With nearly 40% of all farmland owners over the age of 65, there is likely to be a major change in the structure of US farmland ownership in upcoming years. There is a growing concern in farm country as to who will comprise the next generation of farm operators and landowners. Through their credit policies, lenders may have an influence on who will be the next generation of farmland owners. Changes currently unfolding in farmland markets and what influence lenders may have on the farmland transfers are examined. Federal and state credit programs, such as those provided through USDA's Farm Service Agency, are likely to be important in enabling operators of family and commercial size farms to purchase farmland. It still be important in enabling operators of family and commercial size farms to purchase farmland.