We Have a Unique Perspective - Yours!

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.

Your Loan Is Not Resold

Your loan stays right here with us. It isn’t sold to the secondary market, which means your loan officer can answer your questions and take care of your financial needs.

We Understand Your Needs

You can rely on agricultural professionals who understand your needs and are committed to serving you.

Ownership And Control

You become a stockholder and are eligible to run for election on the Board of Directors, and vote on important co-op issues.

Cash Back Patronage

You are rewarded with an annual Patronage Dividend when Heritage Land Bank does well financially.

Personal Attention

You get a personal loan officer who believes in building a relationship with you. Their doors are always open to answer your questions and provide you one-on-one assistance with your lending needs.

Long-Term Fixed Rates

You can select long-term fixed rates and have peace and mind knowing your payment won’t increase over time.

Fast Response

You get a quick turn-around on loan answers. Your loan officer is empowered to make decisions.