Land Financing & Ranch Loans | AgTrust Farm Credit

Jack & James Caldwell of Caldwell Ranch

From the first parcel in 1954 to today’s diverse ranching operation, the Caldwell family continues to honor the land and each other through every season.

Jack and James Caldwell Story

Patronage Information

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Financing Options

Rural life is best lived when you can embrace all the opportunities it offers. Our financing solutions bring your vision to life.

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Sunrise in a field with cattle and a small pond

Farm, Ranch and Recreational Real Estate

Acquire rural properties like large acreage tracts, ranches, farms, or a place to enjoy the great outdoors.

Farm and Ranch Operations

Construction

Equipment

Agribusiness

Country Homes

Young, Beginning, Small Farmer or Rancher Loans

Patronage Dividends

As a customer-owned financing cooperative, our 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.

Our Patronage Program

$32.3M

patronage distributions on 2024 earnings, record distribution for AgTrust

$204.8M

total distribution returned to borrowers in 10 years

1.31%

average reduction of the effective interest rate paid by borrowers in 2024

offices covering 81 counties throughout Texas and New Mexico

We have worked with AgTrust Farm Credit for years and continue to have a great experience. Thomas Bugner and his team were very professional and knowledgeable and I would highly recommend this company to anyone needing lending assistance for farm and ranch.

Betsy W., Customer-owner

Getting a loan from AgTrust Farm Credit was easier than I expected. Amanda and Aaron did a great job explaining everything to me and answering all my questions. I felt I could trust both of them and look forward to a good working relationship with both of them. I wouldn’t hesitate getting another…

Ronnie S., Customer-owner

This was the easiest land purchase I have ever made. They remove all of the anxiety and doubt from such a milestone life event.

David H., Customer-owner

Working with AgTrust on our land purchase was the smoothest property acquisition process we have ever experienced. Our loan officer Adam was accessible to answer any questions we had through every phase and there were no surprises or unexpected delays. We will certainly be doing business with…

Joshua A., Customer-owner

The folks in the Corsicana office are great about answering all of our questions and take care of our needs every time! Their dedication to us as customers as well as the entire community is exceptional! We’ve recommended them to several friends and family members!

Melissa N., Customer-owner

We have worked with AgTrust Farm Credit for years and continue to have a great experience. Thomas Bugner and his team were very professional and knowledgeable and I would highly recommend this company to anyone needing lending assistance for farm and ranch.

Betsy W., Customer-owner

Getting a loan from AgTrust Farm Credit was easier than I expected. Amanda and Aaron did a great job explaining everything to me and answering all my questions. I felt I could trust both of them and look forward to a good working relationship with both of them. I wouldn’t hesitate getting another…

Ronnie S., Customer-owner

Working with AgTrust on our land purchase was the smoothest property acquisition process we have ever experienced. Our loan officer Adam was accessible to answer any questions we had through every phase and there were no surprises or unexpected delays. We will certainly be doing business with…

Joshua A., Customer-owner

The folks in the Corsicana office are great about answering all of our questions and take care of our needs every time! Their dedication to us as customers as well as the entire community is exceptional! We’ve recommended them to several friends and family members!

Melissa N., Customer-owner

We have worked with AgTrust Farm Credit for years and continue to have a great experience. Thomas Bugner and his team were very professional and knowledgeable and I would highly recommend this company to anyone needing lending assistance for farm and ranch.

Betsy W., Customer-owner

Getting a loan from AgTrust Farm Credit was easier than I expected. Amanda and Aaron did a great job explaining everything to me and answering all my questions. I felt I could trust both of them and look forward to a good working relationship with both of them. I wouldn’t hesitate getting another…

Ronnie S., Customer-owner