Will Harding

NMLS# 1095320, Cullman Main Office

900 2nd Avenue SW

Cullman, AL 35055

Call: 256-735-2983

Email Will >


A lifelong resident of Cullman, Will received a degree in agricultural business and economics from Auburn University.

After working for a poultry company as a field service tech for six years, he became interested in the lending side of the agriculture industry. He joined Merchants in September of 2014.


Why is local lending important?

Local lenders understand the area that they are making loan decisions in, and not just the physical area, but the market area as well. Local lenders are part of the community they work in and are always available with an open door.

What matters to you?

I strive, in all my dealings, to put into practice a simple school-age principle: Treat others as you would want them to treat you. This means valuing their time, being upfront, showing respect, and listening, among many other things.

To you, what is The Merchants Way?

The Merchants Way is being focused on the best possible customer service at all times. We want to be the community bank of choice, and that doesn’t come easy. It takes proving it every day.

What do you like most about your job?

Getting out and visiting customers on their farms or places of business. Being able to be involved in helping people achieve their dreams and successes.

What do you do in your spare time?

I enjoy spending time with my wife Lauren and children, Veronica and Chip. My hobbies include grilling and cooking, golf, gardening and many outdoor activities.

How are you active in the community?

I am very active in the local Rotary Club of Cullman. Rotary is full of local community leaders who are committed to many different local and national projects for the benefit of the community. I serve on the Cullman Regional Medical Center Foundation Board of Trustees and I am a member of St. Johns Evangelical Protestant Church.


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