Lending to Help You Grow
Specialized farm, ranch, and land financing structured around your operation, your season, and your goals.
Bright Loans℠
Our Approach
Agricultural Lending Done Right
Seasonal Cash Flow Expertise
We structure loans around harvest cycles and commodity prices — not arbitrary bank calendars.
Fast Pre-Qualification
Most ag borrowers receive a pre-qualification decision within 48 hours of submitting their initial documentation package.
Flexible Payment Options
Choose a repayment schedule that fits your cash flow — monthly, quarterly, semi-annual, or annual payments available to match your operation's income timing.
Dedicated Ag Loan Team
A specialized team of agricultural lending experts supports you from pre-qualification through closing — no handoffs, no surprises.
Loan Programs
Agricultural Financing Solutions
From small family farms to large-scale agribusiness — every program below is purpose-built for agricultural borrowers, not repurposed from a suburban playbook.
Farm Purchase Loans
Learn More →$500K – $25M+
Whether you're buying your first farm or expanding an existing operation, we finance row crops, dairies, orchards, and mixed-use agricultural properties with terms built around how farms actually generate income.
Ranch & Timberland
Learn More →$500K – $20M+
From working cattle ranches to managed timberland, we structure loans that reflect the true productive value of your land — factoring in grazing leases, timber contracts, hunting rights, and long-term appreciation.
Raw Land Loans
Learn More →$500K – $10M+
Secure agricultural land before it's developed or spoken for. Our raw land financing gives you the runway to plan, permit, and build the farming operation you envision — without rushing the process.
Equestrian Loans
Learn More →$500K – $10M+
From show facilities and boarding barns to private equestrian estates, we understand the unique income streams, infrastructure, and property characteristics that define equine operations.
Operating Lines of Credit
Learn More →$500K – $2M
Keep your operation running through every season. Our revolving lines of credit flex with your input needs — draw when you plant, repay when you harvest. No rigid monthly payment schedules that ignore crop cycles.
Agribusiness & Processing
Learn More →$1M – $25M+
Commercial financing designed for grain elevators, cold storage facilities, processing plants, and vertically integrated ag businesses ready to scale their footprint and production capacity.
Wineries & Vineyards
Learn More →$750K – $20M+
Oregon's Willamette Valley and California's wine regions require lenders who understand that vineyard value is part enterprise, part real estate, and part crop. We underwrite winery and vineyard acquisitions using blended income — wine sales, tasting room revenue, grape contracts, and land appreciation.
Grass Seed Farmers
Learn More →$500K – $15M+
Grass seed is one of Oregon's most important agricultural commodities and Willamette Valley farmland is among the most productive in the country. We structure loans specifically for grass seed operations — factoring in ODA field certification, commodity hedging, and the late-summer harvest cycle.
Almond & Nut Growers
Learn More →$500K – $20M+
Almonds are California's #1 agricultural export and Oregon's Willamette Valley produces over 99% of the U.S. commercial hazelnut crop. We finance both — with underwriting built around orchard establishment curves, water rights, and permanent tree crop income patterns.
Specialty Programs
Built for Your Operation
Some agricultural borrowers need more than a generic farm loan. These specialty programs are purpose-built for three of Oregon and California's most important — and most nuanced — agricultural industries.
Wineries & Vineyards
From vine to bottle — financing built for Oregon & California wine country.
$750K – $20M+
Oregon's Willamette Valley and California's wine regions require lenders who understand that vineyard value is part enterprise, part real estate, and part crop. We underwrite winery and vineyard acquisitions using blended income — wine sales, tasting room revenue, grape contracts, and land appreciation — without forcing your operation into a box meant for row crops.
Vineyard Acquisition
Finance established vineyards with existing contracts and varietal plantings — we count grape contracts as income.
Winery Facility Financing
Purchase or refinance bonded winery facilities including crush pads, barrel rooms, and tasting rooms.
Working Capital Lines
Revolving credit for harvest inputs, barrel purchases, and bottling expenses aligned with wine production cycles.
Enterprise Value Underwriting
We look at both the real estate and the operating business — DTC sales, wholesale accounts, and hospitality revenue all count.
Ag Lien on Equipment
Eligible for ag liens on tanks, presses, and processing equipment alongside real property collateral.
Crop Insurance Considered
Vineyard crop insurance and frost protection policies factor into our income stability analysis.
Oregon OLCC & California ABC licensing history reviewed — not penalized — in our underwriting.
View Wineries & Vineyards ProgramWho We Serve
Built for the People
Who Feed the Country
We work with all kinds of agricultural borrowers — from multi-generational family operations passing land to the next generation, to first-time buyers putting down roots. What they share is a need for a lender who understands that farm income is not a W-2.
Row Crop Farmers
Corn, wheat, soybeans, cotton — we understand commodity price cycles and build underwriting around your actual harvest yield and hedging position.
Beginning Farmers
First-time buyers and farm-transitioning borrowers benefit from down payment assistance programs and flexible income documentation requirements.
Family Farm Entities
We lend to family LLCs, farm partnerships, and S-corps — structuring loans that account for multiple owners, operating agreements, and entity tax returns.
Ranch & Land Investors
Buyers acquiring land for long-term appreciation, conservation, or future development benefit from our patient, relationship-based approach to land lending.
Licensed in 40 States
NMLS #1498678 · Agricultural Lending Division
Lumen Mortgage offers agricultural financing across 40 states, with deep expertise in Oregon and California land markets, water law, and commodity production.
Underwriting
What We Look At
Traditional lenders check a box. We build a complete picture of your operation — income sources, seasonal patterns, land assets, and everything in between.
Global Cash-Flow Analysis
We combine farm income, off-farm income, rental income, and FSA/USDA program payments to build a complete picture of your financial position.
Commodity & Crop Insurance Review
Hedging positions, crop insurance policies, and forward contracts are all considered as income stabilizers in our analysis.
Water Rights & Mineral Interests
We evaluate water rights, mineral leases, and irrigation infrastructure as income-producing assets — not just footnotes.
CRP & Conservation Programs
Conservation Reserve Program payments and USDA conservation contracts are counted as stable, recurring income in your loan qualification.
Seasonal Payment Structures
We offer interest-only periods, deferred payments, and harvest-timed repayment schedules that align with when your operation actually generates cash.
Variable Rate & Fixed Options
Choose from fixed-rate certainty for long-term land loans or variable-rate products better suited to shorter operating credit needs.
Interactive Tool
Agricultural Loan Calculator
Unlike residential calculators, ag lending features flexible payment schedules aligned with your harvest and commodity income. Model monthly, quarterly, semi-annual, or annual payments — plus interest-only, balloon, and IO-then-amortizing structures common in farm financing.
Agricultural Loan Calculator
Includes ag-specific payment options
Down Payment
$1,250,000
LTV Ratio
44.44%
Annual Interest Rate · tap to edit
Ag Note: Standard schedule — best for operations with consistent monthly income.
Monthly Payment
$5,918.57
Annual Total
$71,023
Year 1 Interest
$58,465
Purchase Price
$2,250,000
Loan Amount
$1,000,000
Down Payment
$1,250,000
LTV
44.44%
Interest Rate
5.88%
Total Interest
$1,130,686
Estimates are for illustrative purposes only and do not constitute a loan commitment. Actual rates, terms, and payments are subject to credit approval and underwriting. Contact a Lumen Mortgage agricultural specialist for a personalized quote. NMLS #1498678.
The Process
From Conversation to Closing
We keep it simple. No black-box underwriting, no unexplained delays — just a clear path from first call to funded loan.
STEP 01
Speak With a Specialist
Connect with a dedicated agricultural loan specialist who understands your operation type, region, and financing goals — not a call center script.
STEP 02
Submit Your Financials
We'll request farm tax returns, schedule F documents, operating statements, and a property description. We make it straightforward.
STEP 03
We Analyze & Structure
Our underwriters build a loan structure around your operation's actual cash flow — factoring seasonality, commodities, and land value together.
STEP 04
Close & Get to Work
Once approved, we move efficiently to close. No unnecessary delays, no last-minute surprises. You get funded and get back to running your land.
Your Land. Your Terms.
Let's Build the Right Loan.
Every agricultural operation is different. Speak with a Lumen ag specialist — we'll listen to your situation, review your financials, and come back with a financing structure that actually works for how your farm runs. No cost, no obligation.
Call direct
503-966-9255
Refinancing Tool
Ag Refinance Calculator
Already carrying ag debt? Model your blended rate across multiple loans and compare it against a proposed refinance rate to see your potential monthly and lifetime savings.
FAQ
Agricultural Lending Questions Answered
Everything you need to know about financing farm, ranch, and agricultural properties in Oregon and California.
From the Blog
Further Reading
AgriculturalAgricultural Lending in Oregon and California: Water Rights, Land Use Laws, SGMA, and the Underwriting Complexities That Make These States Different
Oregon and California are two of the most productive agricultural states in the country — and two of the most complicated to lend in. Water rights, EFU zoning, SGMA groundwater restrictions, Prop 13 reassessment risk, specialty crop volatility, and strict environmental regulations all create underwriting layers that do not exist in the Midwest or Great Plains. Here is what ag borrowers and lenders need to know.
AgriculturalWhy Oregon & California Farmers Are Choosing Fixed Rate Agricultural Loans — And Never Looking Back
Rate volatility, endless paperwork, and prepayment penalties have long made commercial ag financing feel more like a burden than a tool. Lumen Mortgage's fixed rate agricultural loans eliminate all three — giving farmers and ranchers a predictable payment, a clean qualification process, and the freedom to refinance whenever the market moves in their favor.
AgriculturalAg Equity Lines of Credit: Unlocking Farm and Ranch Equity Without Selling an Acre
An Agricultural Equity Line of Credit gives farmers and ranchers revolving access to up to $10 million in land equity — with no annual maintenance fee, no minimum usage requirement, and interest-only semi-annual payments during a 5 or 10 year draw period. Here's how it works and what you can do with it.
Agricultural loans by state
Farm and ranch lending guidelines, eligible commodities, and county coverage vary by state.