Will a bank loan money on land that I own no house has been built its just land?

Any real property, whether developed or not, is collateral. So, yes, a bank will loan you money using your land as collateral. How much the bank will lend you depends on what your property is worth and how much you still owe on it.

of course. anything that has value is collateral for a loan

If it is an agricultural land,you will have to contact agricultural finance.If it was turned for commercial use than you can use as equity.

they should as long as it has positive equity in it.

I think it will be tough...banks need something to repossess and to unload quickly as collateral. Unless you plan to build, I doubt you'll get it.

Most banks will not go anywhere near raw land. You need a good construction plan, good income, good credit, and some cash. If you have all these they still might say no. In that case, any mortgage broker will be able to find someone who will lend on the property, it just might be at a higher rate than a bank.

Whether or not a bank will loan money on land you own will depend on what the total loan-to-value (LTV) ratio will be. In my experience, banks want a lower LTV ratio on raw land, like 75% is a number that is typical. So for example if the land is worth $100,000, a bank considering lending on it (and using the 75% LTV ratio) would not want the total loan(s) to be more than $75,000.

You didn't say whether or not there is already a loan on it or if you own it outright. However, say you already have a loan on it, and the LTV is 80%, but you want to build a shop on it. If you ask the same bank that holds your present mortgage, chances are they would say yes. If you just want to take the money and spend it elsewhere, then your chances of them saying yes are lower.