Meet the loan officers

Tom Matthew Raine

(NMLS #261298)

Executive Vice President – 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

traine@thehsb.com

Cliff J. Kieser

(NMLS #1108380)  

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
ckieser@thehsb.com

April Ann McMullen

(NMLS #1004794)

Mortgage Loan Officer

Owning a home is one of the biggest decisions you will make in your lifetime. Working with a banker who will be there to make this the best experience possible is my goal. I have several years of experience in banking and thoroughly enjoy working with my customers. Together we will find the best product for you and keep your budget balanced. In addition to mortgages, I can assist you with home equity lines of credit and consumer loans as well as any other banking needs you may have. I have lived in the McHenry County area most of my life; raised my family within these communities and currently reside in Marengo. Call or stop in our Harvard office – Just ask for April!

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

amcmullen@thehsb.com

Rebecca M. Guerrero

(NMLS #1420380)

Mortgage Loan Officer

Let me help you into your new home! I am bi-lingual, speaking Spanish and English, and have worked in the banking world for over 20 years.  Let’s sit down, review your budget, income, and savings, to create a clear, realistic plan. The home buying process can be stressful and overwhelming—but it doesn’t have to be. Contact me today and let’s get started making your home-ownership dream come!

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

rguerrero@thehsb.com

 

 

Marty E. Grant

(NMLS #652521)

Mortgage and Small Business Lending Officer- The Harvard State Bank, Oregon

Working with customers to achieve their dream of home ownership is my passion. I bring over 15 years of experience in banking and mortgage lending, and it is so exciting to assist people through this process to achieve their personal and small business goals. I will work with you to determine the right product, helping make life that much more enjoyable in your new home or business. When the time comes for remodeling, or other expenses, we will look at how The Harvard State Bank can help you. I believe my success comes from my customers’ satisfaction and by their referring friends and family to me. I live in Byron with my wife and 2 children, am a member of Rotary and enjoy sports, especially watching my kids play! Call or stop in our Oregon office- let’s get you started on that dream!

510 W. Washington Street
Oregon, IL 61061
Office: (815) 732-3111

mgrant@thehsb.com

Ryan Hutchinson

Commercial Loan Officer

I bring over 15 years experience in Commercial Lending to The Harvard State Bank team. Prior to joining The Harvard State Bank I worked as both a Commercial Lender and Market President for a community bank in Omaha, Nebraska. I have experience in all aspects of commercial lending and look forward to sharing that experience with both new and existing bank customers. I enjoy building relationships and helping my clients achieve their business goals. Outside of the bank I enjoy spending time with my wife, two kids and dog, being active in our kids activities, and following our favorite sports teams.

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