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While we process your mortgage loan application, you may be asked to provide the following documentation:

  1. Valid sales contract signed by both parties (if a purchase transaction)
  2. Last two year's W-2s
  3. Paystubs for the last 30 days
  4. If self-employed, last two year's federal tax returns and year to date Profit & Loss
  5. Corporate tax returns for last two years if ownership in 25% or more
  6. Copy of last three month's bank statements (all pages)
  7. If currently renting, landlord's name & address for past two years
  8. If refinance, copy of insurance policy and copy of deed
  9. Check for appraisal, credit report and flood certification

Please contact us today if you have questions or need assistance with your mortgage loan application.

Select your Loan Officer


Loan Officers

Branch Locations


Tommy Thomas, VP, Sr. Banking Officer |  (502) 894-2381  |  (502) 893-8515 Fax  |  NMLS 657783
293 N Hubbards Lane, Louisville, KY 40207

Tommy Thomas is Vice President and Senior Banking Officer at our St. Matthews branch.

Born and raised in Louisville, Tommy began his banking career in 2002 after graduating from the University of Kentucky.  He has over 10 years of experience in residential and commercial lending.  He specializes in residential purchases and refinances as well as complex investment property financing.

Tommy attributes his success to the large customer base that he has developed and the referrals he receives from past and current clients.  He believes that local decision-making and underwriting sets First Capital Bank apart from other banks/lenders in Louisville, and plays an important role in his ability to provide excellent customer service.

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Jon Sanders, Mortgage Loan Originator  |  (502) 259-3016  |  (502) 452-1134 Fax  |  NMLS 111387
2735 Bardstown Road, Louisville, KY 40205

Jon Sanders is a Mortgage Loan Originator who serves the bank’s customers from the Strathmoor Branch located at 2735 Bardstown Road.

Jon has worked in banking for over five years, and he is excited to have the opportunity to share his mortgage experience with customers in Louisville and the surrounding areas. He prides himself in creating lasting customer relationships and is happy to walk alongside each one as they navigate through the lending process.

Jon grew up in Hot Springs, Arkansas and graduated from Ouachita Baptist University, after which he relocated to Louisville with his family.

Jon is active in his community, where he serves as a member of the Kentucky Opera Board of Directors, the U. S. Green Building Council, and the Board of Directors Preservation Louisville.

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Jim Tilford, VP, Branch Manager  |  (502) 259-3000  |  (502) 459-8108 Fax  |  NMLS 657784
2735 Bardstown Road, Louisville, KY 40205

Jim Tilford is the Branch Manager at our Strathmoor branch.

With over 40 years in the banking industry, Jim provides our customers with a world class lending experience.  Since joining us in 2004, Jim has focused on mortgage, business development, and commercial lending.

After graduating from the University of Louisville with a major in Finance, Jim began his banking career in 1968.  Jim has, throughout his career, managed loan portfolios as large as $50 million.

Jim is active in his community, serving as a member of the Jeffersontown Chamber of Commerce (serving as Chairman in 2000), St. Matthews Area Chamber of Commerce, Highlands Commerce Guild, and Louisville Economic Chamber of Commerce. 

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James Johns, Branch Manager  |  (502) 895-5040  |  (502) 891-4438 Fax  |  NMLS 657772
293 N Hubbards Lane, Louisville, KY 40207

James Johns is the Branch Manager at our St. Matthews branch. 

James's banking career includes over 10 years of lending experience in both personal and mortgage lending.  James prides himself in giving superior customer service to all of his clients, and considers each customer's need on an individual basis.

He is visible in the St. Matthews community, where he serves as a Board member of St. Matthews Area Chamber of Commerce.  His community service includes serving for over six years as a volunteer worker with Senior Care Experts.

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Tracy Frazier, Branch Manager  |  (502) 891-3599  |  (502) 231-2135 Fax  |  NMLS 1113875
6512 Bardstown Road, Louisville, KY 40291

Tracy Frazier is the Branch Manager at our Fern Creek branch.

Tracy has been in banking for 14 years where she has specialized in retail banking, customer service, and personal and mortgage lending.  She believes in providing her clients with excellent service while focusing on their individual banking needs.

Tracy is visible in the Fern Creek and Bullitt County communities where she is a member of the Fern Creek Chamber of Commerce and the Bullitt County Chamber of Commerce. 


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Jennifer Mattingly, Branch Manager  |  (502) 891-0100  |  (502) 244-5475 Fax  |  NMLS 437228  
13704 Shelbyville Road, Louisville, KY 40245

Jennifer Mattingly is a highly regarded financial services professional who joined First Capital Bank of Kentucky in February, 2014, as Branch Manager of the Middletown Branch.  Prior to this appointment, Jennifer served Louisville-area customers at another financial institution, where she held positions of Banking Officer and Operations Manager.  In addition to her experience and organizational skills, she brings with her a passion for extending exceptional customer service to her clients.  She takes pride in developing an understanding of each client’s need, her goal being to build trusting relationships and assist them with achieving their financial goals.

A Louisville native, Jennifer attended University of Louisville and Spalding University, where she majored in Marketing, and she resides in Louisville with her family.

Jennifer is visible in the local community where she has volunteered for Junior Achievement, Fund for the Arts, and Metro United Way.



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Tyler Ochs, Branch Manager / Business Development Officer |  (502) 894-2382  |  (502) 459-8108 Fax  |  NMLS 913061
2862 Frankfort Avenue, Louisville, KY 40206

Tyler Ochs is the Branch Manager and Business Development Officer at our Crescent Hill Branch located at 2862 Frankfort Avenue.

A Louisville native, Tyler worked in the insurance business for 11 years and built a book of business from the ground up before making a career change into banking. Tyler enjoys developing and nurturing both personal and business account relationships, and he believes in a ‘client first’ culture that places a premium on excellent customer service, which is the substance that fuels First Capital Bank of Kentucky.

Tyler is a 2001 graduate of The College of Charleston and holds a degree in Corporate Communications. He has volunteered his time with the Board of Directors of Best Buddies Kentucky and also assists with the Board of Directors of University of Kentucky’s Young Alumni Association of Greater Louisville.

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Kirk Esarey, Banking Officer  |  (502) 822-7010  |  (502) 425-0380 Fax  |  NMLS 419152
9819 Brownsboro Road, Louisville, KY 40241

Kirk Esarey is the Banking Officer at our Old Brownsboro branch.

He has over 7 years of experience and an in-depth knowledge of the mortgage industry, where he has specialized in secondary market and portfolio lending during his career. He believes that his ability to provide excellent service and focus on individual needs of his customers has resulted in his successful customer base.

Kirk is a graduate of St. Xavier High School and University of Kentucky.

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Abby Anthony, Assistant Banking Officer  |  (502) 891-4408  |  (502) 891-4438 Fax  |  NMLS 1177157
293 N Hubbards Lane, Louisville, KY 40207

Abby Anthony is Assistant Banking Officer at First Capital Bank of Kentucky, and her office is located at the bank’s St. Matthews branch, 293 N. Hubbards Lane.

A native of Louisville, Abby began her employment with the bank in 2011 as a Teller. Since that time, she has provided excellent customer service to both Retail and Mortgage customers. Abby strives to be great at giving customers the service they’ve come to expect from First Capital Bank by assisting them with a wide variety of needs. Her goal is to develop long-lasting banking relationships with her customers.

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Leisa Baechler, Personal Banker  |  (502) 894-2380  |  (502) 893-8515 Fax  |  NMLS 657765
2862 Frankfort Avenue, Louisville, KY 40206

Leisa Baechler is the Personal Banker at our Frankfort Avenue branch. 

Leisa has over 25 years of experience in her banking career.  She specializes in retail banking, including personal and mortgage lending.  She believes in providing her clients with excellent service while focusing on their individual banking needs.

Leisa graduated from Sacred Heart Academy.  She is visible in the area where she volunteers at St. Albert the Great, St. Matthews Episcopal, Sacred Heart Academy, and Trinity High School.


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Amy Elmore, Personal Banker  |  (502) 891-3599  |  (502) 231-2135 Fax  |  NMLS 993264
6512 Bardstown Road, Louisville, KY 40291

Amy Elmore is the Personal Banker at our Fern Creek branch. 

Amy's banking career includes 4 years of experience in both personal banking and mortgage lending, as well as 5 years experience in real estate.  She is a graduate of Murray State University with a Bachelor's degree in Marketing, and she is able to provide a full range of banking services to customers that are individual to their needs, while emphasizing exceptional customer service.


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Stephen Gering, Personal Banker  |  (502) 259-3000  |  (502) 459-8108 Fax  |  NMLS 657769
2735 Bardstown Road, Louisville, KY 40205

Stephen Gering is the Personal Banker at our Strathmoor branch.

Stephen grew up in the Strathmoor neighborhood, making him very knowledgeable of the area, as well as surrounding neighborhoods.  He enjoys helping customers with all of their banking needs, but he especially enjoys the opportunity to see first time home buyers achieve their dream of owning their own home.



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Barb Spratt, Personal Banker  |  (502) 822-7070  |  (502) 267-5722 Fax  |  NMLS 657782
9306 Taylorsville Road, Louisville, KY 40299

Barb Spratt is the Personal Banker at our Jeffersontown branch.  

Barb has been in banking since 1978 with experience as a Teller, Customer Service Representative and Assistant Manager.   From 2002 until 2007 she worked as a Loan Originator and Processor for our Mortgage company.  This experience has given her a broad range of knowledge and expertise in both retail banking and consumer and mortgage lending.   She prides herself on excellent customer service and appreciates being able to develop a "one on one" relationship with her customers, something she feels only a local bank can offer!  

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Gammon Wood, Personal Banker  |  (502) 891-2114  |  (502) 244-5475 Fax  |  NMLS 434714
13704 Shelbyville Road, Louisville, KY 40245

Gammon Wood serves as Personal Banker for First Capital Bank’s Middletown Branch, located at 13704 Shelbyville Road.

He was born and raised in Louisville, Kentucky and is a Trinity High School graduate. He also attended the University of Kentucky.

Gammon began his banking career in 2005 as a customer service representative. Since that time, he has grown both personally and professionally by serving many customers. He enjoys assisting customers with their personal and business accounts, and making recommendations based on the customer’s needs.

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First Capital Bank N.M.L.S Identifier Sheet

Our First Capital Bank N.M.L.S Identifier Sheet requires Adobe's free Acrobat Reader software, which you can get here.

We want to provide you with the tools necessary to make the most educated and responsible decisions. Please take advantage of the helpful financial calculators we have provided below.

Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issue.

Contact Us

Thank you for your interest in First Capital Bank of Kentucky. We strive to make ourselves available to you, via email, telephone, postal mail and in person at any of our branch locations, or use the secure form found on our Contact Us page.


First Capital Bank of Kentucky
293 N. Hubbards Lane
Louisville, KY 40207

Phone (502) 895-5040



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