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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We've worked with Phil for many years. He's always made the process smooth and easy.
Reply from Phil Scaglia
March 2nd, 2026 09:20 PM
I’m grateful for your kind words! It's wonderful to know that you had a terrific experience with us. Our team strives to deliver excellence, and your feedback motivates us to continue doing what we love.
Thank you!
Reply from Kelly Whitwood
February 24th, 2026 10:10 PM
It was my pleasure to help! Thank you for thinking of me again for your mortgage needs.
Don helped us out even when no one else would. We couldn't have done it without him!
Reply from Don MacPherson
March 2nd, 2026 07:03 PM
I’m grateful for your kind words! It's wonderful to know that you had a terrific experience with us. Our team strives to deliver excellence, and your feedback motivates us to continue doing what we love.
for
Phil made it an easy experience to take advantage of the lower rates.
Reply from Phil Scaglia
March 2nd, 2026 06:16 PM
Thank you for your great review! I’m delighted to hear that you had such a positive experience with us. Your satisfaction is our ultimate reward, and we can't wait to provide you with exceptional service again in the future.
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West Clay
West Clay has received a review with 5 star rating from Bob S
Reply from Owner
March 2nd, 2026 12:00 AM
Thank you so much for the 5-star rating, Bob! We truly appreciate you taking the time to share your support.
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Lake of the Ozarks
Gerry Phillips is a rockstar! He went above and beyond to push my mortgage and financing through with a very tight deadline. He was available day and night to answer questions and was always professional with his communications. I would highly...
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Reply from Owner
March 2nd, 2026 12:00 AM
Chase, thank you for the fantastic review! We’re so glad to hear that Gerry provided the responsiveness and dedication you needed—especially with a tight deadline. He truly cares about his clients and works hard to make the process as smooth...
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Good service from Jim and his team. Completely satisfied.
Reply from Jim Yarrington
February 24th, 2026 11:42 AM
Joe, thanks for the kind words. It is always a pleasure to help our Veterans with their home ownership. I know you are going to love your new home.
Y
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Todd always answered all my questions in a timely matter, He was very patient and kind.
Reply from Todd Hedger
February 23rd, 2026 04:12 PM
Jill, thank you for the great review. Always great working with you and Todd! Stay in touch and let me know if you ever need anything!
Don is easy to work with.
Reply from Don MacPherson
February 27th, 2026 08:05 PM
Thank you for your great review! I’m delighted to hear that you had such a positive experience with us. Your satisfaction is our ultimate reward, and we can't wait to provide you with exceptional service again in the future.
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Great communication and education!
Reply from Todd Hedger
February 23rd, 2026 01:41 PM
Thank you for taking the time to share your thoughts, Gerard. I'm glad to hear you appreciated the communication and found the educational aspects helpful. If you have any more questions or need further assistance in the future, please feel...
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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
Time Zone
Central Standard Time (CST)
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