We track land lenders state by state - rates, down payments, LTV, terms and closing speed - so you can compare real options before you talk to a single loan officer.
Estimate my land loan52 land lenders profiled by our research desk, refreshed monthly. Every rate is shown exactly as the lender publishes it, with the date we checked.
| # | Lender | States / footprint | Loan size | Max LTV / down | Rate as published | Term | Source |
|---|---|---|---|---|---|---|---|
| 1 | Eglin FCU Credit union |
FL (membership) | $5k-$200k | 80% LTV | APR 8.50% (5y), 9.00% (10y) as of 8/14/2026 | 5-10 yr fixed | eglinfcu.org |
| 2 | GTE Financial Credit union |
FL | Example $50k loan | Not stated | Example APR 5.008% (5/6 ARM, illustrative) | 5/6 ARM | gtefinancial.org |
| 3 | Truliant FCU Credit union |
FL, GA, NC, OH, SC, TN, VA | $5k-$200k | Not stated | APR 8.24%-8.99% | 144-180 mo | truliantfcu.org |
| 4 | Coosa Valley CU Credit union |
GA (Rome area) | Not published | 70% of appraised value or price, 30% down | Example 13% APR on $50k/10yr | 10 yr fixed | mycvcu.org |
| 5 | Listerhill CU Credit union |
AL | Not published | 15% down | APR as low as 7.25% (20 yr) | Up to 20 yr | listerhill.com |
| 6 | Texell CU Credit union |
TX | Min $20k | 80% LTV, 20% down | APR as low as 6.99% (5y) / 7.49% (10y) / 7.99% (15y), eff. 9/8/2026 | 5-15 yr fixed | texell.org |
| 7 | DuGood CU Credit union |
TX (Beaumont area, verify) | Min $15k | 80% financing, 20% down | 5.75% (5y), 6.00% (10y, 15y) for A+ credit | Up to 15 yr | dugood.org |
| 8 | First Financial Bank (FFIN) Bank |
TX (verify footprint) | Example $300k | 80% LTV (75% on 30 yr), down 10% | APR 6.126% shown; 6.35% rate on 30yr example | Up to 30 yr | ffin.com |
| 9 | Communication FCU Credit union |
OK, KS | Up to 100 ac | 95% purchase / 80% refi | 15yr fixed 7.500% (APR 7.645%) as of 10/18/2026 | 5, 10, 15 yr | comfedcu.org |
| 10 | Security Service FCU Credit union |
Not stated in extract | Example $120k | 80% CLTV | Land 15yr 7.500% (APR 7.668%), lot 15yr 7.000% | 15 yr | ssfcu.org |
Showing 10 lenders with published rates. See all 52 lenders →
Price, down payment and term in - real monthly payments out, plus the lenders that fit your state and land type.