Meet the Loan Officers

Tony Villarreal  (NMLS #204503)

Vice President, Senior Lender - The Harvard State Bank, Harvard

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 Vice President, Ag Lending Officer - The Harvard State Bank, Harvard
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


Tom Raine  (NMLS #261298)

Vice President, Director of Mortgage Lending - The Harvard State Bank, Harvard

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 relationships with my customers by being a part of their lives even after the transaction is complete. I judge my success by my customers' 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
Phone: (815) 943-4400 / Cell: (630) 772-8424
Fax: (815) 943-4759


Mary Manning 

Vice President, Commercial Lender - The Harvard State Bank, Hebron
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


Jennifer Goley  (NMLS #1051774)

Mortgage Lending Officer - The Harvard State Bank, Oregon

I earned a Bachelor's Degree from Western Illinois University in 2009. Upon graduating, I began my banking career at the The Harvard State Bank in 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


Nick Nelson  (NMLS #384413)

Mortgage Lending Officer - The Harvard State Bank, 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


Jim Jackowski  (NMLS #443065)
Mortgage Lending Officer - The Harvard State Bank, Rockford

I earned a Bachelor’s Degree in the field of Finance/Banking from Northern Illinois University in 2005. Since then I have spent the past 9 years in the field of banking, with an emphasis on mortgage lending. I am passionate about helping customers experience the American Dream of owning a home while presenting professional and friendly service. I have a genuine and vested interest in my local community and the customers I help.

I currently reside with my fiancé Heather and my pug Zoe in Winnebago County.

2470 Eastrock Dr.
Rockford, IL 61108
Phone: (815) 397-3111 / Cell: 815-541-1440
Fax: (815) 397-3217