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

Mary L. Manning  

(NMLS #1393137)


Vice President, Sr. Lender of Commercial Division – The Harvard State Bank, Harvard

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.

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

mmanning@thehsb.com

Greg Buhl

(NMLS #428414)

AVP of Mortgage Lending

Let me help you achieve your financial dreams!  I have been in the banking profession for more than 15 years with experience in all fields of personal finances.  Whether you are a first-time home buyer, looking to find your dream home, or simply planning for a future purchase, I can help!  I pride myself in understanding my customer’s financial goals and helping them build a plan to get there.  Your plan may be to get your child their first bank account, or to finally purchase the lake home you have always wanted, I can help!  I appreciate the long lasting relationships that I have formed and truly enjoy celebrating their successes, no matter how big or small.

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

gbuhl@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

Adriana Andrin

(NMLS #1998296)

Commercial/Small Business Lender

I have worked with borrowers across all industries, all over the Chicagoland area. The relationships with my clients are of utmost importance to me and becoming their trusted banking advisor is what I strive to achieve. Understanding each individual client’s unique situation allows me to provide the personal service that is so important. I look forward to assisting you with all of your business banking needs at The Harvard State Bank.

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