Meet the Loan Officers

Tony Villarreal  (NMLS #204503)

Director of Mortgage Lending - The Harvard State Bank 

I bring 18 years experience in the mortgage lending industry. I have managed and owned a mortgage brokerage company for 11 years prior to coming on board as the Director of Mortgage Lending, with The Harvard State Bank. I take "The Customer For Life" approach with all my business dealings. I expect to provide each customer with the tools needed to make the right decisions on what is arguably the biggest asset people have, their home. I have established myself as a resource for Realtors and other Lenders in the community. I am a father of seven and have a vested interest in seeing members in our community succeed. I am heavily involved with my church, our community sports programs, and serve as a board member for Marengo-Union Elementary CSD #165. Give me and my lending team an opportunity to earn your trust and your business. 

35 N Ayer St.
Harvard, IL 60033
Phone: (815) 943-4400
Fax: (815) 943-4759

Cliff Kieser  (NMLS #1108380) 

Assistant VP, Commercial / Agricultural Lender - The Harvard State Bank
I have been in banking for over 30 years. I have worked with a variety of business clients which gives me the experience to provide solutions to your financial needs allowing your business to save money and time. I strive to provide quality service and build client relationships by providing proactive solutions that reflect an understanding of your business and personal needs. By partnering with other experts at The Harvard State Bank on personal and business issues, I can offer products and services to assist you in reaching your financial goals. 

35 N Ayer St.
Harvard, IL 60033
Phone: (815) 943-4400
Fax: (815) 943-4759


Joshua Brown  

Assistant Vice President, Commercial Lender - The Harvard State Bank
My commercial clients have found that my unique work and personal experience not only assists with their financing needs, but to the overall success of their business. I have been helping business owners grow their business for over 13 years ranging from supporting them with marketing their business to assisting them with all of their financing needs. I firmly believe that it is imperative to build a long term relationship with my clients and to have a personal passion to help their business grow. I have extensive knowledge in all aspects of commercial financing including: working Capital lines of credit, equipment financing, commercial real estate loans and the various SBA loans. I have served as the President of the Roscoe Area Chamber of Commerce, President of the Rockton Lions Club, Board of Directors for the Stateline Boys and Girls Club and am a Rockford Chamber of Commerce "30 professionals under 30" award recipient. 

35 N Ayer St.
Harvard, IL 60033
Phone: (815) 943-4400
Fax: (815) 943-4759

Tom Raine  

Mortgage Lending Officer - The Harvard State Bank
I bring over 18 years in the mortgage lending industry. Prior to joining The Harvard State Bank team, I learned mortgage lending through hard work and dedication. I have worked in all aspects of the business from underwriting to owning and operating a mortgage company for 12 years. My goal is to build strong, long lasting relations with my customers by being a part of their lives even after the transaction is complete. I judge my success by my customer's successes. I have established myself as a "Go To" person with Realtors and other lending partners throughout the area and country. In my spare time I enjoy coaching sports and spending time with my wife and 2 children. 

35 N Ayer St.
Harvard, IL 60033
Cell: (630) 772-8424
Phone: (815) 943-4400
Fax: (815) 943-4759


Mary Manning 

VP, Commercial Lender - Hebron Community Financial Center
I am a career banker who joined The Harvard State Bank in early 2013 with over 30 years of experience and over 20 years in commercial lending. My knowledge and experience includes a vast majority of commercial loans including commercial real estate and SBA financing. I enjoy working with businesses and take great pride in establishing business partnerships by providing personal, professional service in commercial loan financing as well as ensuring that existing commercial customers' financial needs are continually met.

I am an active member of The Geneva Lake Area Chamber of Commerce. I also serve on numerous community and professional related Boards and Committees. 

9605 Main St.
Hebron, IL 60034
Phone: (815) 648-2481
Fax: (815) 648-4644

Nick Nelson  (NMLS #384413)

Mortgage Lender - Community Bank of Rockford

I bring over 15 years of banking and mortgage lending experience to The Harvard State Bank. I work hard to make the mortgage transactions easy and hassle free for my Applicants. My goal with each Applicant is to provide a high level of service that I can be proud of. The biggest compliment I can ever receive for the work I have completed is a referral from my Applicants. I am involved with various community groups and serve as the Vice President of the BNI networking group.

2470 Eastrock Dr
Rockford, IL 61108
Phone: (815) 397-3111
Fax: (815) 397-3217

Jennifer Goley  (NMLS #1051774)
Mortgage Lending Officer - Community Bank of Oregon

I earned a Bachelor's Degree from Western Illinois University in 2009. Upon graduating, I began my banking career at the Community Bank of Oregon. Although I am proficient in many of the banking areas, I specialize in mortgages. I have a genuine and vested interest in the community and the customers I serve.

I reside in Ogle County with my husband Matt and my dog Ruxin. 

101 South 4th Street
Oregon, IL 61061
Phone: (815) 732-3111
Fax: (815) 732-3115