American AgCredit
American AgCredit is a Farm Credit System financial cooperative, founded in 1916, providing agricultural loans, leasing, federal crop insurance, and capital markets services to farmers, ranchers, and agribusinesses across seven western U.S. states and nationwide via its capital markets division.
- Company typePrivate
- Founded1916
- HeadquartersMobile, United States
- Headcount251–500
- GTM typeB2B
- OfferingServices
What American AgCredit does
American AgCredit is a borrower-owned financial cooperative chartered through the Farm Credit System and operating under the legal entities American AgCredit, ACA; American AgCredit, PCA; and American AgCredit, FLCA, headquartered at 400 Aviation Blvd. Suite 100 in Santa Rosa, California. Founded in 1916, the institution delivers agricultural lending, equipment and property leasing, federal crop insurance as a USDA Risk Management Agency provider, and capital markets and corporate banking services to farmers, ranchers, and agribusinesses across California, Colorado, Hawaii, Kansas, Nevada, New Mexico, and Oklahoma, with its capital markets division extending services to customers in all 50 states.
The product suite spans long-term land-purchase loans, operating lines, equipment leasing, crop insurance, capital markets transactions, and an analytical add-on called Terrain Research and Insights. Customer-facing technology is anchored on a web-based online banking platform at banking.agloan.com, protected by 128-bit encryption, multi-factor authentication, secret-question authentication, secure firewalls, session timeouts, and secure inbox messaging. The firm also markets through Facebook, Instagram, X, YouTube, SMS, and email channels, and operates an inside-sales customer service center reachable at (800) 800-4865.
The business model is a cooperative lending model in which the institution returns residual profits to borrowing members through cash patronage — nearly $1 billion distributed since 2005 — and funds itself through the Farm Credit System's cooperative capital structure. Pricing is not publicly disclosed and is set per-loan on the basis of creditworthiness, collateral, term, and market conditions. Leadership comprises Curt Hudnutt as President and CEO, Greg Somerhalder as Chief Operating Officer, and Vern Zander as Chief Financial Officer, with a Board of Directors elected by shareholder-customers.
American AgCredit firmographics
Firmographics- Name
- American AgCredit
- Legal name
- American AgCredit, ACA
- Website
- https://agloan.com
- Company type
- Private
- Founded year
- 1916
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- American AgCredit is a Farm Credit System financial cooperative, founded in 1916, providing agricultural loans, leasing, federal crop insurance, and capital markets services to farmers, ranchers, and agribusinesses across seven western U.S. states and nationwide via its capital markets division.
- Ownership category
- akta.pro rank
American AgCredit industry classification
Industry- Product category
- Agricultural Lending
- SIC
- Federal & Federally-Sponsored Credit Agencies (6111)
- akta.pro primary industry
- Farm Finance, Input Procurement & Risk Tools (Budgeting, Inventory, Insurance Links) (AFAAAFAO)
- akta.pro secondary industry
- Farmer Cooperatives & Co-op Retail (AFABAJAB)
Keywords
Where American AgCredit is headquartered
LocationHeadquarters
- HQ city
- Mobile
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
American AgCredit business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Agricultural Loans: American AgCredit provides financing to farmers, ranchers, and agribusinesses through various loan products including land purchase loans, operational funding, and capital markets services. As a financial cooperative, returns are shared with customer owners through patronage programs.
- Leasing Services: The company offers leasing services for agricultural equipment and operations as part of their comprehensive financial solutions to farmers and ranchers.
- Crop Insurance: American AgCredit provides federal crop insurance services as a provider of USDA RMA crop insurance, offering protection to agricultural producers.
- Capital Markets & Corporate Banking: Capital markets and corporate banking services are provided to customers across all 50 states, representing a separate revenue stream from their regional branch operations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Agricultural loan products - rates determined by individual assessment |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels8 records
American AgCredit product offering
Product offeringCore offering
American AgCredit is a borrower-owned financial cooperative that operates as part of the Farm Credit System. The company provides agricultural loans, equipment leasing, crop insurance, and capital markets services to farmers, ranchers, and agribusiness operators across its chartered territory.
Product overview
American AgCredit is a financial cooperative offering a unified suite of agricultural financial products and services. The core offerings include agricultural loans, leasing services, insurance products, and capital markets services, all delivered through online banking. As a member of the Farm Credit System serving since its founding over 100 years ago, the company provides direct financing in seven states (California, Colorado, Hawaii, Kansas, New Mexico, Nevada, and Oklahoma) while extending capital markets capabilities to customers across all 50 states. The product portfolio is designed to meet the complete financial lifecycle needs of farmers, ranchers, and agribusinesses, with Terrain Research and Insights serving as an analytical add-on to support informed decision-making.
Differentiator
Problem solved
Functional benefit
Products and services
- Agricultural Loans Loans tailored for farmers, ranchers, and agribusinesses to finance operations, land, equipment, and production needs.
- Equipment Leasing Leasing solutions for farm and ranch equipment, providing flexible financing alternatives to ownership for agricultural operators.
- Crop Insurance Insurance products designed to protect farmers against crop loss and production risk.
- Capital Markets Services Capital markets financing solutions for larger agribusiness borrowers through a dedicated division.
- Online Banking Digital banking platform for cooperative members to manage accounts, transactions, and loans online.
Quantifiable outcome
- Nearly $1 billion in cash patronage returned to customer owners since 2005
Companies that use American AgCredit
Customer profileSegments3 records
Ideal customer profiles2 records
American AgCredit technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
American AgCredit partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Farm Credit SystemcoreAmerican AgCredit is a proud member of the Farm Credit System, created more than 100 years ago with the sole purpose of serving the financial needs of farmers and ranchers. The Farm Credit System is a nationwide network of lending institutions that provides agricultural credit and related services. American AgCredit benefits from this cooperative structure for funding and shared services.
Scale indicators5 records
Recent moves5 records
Expansion highlights4 records
American AgCredit competitors and assessment
Company assessmentDirect peers
- CoBank: CoBank is a Farm Credit System bank that provides wholesale lending, capital markets, and agribusiness financing to affiliated Farm Credit associations and rural cooperatives. It is the direct funding bank for American AgCredit and shares the same GSE-backed cooperative structure, making it the closest institutional peer.
- Farm Credit West: Farm Credit West is another Farm Credit System association serving California, Arizona, and parts of the West Coast — directly overlapping with American AgCredit's core California territory. It offers the same suite of agricultural loans, leasing, and crop insurance to farmers and ranchers under the same GSE framework.
- Compeer Financial: Compeer Financial is a large Farm Credit System cooperative serving Illinois, Minnesota, Wisconsin, and surrounding Midwestern states. It mirrors American AgCredit's cooperative ownership model, multi-state agricultural lending footprint, and crop insurance / leasing cross-sell strategy.
- AgCountry Farm Credit Services: AgCountry is a Farm Credit System association serving Minnesota, North Dakota, Wisconsin, and other grain-belt states. Like American AgCredit, it is a borrower-owned cooperative providing agricultural loans, leasing, and crop insurance, with a regional branch network model.
- Farm Credit Mid-America: Farm Credit Mid-America is a major Farm Credit System cooperative serving Indiana, Ohio, Kentucky, Tennessee, and surrounding states. It offers the same full suite of agricultural financing, leasing, and crop insurance products to farmers and rural communities under the GSE cooperative structure.
- AgFirst Farm Credit Bank: AgFirst is one of the four Farm Credit System banks, providing wholesale funding and capital markets services to affiliated associations across the Southeast and Mid-Atlantic. It is directly comparable in institutional role within the Farm Credit System to the lending associations American AgCredit is part of.
- Rabo AgriFinance: Rabo AgriFinance is a subsidiary of Rabobank Group providing agricultural loans, leasing, and capital markets services to U.S. farmers, ranchers, and agribusinesses. It competes directly with American AgCredit, especially in the larger-ticket and capital markets segments served across all 50 states.
Broad incumbents
- Farmer Mac: Farmer Mac (Federal Agricultural Mortgage Corporation) is a GSE that provides a secondary market for agricultural loans and rural utilities financing. It overlaps with American AgCredit in agricultural credit provision but operates a securitization / capital-markets model rather than direct relationship lending.
- MetLife Agricultural Finance:
- Wells Fargo Agricultural Banking:
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
American AgCredit social profiles
Digital presenceAmerican AgCredit compliance and trust
Trust signalCompliance4 records
American AgCredit financial estimates
Financial estimateRevenue estimate
Valuation estimate
American AgCredit leadership team
Management profileNumber of profiles
Profiles3 records
American AgCredit funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
American AgCredit M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about American AgCredit
What does American AgCredit do?
American AgCredit is a borrower-owned financial cooperative that operates as part of the Farm Credit System. The company provides agricultural loans, equipment leasing, crop insurance, and capital markets services to farmers, ranchers, and agribusiness operators across its chartered territory.
Is American AgCredit a public or private company?
American AgCredit is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was American AgCredit founded?
American AgCredit was founded in 1916. It employs 251 to 500 people.
Where is American AgCredit based?
American AgCredit is headquartered in Mobile, United States, in the North America region.
How does American AgCredit make money?
Four revenue lines are on record. Agricultural Loans are the primary driver. The others are leasing Services, crop Insurance and capital Markets & Corporate Banking.
Who are American AgCredit's main competitors?
Direct peers on record are CoBank, Farm Credit West, Compeer Financial, AgCountry Farm Credit Services, Farm Credit Mid-America, AgFirst Farm Credit Bank and Rabo AgriFinance. Broad incumbents are Farmer Mac, MetLife Agricultural Finance and Wells Fargo Agricultural Banking.
Does American AgCredit have an API?
No public API is recorded for American AgCredit.
What industry is American AgCredit in?
American AgCredit's product category is Agricultural Lending. Its primary akta.pro industry code is AFAAAFAO, Farm Finance, Input Procurement & Risk Tools (Budgeting, Inventory, Insurance Links), with a secondary code of AFABAJAB, Farmer Cooperatives & Co-op Retail. Its SIC code is 6111.