Land loan lenders for Elmira, NY AI 2026!

Browse and compare among 299 land loan lenders in Elmira, NY.

The average cost for an acre of land in NY is $14,860. The loan-to-value (LTV) for undeveloped parcels ranges from 15.80% to 44.04%, while for developed land, it is estimated between 35.64% and 74.68%.

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

Explore your options for land loans and rates by reaching out to the top land loan provider in Elmira, NY.

Check offers from 100 lenders

The enhanced land loan calculator

Lendersa®'s AI technology efficiently connects your loan request with many direct hard money lenders, addressing all your lending needs. Discover excellent land loan rates today for any type of vacant land or land plus construction in NY.

Land loans and assessing property value

Minimizing unnecessary inquiries can help protect your credit score. You can get pre-approved for your land loan without needing to provide your social security number or sensitive financial data.

Construction and blanket loans are essential parts of vacant land lending; 100% LTV financing might be available by offering additional property as collateral (blanket loan).

Is hard money lending available nearby?

Working with a private investor through a local hard money broker greatly enhances your chances of obtaining a loan. Land loans in Elmira, NY are best suited for local lenders familiar with the community. The proximity between the investor and the property increases approval odds and accelerates the funding process.

Use the Lendersa® land loan calculator to find vacant land loan lenders in zip codes 14901.



Elmira Land Loan Lenders

  • 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.

  • 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.

  • 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.

  • Genesee Valley Federal Credit Union
  • 4621 Millennium Drive, Geneseo, NY, 14454
  • Lends in New York
  • At Genesee Valley Federal Credit Union, if you live, work, worship, go to school or volunteer in Livingston or Wyoming Counties, you are eligible to become a member. Also, included are member's immediate family- grandparents, parents, step-parents, spouse children (including adopted and step), grandchildren and siblings (step-siblings).

  • 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

  • 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

  • Five Star Bank
  • 220 Liberty Street, Warsaw, NY, 14569
  • Lends in New York
  • We provide our customers a dedicated team of over 600 employees who work together in an environment of trust, integrity, and mutual respect. Our customers are at the heart of our organization, where every interaction is an opportunity for us to deliver a friendly, professional, relationship building experience.

  • Tompkins Lending
  • 115 Liberty Pole Way, Rochester, NY, 14604
  • Lends in New York
  • Tompkins Lending is a mortgage broker / direct lender serving Greater Rochester and Monroe County. Tompkins Lending is spearheaded by Tim Tompkins, the sole decision maker, and is typically able to provide a fast answer without an appraisal or engineer’s inspection, saving our clients time and money.

  • 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