Texas has the deepest land-loan bench in the country - credit unions, rural banks and private lenders all compete here.
18 profiled lenders write land loans in Texas. Rates as published, checked October 19, 2026.
| # | Lender | States / footprint | Loan size | Max LTV / down | Rate as published | Term | Source |
|---|---|---|---|---|---|---|---|
| 1 | 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 |
| 2 | 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 |
| 3 | Randolph-Brooks FCU (RBFCU) Credit union |
TX | Not published | Up to 90-100% financing (DTI limits) | Call for rates | Up to 15 yr | rbfcu.org |
| 4 | Texans CU Credit union |
TX | Not published | 80% financing | Call for rates | Up to 20 yr, 5 yr balloon option | texanscu.org |
| 5 | 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 |
| 6 | Herring Bank (guide) Bank |
TX | Not published | Guide: raw 35-50% down | Call for rates | Not published | herringbank.com |
| 7 | Rural 1st Farm Credit network |
Multi-state (rural) | Not published | Flexible down payment | Fixed-rate bare land, rate not published | Not published | rural1st.com |
| 8 | AgAmerica Ag lender |
Nationwide | From $50k | Up to 75% of value | Call for rates | Interest-only up to 10 yr | agamerica.com |
| 9 | AgLoans.com Broker |
Nationwide | Not published | Not published | Call for rates | Not published | agloans.com |
| 10 | First Source Capital (FSCAP) Mortgage banker |
TX focus (verify) | Not published | Not published | Call for rates | 30-yr fixed rural land | fscap.com |
| 11 | 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 |
| 12 | CMRE (Custom Mortgage) Hard money |
Multi-state | Not published | 65%-90% (ARV-based), 20-35% down | 9.99%-13.99% | Not published | custommortgageinc.com |
| 13 | 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 |
| 14 | First National Bank of America Bank |
All 50 states | $100k-$1.2M | 65% | Call for rates | Not published | damencapital.com |
| 15 | Quickline Capital Private lender |
All 50 states | $100k min | 50% | Call for rates | Up to 12 mo | damencapital.com |
| 16 | Little City Investments Private lender |
TX | $150k min | 50% | Call for rates | Not published | damencapital.com |
| 17 | Alpha Funding Corp Private lender |
AZ, FL, NV, UT, TX | $2M-$15M+ | 60% | 12%-14% verify | 6-24 mo | damencapital.com |
| 18 | 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 Texas land payment →