Lenders using AI on vacant land in Germantown, TN 2025!

Explore and compare among 251 land loan lenders operating in Germantown, TN.

The average price for an acre of land in TN is $66,140. The loan-to-value (LTV) ratio for undeveloped land ranges from 18.56% to 75.23%, while the estimated LTV for loans on developed land in TNName falls between 37.83% and 77.02%.

The actual value and loan LTV of any piece of land depend on factors like its location, size, topography, zoning, and any entitlements associated with the land.

To find out about your land loan options and rates, get in touch with the top land loan lender in Germantown, TN.

Explore offers from 100 lenders

The Magic Land Loan Calculator

Utilizing Lendersa® AI technology ensures all your hard money lending needs are met, quickly connecting your loan request with numerous direct hard money lenders. Discover the best land loan rates today to fund any vacant land or land plus construction in TN.

Land Loans and Property Value

Reducing unnecessary inquiries can help protect your credit score. Obtain preapproval for your land loan without needing to provide your social security number or any sensitive financial information.

Construction loans and blanket loans are central to vacant land lending; you might qualify for 100% LTV financing by agreeing to use additional property as collateral (blanket loan).

Looking for Hard Money Lending Nearby?

Finding a private investor through a local hard money broker can greatly enhance your chances of securing a loan. Land loans in Germantown, TN are best arranged by local lenders familiar with the neighborhood. A short distance between the hard money investor and the property improves approval odds and speeds up the funding process.

Use the Lendersa® land loan calculator to identify vacant land loan lenders in zip codes 38138, 38139, 38183.



  • Paragon Bank
  • 5400 Poplar Avenue, Memphis, TN, 38119
  • Paragon Bank prides itself on offering superior service based on a combination of banking expertise and local knowledge. A full-service bank with a comprehensive package of banking solutions delivered both in person and online, Paragon bankers provide big bank products and capabilities with community bank personal service.
  • LG&W Federal Credit Union
  • 1616 Whitten Road, Memphis, TN, 38134
  • L G & W Federal Credit Union is dedicated to serving and supporting the MLGW family with the financial products and services they want and need. Our friendly and knowledgeable staff has just one goal-to serve you! Unlike some larger financial institutions, we see you as a unique person, not just another account number.
  • Brighton Bank Tennessee
  • 7663 Highway 51 S, Brighton, TN, 38011
  • Brighton Bank is proud to be the oldest community bank serving Tipton County. Our rich history and commitment to the community allow us to provide friendly customer service and modern banking amenities to all our customers throughout West Tennessee. Chartered under the laws of the state of Tennessee on October 10, 1910
  • Patriot Equity Credit Union
  • 1450 Union University Drive, Jackson, TN, 38305
  • Patriot Equity Credit Union is a non-profit cooperative organization created for the purpose of providing financial services to its members. Every member is a shareholder or "owner" of the Credit Union. Founded in 1929, Patriot Equity Credit Union serves the employees and family members of the U.S. Postal Service.
  • Decatur County Bank
  • 56 N. Pleasant St., Decaturville, TN, 38329
  • Decatur County Bank has grown exponentially since opening more than a century ago. In 2010, we established West Tennessee Bank, in order to better serve customers in surrounding counties. In 2018, the Jackson branch of West Tennessee Bank opened on Union University Drive. Because of you, we continue to grow and thrive throughout West Tennessee
  • Commercial Bank and Trust Company
  • 920 East Wood St, Paris, TN, 38242
  • Catering to personal and small business financial needs since 1877, Commercial Bank and Trust Company is a unique full-service bank, distinguished by its impeccable customer service and refined atmosphere. With eleven branches located throughout Memphis, Paris, Union City, and Jackson, Tennessee, Commercial Bank stands ready to put
  • Heritage Bank & Trust
  • 217 South James M. Campbell Boulevard, Columbia, TN, 38401
  • Heritage Bank & Trust is proud to be your community bank serving Maury and Lawrence counties. Offering a broad range of financial services from personal to business needs, Heritage Bank & Trust strives to make your life better. Heritage Bank & Trust has offices in Columbia, Mount Pleasant and Lawrenceburg.
  • Richardson TRG Co
  • 3007 Posada Court, Spring Hill, TN, 37174
  • "Empower your property investments with TRG, a dynamic hard money lender. Specializing in rapid, flexible financing for fix-and-flips, rentals, and commercial ventures, we offer competitive rates and fast approvals. Partner with TRG for a seamless, profitable real estate experience. Contact us to unlock your potential today!"
  • Hollygrove Lending
  • Bristol Creek Dr., Nashville, TN, 37221
  • Hollygrove Lending is devoted to developing a relationship and track record with you. We aim to guarantee the highest level of customer satisfaction as we go the extra mile for your lending needs. Our mission is to help you get your next deal funded quickly and efficiently so you can focus on your properties.