Agricultural Wholesale Mortgage Lender

Serving Brokers, Lenders,
and Banks

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Providing specialized products for brokers, banks, and mortgage lenders.

United Ag Lending is a full-service agricultural wholesale lender that specializes in offering solutions to loan officers who have clients needing agricultural loans. We work with brokers and lenders looking to expand their portfolio offerings.

The agricultural industry is unique and requires loan programs that flex to meet the needs of your clients. Working with United Ag Lending allows brokers and lenders to offer a robust agricultural loan program that accommodates clients seeking properties of all sizes and shapes.

Our Programs

Commercial Farm Loans
Farm & Ranch Loans
Grove, Orchard, & Vineyard Loans
Hobby Farms
Barndominium / Shed Homes
Equestrian Properties
Rural Manufactured Properties

Unite Your Clients with More Possibilities

Agricultural lending is a specialized service that not many brokers and lenders have the ability to offer their clients.

Working with United Ag Lending allows you to expand your offerings and capture clients you might otherwise not be able to work with by having a specialized farm loan provider on your team.

You need a wholesale agricultural lender that understands what your client needs and has the experience to get your loans closed. Our financing programs are flexible to meet the needs of multiple types of clients with a variety of hobby farm loans, rural residential loans, and full-time farm loans.

Rural property financing and helping your customers achieve their long-term goals is what motivates us at United Ag Lending. Whether your client is at the beginning of their agricultural journey or somewhere in the middle, United Ag Lending provides financing to meet them where they’re at.

Frequently Asked Questions

Applying for farm loans of any kind can feel overwhelming. But it doesn’t have to be. Get insight into some industry terms with our glossary or get answers to some frequently asked questions below.

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See What Our Clients Have to Say

This deal was a tough one. A few other lenders tried to make it work but couldn’t, mostly because the property type made things more complicated than expected. What I appreciated about your team was how you didn’t overcomplicate things—you stayed persistent, got creative, and gave…

Art, CA Loan Officer

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I was in a pickle trying to figure out how to help a client buy a house on 70+ acre rural property. I searched high and low and got many "maybe's” from Account Executives. I was referred to Kent and United Ag by Allison Thenhaus, and…

Diana, CA Loan Officer

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United Ag Lending is top tier! We submitted a loan on 1/2 and received clear to close on 1/15. Shay was very helpful during the process communicating and making sure our file ran smoothly. We did not have a lot of experience closing agricultural loans, however…

Hallie

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I worked with Kent and his team on a purchase with acreage and could not have had a better experience. His team was always responsive, and they answered all my questions quickly. The loan was smooth sailing, and we were ready to close early. The Realtors…

Ann

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My experience with Kent Hackman at United Ag Lending was absolutely awesome! Kent helped guide me and my Assistant through their process and answered my many questions along the way. He helped me look good in front of my clients during my first Ag loan. The…

Constance

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The process is quick and easy. Answer a few quick questions and we’ll determine which loan program is perfect for your client!

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Commercial Agriculture & Farm Loans

We say it all the time: no two farming operations are the same, so no two commercial farm loans should be the same. As a farm loan provider, we finance all kinds of industries, such as dairy farms, nurseries, vineyards, orchards, equestrian properties, commercial crops like wheat and cotton—the list goes on. Our commercial farm loans are designed to support your clients with farming business goals.

Our commercial farm loans are great for your clients:

  • Looking to buy additional land to expand their operation
  • Who want to increase their farm capital
  • Who need to consolidate other agricultural loans

With a variety of commercial farm loans to choose from—including 30-year fixed-rate loans, adjustable-rate loans, cross-collateralization, and more—you can offer your clients a loan that meets their financial needs for expanding their business.

Requirements checklist:

  • Minimum loan amount of $500K
  • 680 minimum credit score
  • Property is 10+ acres
  • Learn more about the commercial farm loan program.

Commercial Agriculture & Farm Loans

We say it all the time: no two farming operations are the same, so no two commercial farm loans should be the same. As a farm loan provider, we finance all kinds of industries, such as dairy farms, nurseries, vineyards, orchards, equestrian properties, commercial crops like wheat and cotton—the list goes on. Our commercial farm loans are designed to support your clients with farming business goals.

Our commercial farm loans are great for your clients:

  • Looking to buy additional land to expand their operation
  • Who want to increase their farm capital
  • Who need to consolidate other agricultural loans

With a variety of commercial farm loans to choose from—including 30-year fixed-rate loans, adjustable-rate loans, cross-collateralization, and more—you can offer your clients a loan that meets their financial needs for expanding their business.

Requirements checklist:

  • Minimum loan amount of $500K
  • 680 minimum credit score
  • Property is 10+ acres
  • Learn more about the commercial farm loan program.

United Ag Lending’s commercial farm loans are flexible and have the capacity to meet a wide range of agricultural needs. This is something we’re proud to offer your clients across the country.

If you need a certain number of acres or specific geographical amenities, our commercial farm and agriculture loans can help you find the right solution.

Some benefits of our commercial farm loans include:

  • Loans targeting different industries like crop farming, logging and forestry, nurseries, orchards, vineyards, dairies, ranches, cattle, and more
  • Fixed-rate and adjustable loans up to 30 years with no prepayment penalty Monthly, quarterly, semi-annual, or annual payment options

Land Loans

Getting a farm land loan can be a tricky process, but it doesn’t have to feel impossible. Working with United Ag Lending, you’ll know exactly what you need to help your clients secure their land.

When providing land financing, the key characteristics to look at include land use and the location. You’ll need to know what the plans for the land are and ensure that it’s located in a rural area.

We are often asked: does the land have to be used commercially? The answer is no—commercial farm loans are a lot of what we do, but the land can be used for non-money-making purposes as well.

Requirements checklist:

  • Property is agricultural in nature
  • Property is a minimum of 10 acres
  • Your credit score is 680+

Hobby Farm Loans

Getting a farm land loan can be a tricky process, but it doesn’t have to feel impossible. Working with United Ag Lending, you’ll know exactly what you need to help your clients secure their land.

When providing land financing, the key characteristics to look at include land use and the location. You’ll need to know what the plans for the land are and ensure that it’s located in a rural area.

We are often asked: does the land have to be used commercially? The answer is no—commercial farm loans are a lot of what we do, but the land can be used for non-money-making purposes as well.

Requirements checklist:

  • Property is agricultural in nature
  • Property is a minimum of 5 acres
  • 680 minimum credit score
  • Land has a pre-existing home on it, serving as your primary or secondary residence
  • Learn more about the hobby farm loan program.

Working with United Ag Lending for hobby farm loans can benefit your clients with the following highlights:

  • Dwellings with up to 160 acres with more acreage allowed on a case-by-case basis
  • Loans can be offered up to $2 million with Schedule F (Farm) income allowed
  • Land value can exceed 30% of appraised value, which is something that other lenders don’t allow
  • 50 heads of livestock or less are acceptable on the land

To learn more about what our hobby farm loans focus on, take a look at our program highlights or speak to a member of our team!

Rural Residential Loans

Our rural residential program is designed for your clients looking to make their dream of living in the country a reality. Regardless of whether they’re a first-time rural home buyer or have lived in the country their whole life, our rural loan programs can extend to meet any rural residential needs!

With an emphasis on rural residential properties, we’ve tailored this program specifically for non-commercial use.

The benefits of living the country lifestyle are nearly endless, and we’re excited to help your clients experience those benefits at United Ag Lending.

Requirements checklist:

  • Property is in a rural area
  • Property is a minimum of 5 acres
  • 680 minimum credit score
  • Land has a pre-existing home on it, serving as your primary or secondary residence
  • Learn more about the rural home loans program.

Our rural residential program benefits can include:

  • Fixed-rate 15- and 30-year loans with low rates available
  • Agricultural properties allowed but not required
  • Purchase, refinance, and cash out loans offered for qualified applicants
  • Owner-occupied and second homes allowed
  • Barndominiums, shed homes and shop homes allowed
  • 5 to 160 acres (home value only required to be at least 30% of overall value)
  • Homes with pasture land and tillable acreage
  • Schedule F (Farm) income allowed

If you’d like to explore our commercial property loans instead, we have a competitive commercial program as well.