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Agricultural Wholesale Mortgage Lender

United Ag Lending

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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 variety of lending programs are suited to the needs of agribusiness landowners, hobby farmers, and those who want to purchase land for recreational use. If you’re looking to provide loans to clients in the agricultural sector, it’s time to partner with United Ag Lending.

Farm Loans
Land Loans
Hobby Farm
Rural Residential

Unite Your Clients with More Possibilities

Agricultural lending is a specialized service that not many brokers 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.

Does United Ag Lending only work with farmers?
No! United Ag Lending has several different loan programs to fit many different scenarios. We can finance homes with land, bare land, and full-time farm loans. So if you have a client looking for country-style living with a home and acreage that they can farm, or if they just want to live outside the city, our programs can help. If they have bare land for future farming, we can help you! If they’re a full-time farmer with a dairy farm, vineyard, poultry farm, tree farm, avocado farm, and many others, we can also help.
What types of loan programs are available?
No two pieces of land or client circumstances are the same. We evaluate the specific scenario to match clients with the perfect loan program for their needs. Our team of trusted advisors uses our expertise and years of experience to create customized loan solutions. 

At United Ag Lending, we offer many different loan programs to fit our clients’ goals, from a minimum of 5 acres of bare land and up, to full-time farms, and even for those who want home and land going up to 160 acres or more.

Is there a minimum credit score requirement?
Yes, we have a minimum credit score requirement of 680. However, on our land and agriculture farm loans, we only require a 680 credit score from one of the three credit bureaus that report it. To learn more about our credit score requirements, talk to one of our experts today.
How long are your terms for financing land?
We can finance land and farm loans up to 30 years fixed-rate with no early payoff penalty. We also offer many other loan terms, including ARMs, to fit your goals and financing needs.
Do you offer loans that combine multiple parcels of land?
Yes, we can finance multiple parcels of land together, whether they are contiguous or not. This can be done through our commercial farm loan program, our hobby farm loan program, or our rural residential loan program.
Does United Ag Lending provide loans for construction, operations, equipment, or livestock?
No. We are a farm loan provider that focuses on land and pre-existing homes. We don’t offer loans for construction, farming operations, equipment, or livestock.
GET MORE ANSWERS 

Commercial Agriculture and 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 Loans

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.

Hobby farms

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.

Rural Residential

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.

Get Started

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

From our Customers

Justin From Missouri

United Ag Lending and the entire team were awesome. We were under some tight deadlines and we had our fair share of implements in our way to achieve our close date. But United Ag was in constant communication every step of the way. I probably wouldn’t be writing this review from my new home had I work with another lender. I wish I could give more than 5 stars on this rating.

Justin From Missouri

United Ag Lending and the entire team were awesome. We were under some tight deadlines and we had our fair share of implements in our way to achieve our close date. But United Ag was in constant communication every step of the way. I probably wouldn’t be writing this review from my new home had I work with another lender. I wish I could give more than 5 stars on this rating.

Renei From Washington

I cannot stress enough the ease and reassurance of working with the team at United Ag Lending. I have worked with them on both a purchase and, more recently, a refinance, and I am very confident in recommending them. My United Ag rep was able to help simplify issues for my 63yr old ranching father who struggles with technology, but also keep the process simple and streamlined for us in both the purchase and the refinance. I highly recommend and often do, the United Ag Lending team for any land loan needs.

Renei From Washington

I cannot stress enough the ease and reassurance of working with the team at United Ag Lending. I have worked with them on both a purchase and, more recently, a refinance, and I am very confident in recommending them. My United Ag rep was able to help simplify issues for my 63yr old ranching father who struggles with technology, but also keep the process simple and streamlined for us in both the purchase and the refinance. I highly recommend and often do, Anthony Mesh and his team for any land loan needs.

Ben From Kansas

Everyone at United Ag were great to work with in making our first ag purchase. Everything was completely explained and all our questions were answered in a timely and professional manner. We were very comfortable and pleased while working through our purchase.

Ben From Kansas

Everyone at United Ag were great to work with in making our first ag purchase. Everything was completely explained and all our questions were answered in a timely and professional manner. We were very comfortable and pleased while working through our purchase.