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Our Customer-Owners, Our Neighbors,
Our Communities

At Lone Star Ag Credit, our customers are more than just people we do business with, they’re also our friends, family and neighbors. We live, work, farm and ranch, play, go to church and volunteer in the communities we serve. That’s why we’re passionate about agriculture and the rural lifestyle. And, because we’re a customer-owned lending cooperative, our borrowers are also our owners and stockholders.

Financing Options for Borrowers

Patronage: Sharing Our Earnings with our Customers

One of the benefits of being a borrower-owner is that customers have the opportunity to share in our earnings. Part of our mission and tradition is the paying of a patronage dividend. Every year, Lone Star Ag Credit’s board of directors reviews the Association’s financial health and determines our ability to pay a cash dividend to eligible stockholders through our patronage program – typically in the spring. Other remaining earnings are retained as capital to keep our Association strong for the future.

Patronage Dividends

We’re pleased to announce our 2020 patronage distribution to eligible customer-owners this spring.

$22 Million

in patronage distributions on 2020 earnings, one of the largest distributions in Lone Star’s history

$163.5 Million

total distribution returned to borrowers since 2000


reduction of the effective interest rate paid by borrowers in 2020


offices covering 48 counties throughout north and central Texas

Sharing our Stories

Lone Star Ag Credit thrives on relationships. The people we serve, the team members who work here and the communities we help to thrive are who matter the most to us. And each loan we finance serves a different purpose, whether it’s to expand the 150-year old family farm, purchase that home in the country, fund this year’s operations or buy that retirement home and vineyard (see the DeBerry’s Torr Na Lochs story!) That’s why we love to share our stories. Check out the videos and posts below to hear from our customers, employees, directors and some of the organizations and individuals we support through our community outreach.

We Are Lone Star

Our Impact

I have done business with Macy Blankenship at Lone Star Ag Credit for more than a decade with multiple land purchases and have always had fantastic personal service with great rates and terms as well as re-finance and loan changes to improve my terms. Macy and Lone Star are always there for me and the success of my ranches. Thanks for your great service.

Steve T.
Customer, Lampasas office

My wife and I were recently blessed with an opportunity to purchase a beautiful piece of property to use as a weekend home and a place to experience the beauty of God’s creation with friends and family. We had zero experience with agricultural loans but Adam Ledlow and the team at Lone Star Ag Credit did a wonderful job of explaining our options. We also hear from Adam on a regular basis and find that he is readily available to answer any questions we might have.

Brad and Brandy G.
Customers, Waco office

We had the pleasure of working with James when we refinanced our home and ranch. Later he also helped us with a rate conversion when rates dropped again. He was very knowledgeable and easy to work with, and he kept us informed throughout the process. When we called with questions, he either answered his own phone or promptly called us back. Both of our transactions went quickly and without a hitch. We had never done business with Lone Star Ag Credit before, but we’re loyal customers now!

Robin S. & Mike B.
Customers, Sherman office

I love working with Lone Star because y’all understand where I am trying to go.

Kip S.
Customer, Paris office

Being with Lone Star gives us the financial freedom to execute our vision. They understand the ag community better than a commercial bank.

Hamish H.
Customer, Paris office

Jennifer White helped my wife and I through the loan process from start to finish. We will never use anyone else for any future loan needs after the wonderful experience and knowledge she provided.

Brandon & Casey B.
Customers, Lampasas office

It’s been a great experience with Patrick and his team at Lone Star. They got me through my loan process quickly and effectively and I recommend them to anyone for their ag loan needs.

Brian & Lauren S.
Customers, Hillsboro office

When we needed to take our business to the next level, we wanted to work with people who truly know the farm and agriculture business. Aaron Nors and Lone Star Ag Credit are just that. Aaron takes the time to find the best options for our operation, taking into account our goals for the future. We consider Lone Star and Aaron partners in our business, and look to them as a valuable resource for our growth.We are extremely satisfied with our experience with Lone Star Ag Credit.

Kevin & Sara Y.
Customers, Waco office

Ya’ll have been so good to us. We feel truly blessed and excited to have found our forever home.

Ric S.
Customer, Georgetown office

Great experience with Walker Dailey and Lone Star Ag Credit. Painless process to get loan approved and funded, plus great rates! Walker took time to explain the details to us and kept us in the loop throughout the process. Highly recommend!

Karen G.
Customer, Denton office

Craig Cheyne has been an excellent source of knowledge and integrity throughout my partnership with Lone Star Ag Credit. I look forward to expanding my personal enterprises with Lone Star Ag Credit backed by his guidance and support.

Brayden H.
Customer, Cleburne office

It has been a pleasure to work with Kyle Felan in securing my loans with Lone Star Ag Credit. Kyle has worked tirelessly and persistently through complex business situations to achieve success in securing the best results for me, as a customer. Seldom does a man find such honest, sincere qualities that Kyle embodies, in today’s business world.

George H.
Customer, Abilene office

Top notch to work with. Couldn’t be happier with the way my loan turned out. Highly recommended.

Trey M.
Customer, Denton office

They are excellent in everything in the process. Macy is awesome!

Matt P.
Customer, Lampasas office