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Meet a loan officer today!

Mortgage Loan Officers

Byron Bank has specialized in mortgage loans for 33 years. Because we are a locally owned bank, we can look at each loan request individually and help home-buyers make the best loan choice for their needs. Our loan officers can help you pre-qualify so you can shop for your home in the price range that fits your budget. Call one of our experienced loan officers today.


Leah Kays

Vice President - Mortgage Loans

Leah Kays is a lifelong resident of Boone County where she resides with her husband, Rich, and son Wade. She has been in banking for 25 years, working in several areas of the bank. Whatever the life event, her goal is to find the mortgage that best fits your needs and circumstances. One loan does not fit everyone, so let Leah find the one that will work for you. When you need a mortgage and not a runaround, call Leah and get the service and experience you deserve.

NMLS# 482532

[email protected]



Rachel Oracki

Mortgage Loan Officer

Rachel has been a Byron native for most of her life and has been employed at Byron Bank since 2013. After graduating from the University of Kansas in 2007, she went on to receive a master’s degree in accounting from NIU in 2008. With her financial background and previous lending experience, Rachel will be able to help guide you through the mortgage process every step of the way. Call Rachel to start your mortgage loan application today!

NMLS# 1692682

[email protected]



Dave Gatz

Mortgage Loan Officer

Dave Gatz has been an Ogle County resident his entire life and has worked exclusively in mortgage lending since 2003. Dave knows the area and our community and thanks to his extensive knowledge and experience in the field, he’s excellent at assisting our customers in finding the best mortgage to fit their needs. Dave will comfortably guide you through the loan process and make home buying a breeze. Stop in or give Dave a call.

NMLS #652536

[email protected]