Wanda Folds

NMLS# 543349, Cullman Main Office

900 2nd Ave. SW

Cullman, AL 35055

Call: 256-735-2994

Email Wanda >




Wanda was born in Michigan and has lived in Cullman since she was five.

She attended Wallace State and Samford University’s banking school. She started in banking at Leeth National Bank and joined Merchants in 1985.


My favorite banking stories.

One of the first mortgage loans I closed was for a couple in their late 60’s. They had never owned their own home before and were so excited about their first home. I felt proud to be a part of that!

Why is local lending important especially with mortgages?

Every community has unique characteristics. I feel local lenders can be more aware of the opportunities that are in certain areas of our community. At a community bank, you don’t have to fit a profile to get the loan that fits. Your lender has the flexibility and options to get you the mortgage that feels as right as your dream home.

What matters to you?

To keep our customers happy about choosing us as their bank. That means always being available to help in any way long after the loan closes.

To you, what is The Merchants Way?

Knowing our customers and being a part of the community.

What do you like most about your job?

Helping someone purchase or build their home with the mortgage product that best meets their needs.

What do you do in your spare time?

I enjoy sewing and gardening.

How are you active in the community?

I am a member of Mt. Zion Baptist Church.


Merchants Bank

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