A Lender Made for Rural America

Part of the nationwide Farm Credit system, MidAtlantic Farm Credit is one of the largest agricultural lenders on the East Coast. There are 17 branch locations to serve the Eastern Shore of Maryland as well as North-Central Maryland, North-Western Virginia, Eastern Pennsylvania, Virginia, Delaware, and North-Eastern West Virginia. Farm Credit supports rural communities and agriculture with reliable, consistent credit and financial services, today and tomorrow.

MidAtlantic Farm Credit Numbers at a Glance (As of December 31, 2020)

  • Member-Owners: 12,100
  • Loan Volume: $2.9 Billion
  • Net Income: $78.7 Million
  • Total Capital: $665 Million
  • Capital as a percentage of assets: 22.31%
  • States served: 5
  • Total Assets: $2.98 Billion
  • 2020 Returned patronage dividends: $50.8 Million
  • Young, Beginning, and Small (YBS) customers: 10,776
  • Employees: 249
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StartRight Program: $20.6 Million Outstanding Loans

Established in 2008, the StartRight Program focuses on the needs of young, beginning, small, and minority farmers. These customers have the option of enrolling in the AgBiz Masters program, an educational opportunity that teaches marketing, business plan development, and other key skills new business owners need.

Crop Insurance: 606 Policies

Crop insurance is a risk management tool that is used to put a safety net under cash income. When production is low or harmful weather such as floods, drought, or hail occur, it can damage or potentially destroy your crop. Crop insurance plans protect farmers so that they can financially meet both their personal and business obligations, no matter what happens. 

Secondary Mortgage Market: $72.7 Million Loan Volume

Created specifically for homes with some acreage, Farm Credit’s Secondary Mortgage Market offers financing solutions for land and home purchases. Depending on the customer’s situation, we offer conventional loans, government loans (VA, USDA and FHA), construction loans, part-time farm loans, and rural lot loans. Learn more about land loans here, and about home loans here.

Farm Credit EXPRESS: $40.6 Million Loan Volume

MidAtlantic Farm Credit started this program in 2000 which enables local equipment dealers to offer convenient financing or leasing options to their customers while at their location. It is now being offered by 20 Farm Credit associations.

Community Support

As a cooperative, MidAtlantic Farm Credit strives to give back to the diverse organizations and people in our five state territory. Our staff is proud to support those within our footprint, and are always looking for new and different ways to accomplish this.

Every year, each MidAtlantic Farm Credit employee receives eight paid hours of community service time. In 2020, our employees volunteered their time and resources at more than 300 activities, totaling 2,215 hours – well surpassing the given eight hours. In addition to volunteer hours, MidAtlantic Farm Credit employees donated over $6,700 to various local charities and organizations throughout 2020, making a large impact on our neighbors and their families.

As an association, MidAtlantic Farm Credit donated a total of $95,000 to local food banks in our five state territory:

  • $25,000 to the Maryland Food Bank
  • $25,000 to the Food Bank of Delaware
  • $12,500 to Blessings of Hope in Pennsylvania
  • $12,500 to Helping Harvest in Pennsylvania
  • $10,000 to the Mountaineer Food Bank in West Virginia (half of joint contribution with Farm Credit of the Virginias)
  • $10,000 to the Federation of Virginia Food Banks (joint effort with Colonial Farm Credit and Farm Credit of the Virginias)


The strategic direction of our cooperative is lead by our Board of Directors and our Executive Leadership team.


We have 17 office locations throughout Delaware, Maryland, Pennsylvania, Virginia and West Virginia.

Farm Credit System

The Farm Credit system was founded in 1916 to provide America’s farmers, ranchers and rural communities with reliable and consistent credit. Today, there are nearly 80 independently operated Farm Credit organizations across the country and Puerto Rico, each providing financial assistance to their local communities. Our cooperative structure ensures that our customers are also our owners, allowing them access to our unique profit sharing program, known as patronage. 

Recent Press Releases and Blog Articles

AgChoice Farm Credit and MidAtlantic Farm Credit Announce Upcoming Merger
2022 First Quarter Financial Results
Four Questions to Ask Before Buying Land

Jenny Kreisher – Director of Communications and Creative Services

45 Aileron Court
Westminster, MD 21157

Katie Ward - Public Relations & Communications Specialist

379 Deep Shore Rd.
Denton, MD 21629