Average Construction Loan Interest Rates in Texas (2026)

Understanding current construction loan interest rates in Texas is essential for budgeting your commercial development project.

Current Average Construction Loan Rates in Texas

Commercial Construction Loans: Average rate 11.00% – 14.00% | Points: 2-4 | LTV: Up to 65% of completed value

Residential Construction for Investors: Average rate 10.99% – 13.99% | LTV: Up to 70% of ARV

Mini-Perm / Construction-to-Permanent: Average rate 8.50% – 11.00%

What Affects Construction Loan Rates

Developer experience, project type, location, loan size, pre-leasing, and borrower financial strength all impact your rate.

Commercial Loans of Texas has been financing Texas construction projects since 1998. We know which lenders are most competitive for your project type and location.

Get a construction loan quote: 877-TX-LENDING (877-895-3634)