Texas FSA Service Centers
Texas has 177 USDA Farm Service Agency county offices — more than any other state. Contact your local office to begin a Direct Farm Loan application. Processing times average 60 days for Direct loans and 30 days for Guaranteed loans.
The Texas Agriculture Finance Authority provides loan guarantees up to 90% of principal on loans up to $1 million, administered through participating Texas lenders. TAFA guarantees are particularly useful for smaller and beginning farmer operations accessing commercial credit. Learn more at tda.texas.gov →
Best Farm Lenders for Texas Farmers
Rates current as of May 2026. Lender availability confirmed for Texas.
Farm Lenders — Texas
5 lenders · Sorted by editorial rating| # | Lender | Loan Type | Rate Range | Max Loan | TX Presence | |
|---|---|---|---|---|---|---|
| 1 |
Farm Credit Bank of Texas
4.8 ★ · Best for TX land & livestock loans
|
Land, Operating, Livestock | 5.85%–9.25% | $50M+ | ✓ Texas | Apply → |
| 2 |
National Funding
4.6 ★ · Best for working capital
|
Operating, Equipment | 7.00%–24.00% | $500,000 | ✓ Texas | Apply → |
| 3 |
Fora Financial
4.4 ★ · Fast funding for operations
|
Operating, Equipment | 7.00%–35.00% | $1,500,000 | ✓ Texas | Apply → |
| 4 |
Lendio
4.3 ★ · Marketplace — compare multiple lenders
|
Operating, Equipment, Land | Varies | $5,000,000 | ✓ Texas | Apply → |
| — |
USDA FSA Direct Loans
Government program · No affiliate relationship with USDA
|
Land, Operating, Emergency | 4.75%–5.50% | $600,000 | 177 TX Offices | Learn More → |
Texas Farmland Loan Market: What to Know in 2026
Texas farmland values vary enormously across the state's 130 million acres. The statewide average of $3,100 per acre masks extreme regional variation — productive dryland cotton in the Panhandle runs $1,500–$2,500 per acre, while irrigated corn ground in the southern Panhandle can reach $4,000–$6,000 per acre. Hill Country ranch land used for cattle and wildlife operations trades in a completely different market than row crop ground.
Farm Credit Bank of Texas (serving TX, LA, MS, AL, and NM) is the primary Farm Credit institution in the state, providing long-term fixed and variable rate land loans for the full range of Texas agricultural operations. The state's 177 FSA county offices — the most of any state — reflect the scale of Texas agriculture and provide meaningful access to government-backed credit in even the most rural counties.
Texas-Specific Underwriting Considerations
Lenders in Texas underwrite agricultural land at varying LTV ratios depending on use type — irrigated cropland typically qualifies at 70–75% LTV, while rangeland and pasture may be underwritten at 55–65% LTV. The TAFA guarantee is particularly useful for beginning farmers and smaller operations that need commercial credit but haven't yet built the equity base to qualify on their own.
Texas Farm Loan Application Checklist
Gather these documents before contacting lenders to speed up the underwriting process.
- 3 years federal tax returns (Schedule F for farm income)
- Current balance sheet (assets, liabilities, net worth)
- Current year cash flow projection and livestock inventory records (if applicable)
- Legal description and most recent appraisal of property (if land purchase)
- FSA farm records (farm number, crop history) from your county FSA office
- Government-issued ID and Social Security number for credit pull
- Existing loan statements (equipment notes, operating lines, land mortgages)