Credit unions and Farm Credit lenders are the main source of Florida lot and land loans, with private lenders filling the raw-land gap.
16 profiled lenders write land loans in Florida. Rates as published, checked October 19, 2026.
| # | 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 | Farm Credit of Central Florida Farm Credit |
FL | Not published | 75% (about 25% down) | Call for rates | Up to 15 yr (lot loan) | farmcreditcfl.com |
| 4 | 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 |
| 5 | Rural 1st Farm Credit network |
Multi-state (rural) | Not published | Flexible down payment | Fixed-rate bare land, rate not published | Not published | rural1st.com |
| 6 | AgAmerica Ag lender |
Nationwide | From $50k | Up to 75% of value | Call for rates | Interest-only up to 10 yr | agamerica.com |
| 7 | AgLoans.com Broker |
Nationwide | Not published | Not published | Call for rates | Not published | agloans.com |
| 8 | Damen Capital Private lender |
Nationwide except CA, AZ, NV, NY, NJ, ND, SD, MT, HI, VT | $30k-$1M | 65% LTV; 20% down (0% w/ cross collateral) | 14% ($100k+), 16% (<$100k), interest only | 2 yr | damencapital.com |
| 9 | RBI Private Lending Private lender |
Miami FL based | Not published | 50% LTV | Typically 9%, 1.75 pts | 12-36 mo | rbiprivatelending.com |
| 10 | CMRE (Custom Mortgage) Hard money |
Multi-state | Not published | 65%-90% (ARV-based), 20-35% down | 9.99%-13.99% | Not published | custommortgageinc.com |
| 11 | EquityMax Private lender |
FL based | From $20k | Not published | Call for rates | Not published | damencapital.com |
| 12 | Capital Fund 1 Private lender |
AZ, CO, TX, GA, TN, NC, FL, SC | Not published | Not published | Call for rates | 6-24 mo | damencapital.com |
| 13 | First National Bank of America Bank |
All 50 states | $100k-$1.2M | 65% | Call for rates | Not published | damencapital.com |
| 14 | Quickline Capital Private lender |
All 50 states | $100k min | 50% | Call for rates | Up to 12 mo | damencapital.com |
| 15 | Alpha Funding Corp Private lender |
AZ, FL, NV, UT, TX | $2M-$15M+ | 60% | 12%-14% verify | 6-24 mo | damencapital.com |
| 16 | Private Capital Investors Private lender |
Nationwide | $1M-$50M | 70% | As low as 7% verify | 30 yr amort | privatecapitalinvestors.com |
State footprint from each lender's own page or cited source; membership rules may apply for credit unions. Estimate a Florida land payment →