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* Loans
Loans for all of your dreams
* All Loans
* Recreational Land
* Ranching and Farm Land Financing in Texas
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* Loans
Loans for all of your dreams
* All Loans
* Recreational Land
* Ranching and Farm Land Financing in Texas
* Rural Homes
* Operating Capital, Equipment, and Livestock
* Agribusiness
* New Generation Loans
* Banking
Making banking easy for you
* Banking
* Ag Banking Online (ABOL)
* Cash Management Services
* Mortgage, Life & Disability Insurance
* Learn
Find answers here
* Learn
* News
* Frequently Asked Questions
* Tutorials and Tips
* Loan Application
* Loan Calculator
* About
Get to know Lone Star
* About
* Governance
* Leadership
* Patronage
* Careers
* Our History
* Mission & Values
* The Farm Credit System
* Financial Reports
* Code of Ethics
* Customers
We're here for you.
* Customers
* Patronage Dividends
* Refer a Customer
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FINANCING…OUTSIDE THE CITY LIMITS
Merger with AGNM Loan Calculator
$26.0 MILLION IN PATRONAGE DIVIDENDS
We’re Giving Back to our Customer-Owners
Learn More
For more than 100 years, Lone Star Ag Credit has been at the forefront of
financing for rural Texas. Based in Fort Worth, Texas, we operate 15 offices
covering 48 counties, and have proudly maintained our values of independence,
strength, stability and service in meeting the financing needs of our customers.
When Lone Star Ag Credit was established in 1917, we primarily dealt in ranch
and farm land financing, and that is still a big part of our business! But you
don’t have to be a farmer to enjoy your piece of country life – today, we help
all sorts of people find their perfect piece of Texas and remain committed to
connecting our customers with the best land loans possible.
FRIENDS. FAMILY. FINANCING.
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Watch Video
MEET HANK DAWSON
Dawson Farms
Hank and Annie Dawson worked with Lone Star to finance their life outside the
city limits after they retired.
Watch Video
MEET BRENT NEUHAUS
Board Director and Customer-Owner
Lone Star Board Director and Customer Brent Neuhaus shares about Lone Star’s
culture: customer first and relationship-driven.
Watch Video
THE MOORE FAMILY’S SUCCESS STORY
Outside the City Limits for Generations to Come
The Moore Family worked with Lone Star Ag Credit when they decided they were
ready for life outside the city limits. They enjoy the fresh air and wide open…
Watch Video
MEET CODY HUGHES
Lone Star Ag Credit Board Member and West Texas Rancher
Cody Hughes, a fifth-generation farmer who financed his first 160 acres of
cropland through Lone Star Ag Credit in 2003, serves as an LSAC board member.
Watch Video
MEET TRACY DENNY
Detroit ISD Agricultural Science Teacher
Lone Star Ag Credit jumped in to help when veteran FFA advisor, Tracy Denny,
started a local community garden.
Watch Video
MEET JOSH RITCHEY
Lone Star Family Farm
The Ritchey family worked with Lone Star Ag Credit to start their pumpkin patch
in Stephenville, Texas.
Watch Video
MEET TONY BALLINGER
Cross B Cattle Company
“It’s more like dealing with a partner than dealing with a bank,” says Tony
Ballinger, first-generation rancher, and Lone Star Ag Credit Customer-Owner.
Watch Video
MEET JOHN PETERSON
Former PGA Golfer and Lone Star Ag Credit Customer-Owner
“I like to work with the land and if I can make the land better on my own
accord, I think it’s going to be better for my kids in the future.”
Watch Video
MEET HANK DAWSON
Dawson Farms
Hank and Annie Dawson worked with Lone Star to finance their life outside the
city limits after they retired.
Watch Video
MEET BRENT NEUHAUS
Board Director and Customer-Owner
Lone Star Board Director and Customer Brent Neuhaus shares about Lone Star’s
culture: customer first and relationship-driven.
Watch Video
THE MOORE FAMILY’S SUCCESS STORY
Outside the City Limits for Generations to Come
The Moore Family worked with Lone Star Ag Credit when they decided they were
ready for life outside the city limits. They enjoy the fresh air and wide open…
Watch Video
MEET CODY HUGHES
Lone Star Ag Credit Board Member and West Texas Rancher
Cody Hughes, a fifth-generation farmer who financed his first 160 acres of
cropland through Lone Star Ag Credit in 2003, serves as an LSAC board member.
Watch Video
MEET TRACY DENNY
Detroit ISD Agricultural Science Teacher
Lone Star Ag Credit jumped in to help when veteran FFA advisor, Tracy Denny,
started a local community garden.
Watch Video
MEET JOSH RITCHEY
Lone Star Family Farm
The Ritchey family worked with Lone Star Ag Credit to start their pumpkin patch
in Stephenville, Texas.
Watch Video
MEET TONY BALLINGER
Cross B Cattle Company
“It’s more like dealing with a partner than dealing with a bank,” says Tony
Ballinger, first-generation rancher, and Lone Star Ag Credit Customer-Owner.
Watch Video
MEET JOHN PETERSON
Former PGA Golfer and Lone Star Ag Credit Customer-Owner
“I like to work with the land and if I can make the land better on my own
accord, I think it’s going to be better for my kids in the future.”
Watch Video
MEET HANK DAWSON
Dawson Farms
Hank and Annie Dawson worked with Lone Star to finance their life outside the
city limits after they retired.
Watch Video
MEET BRENT NEUHAUS
Board Director and Customer-Owner
Lone Star Board Director and Customer Brent Neuhaus shares about Lone Star’s
culture: customer first and relationship-driven.
Watch Video
MEET HANK DAWSON
Dawson Farms
Hank and Annie Dawson worked with Lone Star to finance their life outside the
city limits after they retired.
Watch Video
MEET BRENT NEUHAUS
Board Director and Customer-Owner
Lone Star Board Director and Customer Brent Neuhaus shares about Lone Star’s
culture: customer first and relationship-driven.
Watch Video
THE MOORE FAMILY’S SUCCESS STORY
Outside the City Limits for Generations to Come
The Moore Family worked with Lone Star Ag Credit when they decided they were
ready for life outside the city limits. They enjoy the fresh air and wide open…
Watch Video
MEET CODY HUGHES
Lone Star Ag Credit Board Member and West Texas Rancher
Cody Hughes, a fifth-generation farmer who financed his first 160 acres of
cropland through Lone Star Ag Credit in 2003, serves as an LSAC board member.
Watch Video
MEET TRACY DENNY
Detroit ISD Agricultural Science Teacher
Lone Star Ag Credit jumped in to help when veteran FFA advisor, Tracy Denny,
started a local community garden.
Watch Video
MEET JOSH RITCHEY
Lone Star Family Farm
The Ritchey family worked with Lone Star Ag Credit to start their pumpkin patch
in Stephenville, Texas.
Watch Video
MEET TONY BALLINGER
Cross B Cattle Company
“It’s more like dealing with a partner than dealing with a bank,” says Tony
Ballinger, first-generation rancher, and Lone Star Ag Credit Customer-Owner.
Watch Video
MEET JOHN PETERSON
Former PGA Golfer and Lone Star Ag Credit Customer-Owner
“I like to work with the land and if I can make the land better on my own
accord, I think it’s going to be better for my kids in the future.”
Watch Video
MEET HANK DAWSON
Dawson Farms
Hank and Annie Dawson worked with Lone Star to finance their life outside the
city limits after they retired.
Watch Video
MEET BRENT NEUHAUS
Board Director and Customer-Owner
Lone Star Board Director and Customer Brent Neuhaus shares about Lone Star’s
culture: customer first and relationship-driven.
Watch Video
THE MOORE FAMILY’S SUCCESS STORY
Outside the City Limits for Generations to Come
The Moore Family worked with Lone Star Ag Credit when they decided they were
ready for life outside the city limits. They enjoy the fresh air and wide open…
Watch Video
MEET CODY HUGHES
Lone Star Ag Credit Board Member and West Texas Rancher
Cody Hughes, a fifth-generation farmer who financed his first 160 acres of
cropland through Lone Star Ag Credit in 2003, serves as an LSAC board member.
Watch Video
MEET TRACY DENNY
Detroit ISD Agricultural Science Teacher
Lone Star Ag Credit jumped in to help when veteran FFA advisor, Tracy Denny,
started a local community garden.
Watch Video
MEET JOSH RITCHEY
Lone Star Family Farm
The Ritchey family worked with Lone Star Ag Credit to start their pumpkin patch
in Stephenville, Texas.
Watch Video
MEET TONY BALLINGER
Cross B Cattle Company
“It’s more like dealing with a partner than dealing with a bank,” says Tony
Ballinger, first-generation rancher, and Lone Star Ag Credit Customer-Owner.
Watch Video
MEET JOHN PETERSON
Former PGA Golfer and Lone Star Ag Credit Customer-Owner
“I like to work with the land and if I can make the land better on my own
accord, I think it’s going to be better for my kids in the future.”
Watch Video
MEET HANK DAWSON
Dawson Farms
Hank and Annie Dawson worked with Lone Star to finance their life outside the
city limits after they retired.
Watch Video
MEET BRENT NEUHAUS
Board Director and Customer-Owner
Lone Star Board Director and Customer Brent Neuhaus shares about Lone Star’s
culture: customer first and relationship-driven.
WE ARE A CUSTOMER-OWNED TEXAS LAND FINANCING COMPANY
Most Texas land mortgage companies you see will aim to maximize their own
profits for their own benefit. Those profits flow into the hands of their
executives and stakeholders, and the customer rarely sees any of the benefits of
the business’s success.
But at Lone Star Ag Credit, our customers ARE our stakeholders. As a
customer-owned lending cooperative, our land loan borrowers aren’t just our
customers – they’re also our owners! That means when we do well, we pass that
benefit directly on to our customers in CASH.
Over the course of 10 years, Lone Star Ag Credit returned $165 million in
patronage dividends to our customer-owners, including a record $26.0 million in
2022 alone. That distribution effectively reduced the land mortgage interest
rate paid by our customers by 1.25% in 2022.
Plenty of Texas land financing companies say they’ll pass savings on to you.
Lone Star Ag Credit really does it, in cash, directly to our customers. Find out
more about our patronage program, and how we use it to truly put our customers
first like few land financing companies ever will.
WHAT DO WE OFFER LAND FINANCING FOR?
Are you an established farmer or a new generation? Looking for a place to live,
a place to make a living, or both? Or maybe you’re just looking for a raw land
loan so you can have a private place to hunt, fish, hike or explore.
In any of those cases, Lone Star Ag Credit is the right choice for your land
mortgage in Texas. Any of our 16 locations can help you in 48 Texas counties
with a variety of land financing purposes, including the following:
RANCHING AND RURAL PROPERTY FINANCING
We’ve been helping Texas farmers start and grow their businesses since 1917, and
we are proud to continue that tradition. We offer farm land financing for new
land acquisitions, but also for timberland purchases, real estate improvements
like barns and irrigation, and refinancing of debts for those types of
purchases.
We also provide New Generation Loans to help welcome in young, up-and-coming
agriculture professionals like Bryan Schneider with favorable interest rates and
reduced credit standards on farm land mortgages.
AGRIBUSINESS FINANCING
If your business is involved in products or services related to agriculture,
such as a grain elevator, lumber mill, feed store, large animal vet, and many
more, Lone Star Ag Credit wants to be your partner in success. We offer
agribusiness loans for land financing, business expansion, purchasing or
constructing facilities, and short-term loans for operating expenses.
RURAL HOME BUILDING AND LAND FINANCING
Everybody wants that solid foundation they can call home, and escaping the city
life to find a quiet corner out in the country is an appealing option. Whether
you’re looking to buy a single-family home, or you need lot financing and the
funds to build one yourself, Lone Star Ag Credit will help you find the perfect
piece of Texas to call home.
RECREATIONAL LAND FINANCING
Sometimes you don’t want to turn your land into anything else. Sometimes it’s
enough just to have a piece of nature to call your own, where you can hunt,
fish, hike, ride ATVs, or just breathe in the fresh country air and relax. Lone
Star Ag Credit is the right choice for raw land loans to help you find the
perfect spot for your idea of a good time.
OPERATING CAPITAL, EQUIPMENT, AND LIVESTOCK
Lone Star Ag Credit has been around the Texas agriculture industry through thick
and thin, and we know all about the risk involved with running an agricultural
business. That’s why we offer loans and lines of credit that make it easier for
you to grow your business with short and intermediate-term loans to cover
everything from new purchases to refinancing old ones.
WHY CHOOSE LONE STAR FOR YOUR LAND FINANCING?
Lone Star Ag Financing is committed to supporting Texas farmers, ranchers, and
just people who want a piece of country living for any reason.
For over 100 years, we’ve stayed true to our mission and values. We keep our
rates competitive, we commit to the success of our borrowers, and we pay our
successes back to our customers.
If you haven’t heard enough yet, contact us to learn more about how we can help
you start or grow your home or business, and enrich your life.
PATRONAGE DIVIDENDS
We’re pleased to distribute $26.0 million in patronage dividends to eligible
customer-owners based on our 2022 net income.
$26.0 Million
patronage distributions on 2022 earnings, the largest distribution in Lone
Star’s history
$165 Million
total distribution returned to borrowers in 10 years
1.25%
reduction of the effective interest rate paid by borrowers in 2022
15
offices covering 48 counties throughout north and central Texas
FINANCING FOR:
From rural land to ranch loans,
our financing solutions bring your vision to life.
NEW GENERATION
Loans for young, beginning or small
RECREATIONAL REAL ESTATE
OUTSIDE THE CITY LIMITS
Loans to finance your place in the country.
Learn More
AGRIBUSINESS
Loans to expand your dreams.
OPERATING CAPITAL, EQUIPMENT AND LIVESTOCK
FARMING AND RANCHING
Loans to grow your future.
Learn More
Previous Slide
Our Impact
> Thank you so much for the professionalism and the advice you and your team
> showed to me during this process. I look forward to working with you and Lone
> Star Ag Credit in the future.
>
> Jack N.
> Customer-owner
> Amazing experience! They helped us every step of the way. Highly recommend
> them!
>
> Mallory R.
> Customer-owner
> Outstanding place to receive hometown quality and service. The once young man
> who was our loan officer when we purchased our land in 2007 is now one of the
> vice presidents, and I can still call him with questions. The other
> professionals there are also super-responsive when I call about the best time
> to refinance, etc. One of the best lending agencies I have ever dealt with.
>
> Cindy F.
> Customer-owner
> I love my bank and banker. They are always good to me and they are more than
> fair, responsible and caring. They respond promptly. I definitely recommend
> them to you.
>
> Barry S.
> Customer-owner
> Lone Star Ag Credit knows how to get it done. Very nice, professional and
> willing to answer your questions. One of the only companies that I know of
> that can make deals on raw land.
>
> Kevin B.
> Customer-owner
> I know I can count on Lone Star Ag Credit anytime we need something. It’s a
> very personal business relationship.
>
> Karen D.
> Customer-owner
> Macy Blankenship is a Rock Star. I had started dealing with her on another
> land deal that ended up being not the right one for me. Without a flinch Macy
> advised me how I could preserve the approval I had and could apply it to the
> property that suited my needs without having to complete start the application
> process over. Friendly, knowledgeable, professional and a good communicator.
>
> Carlos G.
> Customer-owner
> Absolutely terrific experience with Jennifer White. Jennifer is the very
> definition of outstanding customer service. It was a joy working with her.
> This was one of the smoothest property buying experience I ever had. Thank you
> Jennifer.
>
> George G.
> Customer-owner
> We were referred to Lone Star AG for our land purchase. The entire process was
> seamless! Jennifer and Makayla were responsive and helpful. Our overall
> experience was very positive. Thank you for helping us through this major
> milestone in our lives!!
>
> Mark and Jessi
> Customer-owners
> Macy Blankenship and the team at Lone Star Ag Credit were a delight to work
> with on a recent land purchase. They stayed on top of the process, keeping
> things moving, and closing was a breeze! We appreciate their professionalism
> and expertise. Thank you Team Lone Star!
>
> Linda F.
> Customer-owner
> Everyone we spoke and worked with is extremely friendly, helpful, and
> knowledgeable. I highly recommend Lone Star Ag Credit.
>
> Jeff D.
> Customer-owner
> Lone Star Ag credit did an exceptional job on the purchase of our property!
> Communication was always top notch, and the process was seamless!
>
> Leslie M.
> Customer-owner
> Hannah and Megan took care of us every step of the way. Made the process of
> buying our dream property so simple.
>
> Curtis W.
> Customer-owner
> Lone Star Ag was such an easy and quick process but also very thorough! I
> would highly recommend them to anyone. We are glad to be a part of Lone Star
> Ag!
>
> Melinda K.
> Customer-owner
> We highly recommend Lone Star for farm and ranch loans. We’ve always enjoyed
> working with them.
>
> Todd E.
> Customer-owner
> Justin and Courtney were amazing and made the process as simple as could be.
> Fast at responding to our million questions and concerns. Couldn’t have asked
> for a better company!
>
> Holley G.
> Customer-owner
> Great experience to work with a team that builds life long relationships!
>
> Cheryl D.
> Customer-owner
> Very Positive environment, great experience, simple processing. Over all I am
> very much satisfied with Lone Star Ag Credit”
>
> Ravi P.
> Customer-owner
> I was recommended to look into Lone Star Ag by my realtor. She had never
> worked directly with the Stephenville office, but with the company as a whole,
> she had good experiences. The process was painless! I got pre-approved easily,
> and then the loan application was simple enough to fill out. I worked with
> Gerrit and Kristina, both made the experience a truly pleasant. Gerrit
> answered all of my random questions, and Kristina made sure I signed all the
> paperwork and provided what was required so we didn’t have any back and forth
> after I dropped off the documentation. Thank you so much! We’re so happy to be
> working with Lone Star Ag!
>
> Amanda C.
> Customer-owner
> Friendly. Easy transaction and quick processing. Will work with them again!
>
> TG E.
> Customer-owner
> Very efficient and professional. Lone Star has mastered this process.
>
> Gregg C.
> Customer-owner
> Thank you so much for the professionalism and the advice you and your team
> showed to me during this process. I look forward to working with you and Lone
> Star Ag Credit in the future.
>
> Jack N.
> Customer-owner
> Amazing experience! They helped us every step of the way. Highly recommend
> them!
>
> Mallory R.
> Customer-owner
> Outstanding place to receive hometown quality and service. The once young man
> who was our loan officer when we purchased our land in 2007 is now one of the
> vice presidents, and I can still call him with questions. The other
> professionals there are also super-responsive when I call about the best time
> to refinance, etc. One of the best lending agencies I have ever dealt with.
>
> Cindy F.
> Customer-owner
> I love my bank and banker. They are always good to me and they are more than
> fair, responsible and caring. They respond promptly. I definitely recommend
> them to you.
>
> Barry S.
> Customer-owner
> Lone Star Ag Credit knows how to get it done. Very nice, professional and
> willing to answer your questions. One of the only companies that I know of
> that can make deals on raw land.
>
> Kevin B.
> Customer-owner
> I know I can count on Lone Star Ag Credit anytime we need something. It’s a
> very personal business relationship.
>
> Karen D.
> Customer-owner
> Macy Blankenship is a Rock Star. I had started dealing with her on another
> land deal that ended up being not the right one for me. Without a flinch Macy
> advised me how I could preserve the approval I had and could apply it to the
> property that suited my needs without having to complete start the application
> process over. Friendly, knowledgeable, professional and a good communicator.
>
> Carlos G.
> Customer-owner
> Absolutely terrific experience with Jennifer White. Jennifer is the very
> definition of outstanding customer service. It was a joy working with her.
> This was one of the smoothest property buying experience I ever had. Thank you
> Jennifer.
>
> George G.
> Customer-owner
> We were referred to Lone Star AG for our land purchase. The entire process was
> seamless! Jennifer and Makayla were responsive and helpful. Our overall
> experience was very positive. Thank you for helping us through this major
> milestone in our lives!!
>
> Mark and Jessi
> Customer-owners
> Macy Blankenship and the team at Lone Star Ag Credit were a delight to work
> with on a recent land purchase. They stayed on top of the process, keeping
> things moving, and closing was a breeze! We appreciate their professionalism
> and expertise. Thank you Team Lone Star!
>
> Linda F.
> Customer-owner
> Everyone we spoke and worked with is extremely friendly, helpful, and
> knowledgeable. I highly recommend Lone Star Ag Credit.
>
> Jeff D.
> Customer-owner
> Lone Star Ag credit did an exceptional job on the purchase of our property!
> Communication was always top notch, and the process was seamless!
>
> Leslie M.
> Customer-owner
> Hannah and Megan took care of us every step of the way. Made the process of
> buying our dream property so simple.
>
> Curtis W.
> Customer-owner
> Lone Star Ag was such an easy and quick process but also very thorough! I
> would highly recommend them to anyone. We are glad to be a part of Lone Star
> Ag!
>
> Melinda K.
> Customer-owner
> We highly recommend Lone Star for farm and ranch loans. We’ve always enjoyed
> working with them.
>
> Todd E.
> Customer-owner
> Justin and Courtney were amazing and made the process as simple as could be.
> Fast at responding to our million questions and concerns. Couldn’t have asked
> for a better company!
>
> Holley G.
> Customer-owner
> Great experience to work with a team that builds life long relationships!
>
> Cheryl D.
> Customer-owner
> Very Positive environment, great experience, simple processing. Over all I am
> very much satisfied with Lone Star Ag Credit”
>
> Ravi P.
> Customer-owner
> I was recommended to look into Lone Star Ag by my realtor. She had never
> worked directly with the Stephenville office, but with the company as a whole,
> she had good experiences. The process was painless! I got pre-approved easily,
> and then the loan application was simple enough to fill out. I worked with
> Gerrit and Kristina, both made the experience a truly pleasant. Gerrit
> answered all of my random questions, and Kristina made sure I signed all the
> paperwork and provided what was required so we didn’t have any back and forth
> after I dropped off the documentation. Thank you so much! We’re so happy to be
> working with Lone Star Ag!
>
> Amanda C.
> Customer-owner
> Friendly. Easy transaction and quick processing. Will work with them again!
>
> TG E.
> Customer-owner
> Very efficient and professional. Lone Star has mastered this process.
>
> Gregg C.
> Customer-owner
> Thank you so much for the professionalism and the advice you and your team
> showed to me during this process. I look forward to working with you and Lone
> Star Ag Credit in the future.
>
> Jack N.
> Customer-owner
Next Slide
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