Tammy Gardner

Tammy Gardner is an Assistant Vice President and Small Business Real Estate Loan Officer with more than 30 years of lending experience, including a strong foundation in mortgage lending. She specializes in real estate and construction loans, land loans, HELOCs, and small business financing. She combines deep industry knowledge with a relationship-driven mindset to help borrowers find solutions that align with both their immediate needs and long-term goals.

Outside of work, she enjoys showing horses, riding ATVs, spending time at the lake, and making memories with family and friends. An avid animal lover, she brings the same dedication, patience, and passion to her personal life that she brings to serving her customers.