Capital Farm Credit gives back $1.4 million to lenders in 2018



Pictured, from left, are the friendly faces you see when you walk into Capital Farm Credit: Lisa Schmidt, Sr. Customer Relationship Specialist; Melissa Mangum, Sr. Credit Officer; Becky Murphy, Sr. Customer Relationship Specialist; Debbie Martinez, Loan Officer; and Wes Howell, Sr. Loan Officer. LEON ZABAVA | PLEASANTON EXPRESS

Pictured, from left, are the friendly faces you see when you walk into Capital Farm Credit: Lisa Schmidt, Sr. Customer Relationship Specialist; Melissa Mangum, Sr. Credit Officer; Becky Murphy, Sr. Customer Relationship Specialist; Debbie Martinez, Loan Officer; and Wes Howell, Sr. Loan Officer. LEON ZABAVA | PLEASANTON EXPRESS

As you take a drive down Hwy 97 in Jourdanton, you might notice a white-rock building landscaped with native rocks and plants, housing Capital Farm Credit (CFC). Don’t be fooled by the open parking lot as this family-friendly branch is blooming with clients from Atascosa, La Salle and McMullen Counties, making local farmers’ jobs easier to put food on your table.

CFC’s team is here to help with all your farming and ranching needs from purchasing equipment, land and livestock to financing crops and livestock operations and much more.

“Our primary focus is customer service. People have many options when it comes to financing, but we are different,” said Wes Howell, senior loan officer who started at the branch in January.

When you walk through the doors of CFC, you’ll be greeted by a team of people who are truly invested in your life. “We have a great product in a very family oriented environment. Our customers come in and greet us with hugs and we get to know them on a personal level to where they feel like family,” said Debbie Martinez, a loan officer who has been with CFC for 20 years.

Some people are unsure of what CFC has to offer, but great things are being done within. In the new electronic age, most of the branch’s business is handled via email, phone calls and, yes, even text message. The branch believes in taking care of their clients through various forms of communication, setting up easy access for online payments to direct wiring of funds. But their services don’t stop there. They are constantly active in the local community with Howell’s membership in the Poteet Rotary Club the branch participating as a buyer at local livestock shows, hosting/ sponsoring meetings for organizations and granting scholarships to local youth whom have been active in the communnity.

“We do our best to be a part of the community and be the face of CFC they see in the community,” said Becky Murphy, senior customer relationship specialist.

This year alone, the employees of the Jourdanton branch have already touched the lives of over 3100 young farmers at livestock shows through scholarships and purchasing animals.

Howell stated that it’s very important for the branch to support activities that are important to young farmers. They deal with many generations of families and consider it an honor to help when possible.

Their clients vary from people they previously supported at stock shows to farmers and ranchers and first time land buyers. They also see a great deal of return customers and receive a lot of customers through word of mouth.

Financing can be very overwhelming, but CFC understands their clients in ways most other banks don’t. CFC employees are well-trained to handle the unexpected obstacles that occur during the buying process.

CFC is a cooperative, so clients need have no fear of what they are getting into as the employees walk them through the lending process. With that comes the experience of being a stockholder of CFC. When you get a loan with the branch, you become an owner, meaning you get a lot of perks.

“Our main goal is to do loans efficiently and keep cost down so that we can return a dividend, sent out as a Patronage Check to our clients,” explained Martinez. This year, the CFC Jourdanton branch alone returned $1.4 million to their clients. Total, CFC returned a record $184.3 million in patronage from 2018 earnings and more than $1 billion since 2004.

“Our borrowers are like our owners, so we have a huge responsibility to them,” said Howell.

CFC employees are proud to work for the farmers and ranchers of our community because of the appreciation they receive from their clients and their management on a daily basis. They are here and willing to help foster the farmers of today and tomorrow.

“We are excited to be in this community and are here to help,” said Martinez.

For more information about Capital Farm Credit Services, please call their office at 830-769-3160 or visit their office located at 1760 Hwy 97 E Jourdanton.

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