Heritage Bank Limited is Australia's second largest mutual bank. Its head office is located in Toowoomba, Queensland. The bank has over 62 branches and mini-branches in southern Queensland and New South Wales and sells home loans via a network of mortgage brokers in every state and territory in Australia. The bank's customer contact centre is also based in Toowoomba, Queensland. Heritage Bank Limited is a mutual bank which is owned by its members, not by shareholders. Heritage is also a member of the Customer Owned Banking Association (COBA).