Texas Land, Farm & Ranch Loan Information
Please note: Longhorn Realty is not a lender. This is simply a land related article featuring Capital Farm Credit. Contact Capital Farm Credit directly or follow the link below to view all our land lender referrals: Lender Referral Link
Texas Ranch and Land Loans
Capital Farm Credit has provided financing to Texas farmers, ranchers, rural property owners and agribusinesses for over 104 years as part of the Farm Credit System.
They’re a member-owned cooperative with a deep understanding of agriculture. This enables them to understand industry sectors they finance and provide an unparalleled level of knowledge and service.
Capital Farm Credit provides approximately $8.3 billion in loans. This capital helps about 22,900 members succeed and grow.
They’re the largest Farm Credit association in Texas and one of the largest in the United States. Headquartered in Bryan, Texas, Capital Farm Credit has offices across the state chartered to serve 192 of Texas’ 254 counties.
- Rural Land
- Farms & Ranches Livestock & Equipment Operating Capital Improvements
- Crop Insurance
- Real Estate Appraisal
Capital Farm Credit is a cooperative, meaning their borrowers are also owners and share in our profits. A portion of profits are returned through our patronage dividend program, with benefits that include:
- A return of your share of the earnings
- Reduction of your borrowing cost
- Allocated equities recorded in your name for future disbursement consideration
How does it work?
Capital Farm Credit’s board of directors annually reviews the financial health of the cooperative and decides how profits are returned — whether as cash or as allocated equity.
A portion is distributed to eligible borrowers as cash in the spring. The remainder is reinvested back into the cooperative in what is call allocated equities accounts. As conditions allow, our board of directors will elect to return a portion of these accounts each year, usually in the fall.
How much can you receive?
Your share of the cooperative return is based on your contributions to the earnings of the association. Since 2006, Capital Farm Credit’s combined cash returned and allocated equities for members, through our patronage dividend program, is more than $1.75 billion.