Business Details
Your Trusted Partner for Agricultural Loan Solutions
Texas Land Bank has been a trusted partner for agricultural financing solutions since 1998, serving farmers, ranchers, and rural landowners across Texas and New Mexico. Our customer-owned cooperative model ensures that borrowers benefit directly from our success through annual patronage dividends, with over $204.8 million returned to customers in the past decade. We specialize in tailored loan programs for farm and ranch operations, land acquisition, equipment financing, agribusiness development, and country home purchases, with a dedicated team of lending experts who prioritize personalized service and community engagement.Our innovative online banking platform and 19 local offices enable seamless access to financial tools, while our commitment to transparency and education helps clients navigate complex agricultural investments. With a proven track record of delivering stress-free financing experiences, we empower customers to achieve their rural lifestyle and business goals through reliable, relationship-driven support.
Services
Farm & Ranch Loans
Equipment Financing
Agribusiness Loans
Country Home Loans
Young Farmer Loans
Highlights and features
- We offer 25+ years of specialized agricultural lending expertise
- Our customer-owned cooperative model returns profits directly to borrowers
- Dedicated local lending experts provide personalized service in 19 offices
- We deliver transparent, stress-free financing experiences with no surprises
- Our online tools simplify loan management and application processes
What people say
Smoothest property acquisition
Stellar performance
Stress-free process
Accessible and prompt
Community-focused service
Services
Farm & Ranch Loans
We provide specialized financing for agricultural land purchases, including large acreage tracts, working ranches, and farm properties. Our loans support both beginning and established producers seeking to expand operations or invest in rural real estate. Competitive rates and flexible terms help clients achieve long-term land ownership goals while maintaining operational cash flow.
Equipment Financing
Our equipment financing solutions cover new and used agricultural machinery purchases. Farmers and ranchers can secure funding for essential equipment upgrades without compromising working capital. With streamlined approval processes and terms matching equipment lifespan, we help modernize operations while preserving financial flexibility for ongoing agricultural needs.
Agribusiness Loans
We offer capital for agribusiness development, including facility construction, processing equipment, and operational expansion. These loans support value-added agricultural enterprises and rural commercial ventures. Our industry expertise ensures tailored financial solutions that align with seasonal cycles and long-term business growth strategies.
Country Home Loans
Our country home loan program provides affordable financing for rural residential properties. Whether purchasing, building, or refinancing a country residence, we offer competitive mortgage solutions with flexible underwriting. These loans help families access rural living opportunities while maintaining financial sustainability.
Young Farmer Loans
We support new agricultural entrepreneurs through specialized financing for young, beginning, and small farmers. These programs help launch operations with favorable terms for land acquisition, equipment, and working capital. Our mentorship resources and tailored loan structures reduce barriers to entry for the next generation of agricultural producers.
Questions
What loan programs do you offer for first-time land buyers?
Our Young, Beginning, and Small Farmer Loans provide favorable terms for first-time agricultural land purchases, including down payment assistance and flexible qualification criteria.
How does your patronage dividend program work?
As a customer-owned cooperative, we distribute annual profits to borrowers as cash dividends based on their loan activity, effectively reducing financing costs over time.
Can I apply for loans online?
Yes, our Ag Banking Online platform allows digital loan applications, document submission, and real-time status tracking while maintaining personalized support from lending experts.
What areas do you serve?
We operate in 81 counties across Texas and New Mexico with 19 local offices, providing in-person and virtual support for rural communities throughout these states.
How quickly can loans be approved?
Our streamlined process typically closes agricultural loans within 30-45 days, with dedicated loan officers ensuring timely documentation and underwriting efficiency.
Do you finance recreational land purchases?
Yes, our Farm, Ranch, and Recreational Real Estate loans cover properties for hunting, conservation, and rural leisure use alongside traditional agricultural investments.
