Lenders using AI on vacant land in Morristown, TN 2026!

Choose and compare from 298 land loan lenders operating in Morristown, TN.

The average cost of an acre of land in TN is $23,168. For undeveloped land, the loan-to-value (LTV) ratio spans from 16.25% to 49.09%, while for developed land in TNName, the estimated LTV ranges between 35.99% and 75.06%.

The actual value and LTV of any land depend on several factors including its location, size, topography, zoning, and any entitlements associated with it.

Learn about your land loan options and explore the current rates by contacting the top land loan lender in Morristown, TN.

Explore loan offers from 100 lenders

The Magic Land Loan Calculator

Using Lendersa® AI technology ensures all your hard money lending needs are addressed by swiftly matching your loan request with numerous direct hard money lenders. Find the best land loan rates today to finance any kind of vacant land or land plus construction in TN.

Land Loans and Property Value

Reducing unnecessary inquiries can protect your credit score. Obtain preapproval for your land loan without sharing your social security number or sensitive financial information.

Construction and blanket loans are crucial in the realm of vacant land lending. You may be eligible for 100% LTV (Loan to Value) financing if you agree to use additional property as collateral (blanket loan).

Is Hard Money Lending Available Nearby?

When you find a private investor through a local hard money broker, your chances of loan approval greatly improve. Land loans in Morristown, TN are ideally managed by local lenders who are acquainted with the area. Keeping the hard money investor close to the property enhances approval chances and accelerates funding.

Utilize the Lendersa® land loan calculator to locate vacant land loan lenders in zip codes 37813.



Morristown Land Loan Lenders

  • First Community Bank
  • 809 West Main Street, Rogersville, TN, 37857
  • Lends in Tennessee
  • First Community Bank of East Tennessee offers a complete range of financial services including savings, checking, CDs, investment services, consumer, mortgage, and commercial lending, business services, and much more. The philosophy of local bank decision-making and personalized service is the driving force of First Community Bank. Founded in 1993.

  • Realty Mortgage Services, LLC
  • 4378 Maynardville Hwy, Suite C, Knoxville, TN, 37807
  • Lends in Tennessee
  • Realty Mortgage Services, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family.

  • Citizens National Bank TN
  • 200 Forks of the River Pkwy, Sevierville, TN, 37862
  • Lends in Tennessee
  • The mission of Citizens National Bank is to provide a positive & distinctive banking environment by exceeding Our Clients'​ expectations with every interaction; serving Our Communities with an unwavering commitment, economically or otherwise, as a proud corporate citizen; ensuring Our People have the opportunity to grow personally & professionally.

  • ORNL Federal Credit Union
  • ornlfcuse!52261, Oak Ridge, TN, 37831
  • Lends in Tennessee
  • ORNL Federal Credit Union (FCU) is a not-for-profit, member-owned financial cooperative benefiting all who belong. Since 1948, our mission has been to help our members create healthy relationships with their money. By helping hundreds of thousands of members see success, we have become one of the largest credit unions in East Tennessee.

  • Northeast Community Credit Union
  • 980 Jason Witten Way, Elizabethton, TN, 37643
  • Lends in Tennessee
  • Northeast Community Credit Union began in 1952 as Elizabethton Teachers Credit Union to provide financial services to area educators. A small group of school teachers petitioned the Tennessee Department of Financial Institutions for a charter to begin the credit union, due to school staff finding it more difficult to borrow since they were paid.

  • Citizens Bank Tennessee
  • 300 Broad Street, Elizabethton, TN, 37643
  • Lends in Tennessee
  • Since 1934, families and businesses have placed their trust and confidence in a bank that has grown and prospered right along with the East Tennessee region. Today, Citizens Bank is one of Tennessee's most solid banks, providing the best available financial services, convenience, technology, and expertise, so you can bank your own way

  • Carter Finance & Thrift Corporation
  • 140 Pioneer Village, Mountain City, TN, 37683
  • Lends in Tennessee
  • Carter Finance has been serving families in East Tennessee, Western North Carolina, and Southwest Virginia for more than 60 years. Carter Finance was originally opened to service the Carter County area in 1953. A branch office was opened in Mountain City in 1991 to allow us to better serve our Johnson County customers.

  • Highland Federal Savings and Loan Association
  • 106 South Main St, Suite 103, Crossville, TN, 38555
  • Lends in Tennessee
  • The mission of Highland Federal Savings and Loan Association is to provide quality products and professional, personal service to our customers, who are the focus of everything we do. Locally owned and operated since 1961, member of FDIC and an Equal Housing Lender, we continue to promote security and trust as absolute priorities.

  • Upper Cumberland Federal Credit Union
  • 627 Livingston Road, Crossville, TN, 38555
  • Lends in Tennessee
  • Upper Cumberland Federal Credit Union was chartered with the purpose of serving the employees of the Carter Ink Company in Massachusetts. The original name of the credit union was Carter Inx Folx Federal Credit Union. As the Carter Ink Company expanded, an ink manufacturing plant was built in Crossville, Tennessee.

Also lends in Tennessee

  • First Bank and Trust Company
  • 667 West Main Street, Abingdon, VA, 24210
  • First Bank and Trust Company is a relationship-driven and community-focused financial institution that provides personal and commercial banking products and services across its 31 locations in Virginia and Northeast Tennessee.

    The First Bank & Trust Company is a diversified financial services firm with 22 full-service Branches