At Heritage Land Bank, we have a unique perspective – yours. It’s a way of doing business you won’t find at other banks. And it’s the reason why we’ve been able to help ranchers, farmers, families and agribusiness professionals finance rural lands, operations and equipment here in Texas for well over a century.

Before we ever talk about money with you, we’ll talk about your family, your business, your goals, how you live, where you want to be in the future, and how you hope to get there. Once we understand you and your goals, we’ll assemble a financing package that works best for you.

So, no matter how you plan to use your land, we’ll help you reach your goal. We also promise to stay with you every step of the way. Because, since we opened our doors in 1917, we’ve never sold a single loan to another bank. Not one. And that’s a policy we don’t intend on changing any time soon.

Agriculture & Farming

Banking

Real Estate

Heritage Land Bank

Mark Miller

Stephen F. Austin

Stephanie King

Mike Fuller

Heath Gattis

Austin Nowicki

The Credit and Policy Development team at Heritage Land Bank is responsible for designing and overseeing the credit policies and procedures to ensure sound lending practices. They evaluate and monitor the creditworthiness of borrowers, develop strategies to mitigate risks, and craft financing packages tailored to meet the unique needs of ranchers, farmers, families, and agribusiness professionals. This team ensures that all lending activities align with the bank's commitment to personalized customer service and long-term partnership.

Credit and Policy Development

Leadership Team

Branch Management and Loan Operations Team

Credit and Policy Development

About

Team members

Other teams at Heritage Land Bank

Leadership Team

Branch Management and Loan Operations Team