questions about getting loan on vacant land in California

[Katy Nguyen]

The current mortgage rate at BofA is about 4.0% for 30-year fixed, and 3.25% on 15-year fixed.  What is the current, average loan rate for vacant land in California?  About how much does the bank require for down payment, and for how many years is the loan?  How difficult is it to get these land loans?  What major banks in California do these land loans?  Thanks.