Business Details
Trusted Agricultural Financing Solutions
Lone Star AG Credit has been a trusted partner for agricultural financing since the late 1800s, rooted in a legacy of supporting rural communities. We specialize in providing tailored financial solutions for farmers, ranchers, agribusinesses, and rural homeowners across Texas and New Mexico. Our customer-owned cooperative model ensures that borrowers benefit directly from our success through annual patronage distributions. With 19 offices covering 81 counties, our local lending experts understand the unique needs of agricultural operations and offer personalized service to help clients achieve their goals. We provide financing for land acquisition, farm and ranch operations, construction projects, equipment purchases, and agribusiness development. Our commitment to transparency and relationship-based banking has earned us consistent praise from satisfied customers who highlight our accessibility, expertise, and stress-free processes.As part of the Farm Credit System, we maintain rigorous financial standards while reinvesting in the communities we serve. Our team combines deep industry knowledge with innovative digital tools like Ag Banking Online (ABOL) to streamline financial management for agricultural clients. We prioritize long-term partnerships over transactions, helping generations of farmers and ranchers build sustainable enterprises. This dedication to rural America's future is reflected in our record $32.3 million patronage distribution in 2024 and over $204.8 million returned to borrowers in the past decade.
Services
Farm and Ranch Loans
Agricultural Construction Loans
Equipment Financing
Agribusiness Loans
Country Home Loans
Young Beginning Farmer Loans
Highlights and features
- 25+ years of partnership with agricultural communities
- Customer-owned cooperative model returns profits to borrowers
- 19 offices covering 81 counties in Texas and New Mexico
- Record $32.3 million patronage distribution in 2024
- Personalized service from local lending experts
Associations and certifications
- Equal Credit Opportunity Lender
- Equal Housing Lender
What people say
Smoothest property acquisition
Accessible and prompt
Stellar performance
Stress-free process
Knowledgeable team
Services
Farm and Ranch Loans
We provide specialized financing for agricultural land acquisition, including large acreage tracts, ranches, and farms. Our loans support both beginning and established operations with competitive rates and flexible terms. Customers benefit from local expertise and streamlined processes that minimize stress during major purchases.
Agricultural Construction Loans
Short-term financing solutions cover land purchase, materials, and labor for agricultural construction projects. We support building homes, barns, and operational facilities with dedicated lending experts guiding clients through every phase of development.
Equipment Financing
Finance new or used agricultural equipment essential for farm and ranch operations. Our equipment loans help modernize fleets and maintain productivity with terms tailored to the specific needs of agricultural businesses across Texas and New Mexico.
Agribusiness Loans
Capital solutions for agribusinesses seeking to acquire or expand facilities. We support processing plants, supply stores, and other agricultural enterprises with customized financing that considers each business's unique operational requirements and growth plans.
Young Beginning Farmer Loans
Specialized programs help new farmers and ranchers establish operations through favorable financing terms. Our YBS loans provide critical capital for land purchases, equipment, and operational startup costs with dedicated support for first-generation agricultural entrepreneurs.
Questions
What types of agricultural loans do you offer?
We provide farm and ranch land loans, construction financing, equipment purchases, agribusiness capital, country home loans, and specialized programs for young beginning farmers.
How does your cooperative structure benefit customers?
As a customer-owned cooperative, our borrowers receive annual patronage distributions when we perform well. This structure ensures our success directly benefits the agricultural communities we serve.
What areas do you serve?
We operate across Texas and New Mexico with 19 offices covering 81 counties, providing local expertise and face-to-face service for agricultural financing needs.
How do I start the loan application process?
Begin online with our loan calculator or contact a local lending expert. Our team will guide you through required documentation and financing options tailored to your agricultural goals.
What financing options exist for new farmers?
Our Young Beginning Small (YBS) Farmer and Rancher Loan Program offers specialized financing with favorable terms to help new agricultural entrepreneurs establish operations successfully.
How do your loan terms compare to traditional banks?
As a cooperative focused exclusively on agriculture, we offer competitive rates and flexible terms with deeper understanding of agricultural operations than traditional banking institutions.
