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 my second time working with Phil and his team. He is always very helpful, knowledgeable about the industry and his customer service is top notch! I know I am in good hands with Mr. Scaglia and will continue to use him and his team for...
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Reply from Phil Scaglia
February 4th, 2026 03:46 PM
Helping great customers like you is why I'm in this business. Thank you so much for trusting us with your new home loan and for the great feedback.
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Jeff is great and was super helpful throughout the refinancing process. Thank you, Jeff!
Reply from Jeff Krueger
January 30th, 2026 04:13 PM
I'm glad to hear I could assist you effectively during the refinancing process, Samantha. Your feedback is appreciated, and I'm here if you need anything in the future. Thank you again as I enjoy working with you and am glad we were able to...
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Great shad was the best
Reply from Shad Lager
February 4th, 2026 03:35 PM
I really appreciate the feedback and look forward to working with you again.
Jim Yarrington has received a review with 5 star rating from Zach L
Reply from Owner
February 28th, 2026 12:00 AM
Thank you, Zach, for the 5-star review! We truly appreciate your support and the opportunity to work with you.
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I have worked with Russ on several mortgage loans. He communicates very well and is always tremendously helpful. I will continue to work with him in the future and will recommend him to family and friends as well.
Reply from Russ Bray
February 3rd, 2026 07:06 PM
Your positive review made my day! I’m thrilled that you had a great experience with us. It means a lot to our team to know that our efforts are appreciated. Thank you for the kind words.
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Communication is always the key success of any business transaction and Phil is one of the best at communicating and following up to ensure a smooth process.
Reply from Phil Scaglia
February 3rd, 2026 03:13 PM
Thank you for taking the time to share your experience. If I can be of further assistance to you, or your family and friends, please let me know.
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West Clay
West Clay has received a review with 5 star rating from Vicki C
Reply from Owner
March 2nd, 2026 12:00 AM
Thanks so much, Vicki! We’re grateful for your 5-star rating and are glad you chose First State Bank Mortgage.
My experience working with Gerry was amazing! He was on top of everything and answered all my questions, and was very thorough! Thank you!
Reply from Gerry Phillips
January 29th, 2026 02:08 AM
It was a delightful experience to work alongside you on this journey, Brendan. You are an awesome guy and Dugan's is SO lucky to have you as part of their organization!
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Process was very smooth and quick
Reply from Jeff Krueger
January 30th, 2026 04:12 PM
I'm glad to hear that the process went smoothly and quickly, Daniel. Streamlining experiences for clients is something I strive for, and I appreciate you taking the time to share your feedback. If you have any further questions or need assistance...
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Jenny knows her sh-t!!!
Reply from Jenny Zillner
February 2nd, 2026 09:40 PM
I’m delighted to receive your positive feedback! We strive to provide exceptional service, and your review encourages us to keep up the good work. Thank you!
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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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