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Lone Star Ag Credit History

Lone Star Ag Credit, a rural lending cooperative headquartered in Fort Worth, is one of the most experienced rural real estate and agricultural lenders in the state operating 17 offices covering 48 counties throughout north and central Texas.

Established in 1917 as part of the nationwide Farm Credit System, Lone Star Ag Credit has maintained long-standing traditions of independence, strength, stability and service in meeting the financing needs of our customers. Throughout our history, the dedication of our directors and staff to these qualities has enabled the association to succeed at its primary purpose: to provide competitive loan products and a fair return on the stockholders’ investment, and to preserve the safety of that investment.

For many years, Lone Star Ag Credit focused solely on financing farms and ranches. In fact, back in 1917, we made the very first Farm Credit land loan in Texas.

In the late 1990s, Lone Star Ag Credit created a secondary market department to handle loans for the purchase, refinance and construction of rural homes. These loans are competitively priced and are sold into the secondary market in order to ensure the best possible rates.

In January 2001, Lone Star Ag Credit formed a short- and intermediate-term lending division. As a result, Lone Star Ag Credit customers can now work with one credit officer to meet all of their financing needs, whether it’s for real estate, operating, equipment or livestock funds, or agribusiness needs.

In early 2014, Long Star Ag Credit merged with Texas Land Bank, another financially strong Farm Credit association that has served rural Texans since 1917.

Our mission at Lone Star Ag Credit is to build lifetime relationships through financial solutions.

Providing Financial Solutions For Rural Texas

Your Local Lender

Lone Star Ag Credit is headquartered in Fort Worth, with 16 office locations to meet your financing needs. Our loan specialists understand the needs of farmers, ranchers, agribusinesses and rural homeowners, because they live and work in the areas they serve. We do business face-to-face and sit down with you to work out the best financing options available. If you are too busy to come to us, our loan officers will come to you to customize a financing solution for your credit needs.

Our flexible loan terms include:

− Long-term repayment plans with terms from 5 to 30 years.
− Adjustable- or fixed-interest rate plans.
− Monthly, quarterly, semi-annual or annual payment options.
− Multiple re-advance loans that allow paydowns and re-advances without a new loan closing process.
− Customized loan packages to fit special situations, especially to accommodate young, beginning and small farmers.

Everything Your Business Needs

Lone Star Ag Credit offers competitive financing for farmers, ranchers, country homeowners, agribusiness owners and other rural landowners. We are your credit source for:

− Purchasing rural land.
− Farm or ranch operating expenses.
− Refinancing existing debt.
− Buying, refinancing or building a country home.
− Making capital improvements.
− Financing for agribusiness.

Borrower-Owned Cooperative

Lone Star Ag Credit is also a customer-owned cooperative and, as a cooperative, each borrower becomes a stockholder in our company. Lone Star Ag Credit has paid out more than $40 million in patronage dividends to our stockholders over the past 10 years. This lowers your effective interest rate and is an added benefit of doing business with us. We are owned by borrowers and governed by a local board of directors composed of customers and elected by customers. That means we always have your best interests in mind.

New To Agriculture?

At Lone Star Ag Credit, we recognize young, beginning and small farmers and ranchers as the future of Texas’ proud agricultural industry. We know it’s important to start off on the right foot, and we are committed to financing this new generation of producers to the full extent of their creditworthiness. Come talk to your local Lone Star Ag Credit office about our young, beginning and small (YBS) programs set up for producers just like you.

Real Estate Listings

Looking for property?

Lone Star Ag Credit has partnered with Lands of America to present rural property listings throughout Texas, Louisiana, Mississippi, Alabama and New Mexico. We hope to help you finance any properties listed here.

Lone Star Ag Credit also has bank-owned properties for sale. Take a look at what is currently being held, then let us help you find your special piece of the country.