Land loan lenders for Oswego, NY AI 2026!

Review and compare offerings from 303 land loan lenders operating in Oswego, NY.

In NY, the average cost for an acre of land is $17,605. The loan-to-value ratio (LTV) for undeveloped land spans from 15.95% to 45.71%, whereas for already developed land in NYName, the estimated LTV ranges from 35.75% to 74.80%.

The true value and LTV of land loans are influenced by various factors, including location, size, terrain, zoning laws, and any entitlements that have been granted.

Get in touch with the leading land loan lender in Oswego, NY, to explore your land loan possibilities and rates.

Evaluate loan offers from 100 lenders

The Magical Land Loan Calculator

With Lendersa® AI technology, your loan request is swiftly matched with a vast network of direct hard money lenders to satisfy all your hard money lending needs. Discover optimal land loan rates today to finance any vacant land or land development project in NY.

Land Loans and Property Value

By avoiding unnecessary inquiries, you can protect your credit score. Obtain preapproval for your land loan without the need to provide your social security number or sensitive financial details.

Construction and blanket loans are integral to vacant land lending; you might be eligible for up to 100% LTV financing by using additional property as security, known as a blanket loan.

Looking for Hard Money Lending Nearby?

Finding a private investor through a local hard money broker significantly increases your chances of securing a loan. In Oswego, NY, arranging land loans through local lenders familiar with the community is often most effective. A closer distance between the hard money investor and the property improves loan approval prospects and expedites the funding process.

Utilize the Lendersa® land loan calculator to locate lenders for vacant land loans in the zip codes 13126.



Oswego Land Loan Lenders

  • 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

  • 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.

  • T.Brooks & Associates
  • 327 mullin st, Watertown, NY, 13601
  • Lends in New York
  • T.Brooks & Associates: Elevating Business Innovation
    I get you fast funding when banks say no. As your hard money broker, I connect you directly with private lenders who move quick, offer flexible terms, and close deals others can’t. My job is simple—get you the money you need to secure your property and profit.

  • 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.

  • 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.

  • 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).

  • 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.

  • St. Lawrence Federal Credit Union
  • 800 Commerce Park Drive, Ogdensburg, NY, 13669
  • Lends in New York
  • Our mission is to be a trusted provider of financial services while building lasting relationships with our members, employees, and community.Since our beginning in 1954 as the St. Lawrence State Hospital Employees Federal Credit Union, we have focused on making a positive impact on people’s lives.We are committed to honesty