over $13 billion in assets, we have the resources to finance a wide range of personal, small business & commercial business needs.

  • Reliant Community Federal Credit Union
  • 10 Benton Pl., Sodus, NY, 14551
  • Lends in New York
  • Reliant Credit Union is a member-owned and member-driven full-service financial institution with nine branches across Monroe, Ontario, & Wayne Counties in New York. We're committed to making a difference in the communities we serve by improving our members'​ financial lives and exemplifying the credit union philosophy of "people helping people

  • The National Bank of Coxsackie
  • 3-7 Reed Street, Coxsackie, NY, 12051
  • Lends in New York
  • At National Bank of Coxsackie, we pride ourselves on being a reliable hometown bank that focuses on customer service. We are committed to providing you with the finest products and services possible. National Bank of Coxsackie understands that not every individual is the same and views our customers as such.

  • TEG Federal Credit Union
  • 1 Commerce Street, Poughkeepsie, NY, 12603
  • Lends in New York
  • TEG Federal Credit Union is a local, member-owned, not-for-profit, full-service community financial institution open to all those who live, work, worship or attend school in Dutchess, Orange, Ulster, Sullivan, Putnam, Rockland and Westchester County in New York. Since 1969, TEG has been a steady source of financial services to its members.

Also lends in New York

  • Lewis Commercial Services llc dba Michael Lewis Group
  • P.O. Box 1068, DINGMANS FERRY, PA, 18328
  • The Michael Lewis Group has long relationships with a great many life companies, CMBS platforms, hedge funds, pension funds, hard money lenders, private money lenders, equity investors, ultra-high-net-worth individuals, construction loan lenders including infrastructure financing, middle market advisory services via affiliated merchant banks and in