Tennessee land loans come mostly from regional credit unions and community banks, with private lenders for faster closes.
13 profiled lenders write land loans in Tennessee. Rates as published, checked October 19, 2026.
| # | Lender | States / footprint | Loan size | Max LTV / down | Rate as published | Term | Source |
|---|---|---|---|---|---|---|---|
| 1 | 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 |
| 2 | Tennessee Valley FCU Credit union |
AL/TN (membership) | Not published | Up to 70% LTV at 600 score, up to 95% at ~720 | Call for rates | Not published | tvfcu.com |
| 3 | Rural 1st Farm Credit network |
Multi-state (rural) | Not published | Flexible down payment | Fixed-rate bare land, rate not published | Not published | rural1st.com |
| 4 | AgAmerica Ag lender |
Nationwide | From $50k | Up to 75% of value | Call for rates | Interest-only up to 10 yr | agamerica.com |
| 5 | AgLoans.com Broker |
Nationwide | Not published | Not published | Call for rates | Not published | agloans.com |
| 6 | 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 |
| 7 | CMRE (Custom Mortgage) Hard money |
Multi-state | Not published | 65%-90% (ARV-based), 20-35% down | 9.99%-13.99% | Not published | custommortgageinc.com |
| 8 | Old National Bank Bank |
IL, IN, IA, KY, MI, MN, ND, TN, WI | Not published | 20% down | Call for rates | 15 yr fixed; 5/6 ARM 20yr | crediful.com |
| 9 | First Bank & Trust (VA) Bank |
VA, NC, TN | Not published | 80%, 20% down | Call for rates | 5-10 yr | crediful.com |
| 10 | 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 |
| 11 | First National Bank of America Bank |
All 50 states | $100k-$1.2M | 65% | Call for rates | Not published | damencapital.com |
| 12 | Quickline Capital Private lender |
All 50 states | $100k min | 50% | Call for rates | Up to 12 mo | damencapital.com |
| 13 | 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 Tennessee land payment →