interest rates on property (not home and property)?

In the market to purchase property in a subdivision in Lafayette. Ideal time for me to building on property would be in approximately 24 months. Credit score is over 750. Very little debt here. Which lenders in your opinion right now will have the best interest rates on financing $30-$40,000. Looking to take out a 5 year loan on this. Few banks I've talked to are saying on just land rates are in the 7% range compared to the 3.5-4.5 rates on homes. Any advice would be appreciated.