Ground-Up Construction Loans in New York
13 lenders in our directory offer construction loans in New York. Loans to build new homes or small projects from the ground up, typically sized on cost (LTC) and completed value, funded in draws.
Typical advertised terms
Medians of advertised ranges · checked 2026-10-27Terms as advertised on each lender's website, last checked October 27, 2026. Not an offer; actual terms depend on your deal. Confirm directly with the lender.
New York generally uses judicial foreclosure, which goes through the courts and usually takes longer. Lenders may price that in or ask for lower leverage.
Compare 13 lenders
| Lender | Rate* | Points* | Max LTC* | Min credit* | Loan size* | Loan types | |
|---|---|---|---|---|---|---|---|
| Anchor Loans Thousand Oaks, CA | — | — | 85% | 620 | $75K–$200M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Certain Lending Seattle, WA | — | — | 97.5% | 660 | $75K–$3M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| CoreVest Finance Irvine, CA | — | — | 100% | — | from $75K | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Crebrid Plano, TX | 5.75% | 1–2.5 | 90% | 640 | $75K–$5M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Easy Street Capital Austin, TX | 5.75% | — | 93% | 600 | $75K–$5M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Genesis Capital All 50 states + DC | — | — | — | — | — | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| KECO Capital, LLC Honolulu, HI | 7.99% | — | 90% | — | — | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Kiavi Pittsburgh, PA | 6.375% | — | 100% | — | $75K–$10M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| LendingOne Boca Raton, FL | — | — | 100% | — | $85K–$40M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Lima One Capital Greenville, SC | 6.5% | — | 95% | 660 | $85K–$5M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| MoFin Lending New York, NY | — | — | 90% | 660 | $3.5M–$20M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Mortgage Vintage All 50 states + DC | 9.99% | — | 75% | — | $100K–$3.5M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Upright Lending Cleveland, OH | 5.99% | — | 92.5% | 660 | $100K–$3.5M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
* Terms as advertised on each lender's own website, last checked 2026-10-27. Not an offer; actual terms depend on your deal. Confirm directly with the lender. “—” means the website didn't say.
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Frequently asked questions
What is a construction loan?
Loans to build new homes or small projects from the ground up, typically sized on cost (LTC) and completed value, funded in draws.
What rates do construction lenders charge in New York?
The median advertised range among the 7 lenders that publish rates is 6.375–8.99% (as advertised).
How much leverage can I get in New York?
Median published maximum loan-to-cost is 92.75% across 12 lenders (as advertised).
Where do these rates come from?
Each lender's own website. We record what they advertise and re-check every lender's site regularly; the date checked is shown on every page. They aren't offers. Your actual terms depend on your deal, credit and experience, so confirm directly with the lender.
How are lenders ordered?
Alphabetically by default, and you can re-sort by rate, leverage, minimum credit or speed. No lender can pay for a higher position.
Other loan types in New York
Ground-Up Construction Loans nationwide
How this directory works
HardMoneyRate does not rank lenders by who pays us. Lists are A–Z by default and you choose the sort. No lender can buy a higher position, a “featured” badge, or a better rating. Terms are what each lender advertises on its own website, checked regularly. They aren't offers and haven't been confirmed with the lender. Reviews can only come from borrowers who actually connected with that lender through HardMoneyRate. Lenders can request corrections or removal at any time.