
First State Bank of St. Charles, Saint Charles, MO
Saint Charles, MO

We’re a full service mortgage lender with an experienced staff offering mortgage loans for everyone – whether you are buying your first home, refinancing to lower your payments, or building a home from the ground up.
Since 1867, we have se...... Show More
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This is the third loan we've closed with Brad, he was great as always!
Super thorough, informative, helpful, always on topof the timeline & every detail... & helping to keep us moving forward!! Great teamwork AND COOKIES!! Thank you for everytjing!! We LOVE our new home & are SO HAPPY to be BACK @ LOTO in our...
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Reply from Gerry Phillips
June 13th, 2026 02:45 PM
Thank you so much for the incredibly kind words and five-star rating! It was truly a privilege to work alongside you and help keep every detail moving toward the finish line.Knowing that you are back at the Lake of the Ozarks, in the neighborhood...
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Great experience and communication throughout the entire process.
Robert was very helpful and prompt .We really enjoyed visiting with him at closing.Jis videos are great
Chris made the process as easy as possibke for me and really helped explained things so I could understand them fully.
Robert was 100% the best experience we've ever had dealing with any type of loan.
Very knowledgeable and responsive to any concerns/ questions we had .
We will recommend him any opportunity we have.
So fast and easy
West Clay has received a review with 5 star rating from Malinda P
West Clay has received a review with 5 star rating from Wayne P
Reply from Owner
June 12th, 2026 12:00 AM
Wayne, we’re so grateful for your 5-star rating—thank you!
Martin kept me informed of everything & walked me through pages I needed to sign. Very professional ad was Ms. Morgan.
Reply from Martin Still
June 11th, 2026 09:17 PM
It was a pleasure working with you Katie and congratulations on your new home!
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About
We’re a full service mortgage lender with an experienced staff offering mortgage loans for everyone – whether you are buying your first home, refinancing to lower your payments, or building a home from the ground up.
Since 1867, we have served the lending needs of our community with integrity and a dedication to excellence.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
USDA Loans
Qualified Mortgage Pre-Approvals
Our Company
Arizona
1Kansas City
4Social Monitoring Only
0St. Louis
4Time Zone
Central Standard Time (CST)
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0 Professionals at First State Bank of St. Charles
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