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

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

Saint Charles, MO
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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
Mortgage
Mortgage Loan Officer
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Contact Info
(888) 287-2175
Saint Charles, MO
https://fsbfinancial.com/
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5 Star
97%
4 Star
2%
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Reviews from Web
  • for
    Ron Ruzicka
    Encompass
    W
    William S
    SAINT LOUIS, MO
    Posted on December 17th, 2025 09:56 PM
    Very responsive and patient
    Reply from Ron Ruzicka
    December 22nd, 2025 09:56 PM
    It was great working with you to refinance your home loan. Thanks again for putting your trust in us.
  • for
    Martin Still
    Encompass
    S
    Steven M M
    PAOLA, KS
    Posted on December 17th, 2025 08:56 PM
    We were able to close quickly, with no issues. Martin and his team were great to work with.
    Reply from Martin Still
    December 22nd, 2025 08:57 PM
    Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
  • for
    Jim Yarrington
    google
    S
    Steve M
    Posted on December 17th, 2025 12:00 AM
    Able close quickly with no issues,
    Reply from Owner
    January 3rd, 2026 12:00 AM
    Steve, we appreciate your support—thanks for the 5 stars!
  • for
    Ashley Jones
    Encompass
    S
    Sofie C
    KANSAS CITY, MO
    Posted on December 16th, 2025 09:42 PM
    Everyone I talked to on the team was nice and understanding. They answered all of my questions and helped me understand all of the aspects of buying my first home!
    Reply from Ashley Jones
    December 17th, 2025 12:55 PM
    I'm glad to hear that you found everyone on the team to be nice and helpful, Sofie. It was important to me that all your questions were addressed and that you felt confident in understanding the home buying process. If there's anything else...
    read more
  • for
    Phil Scaglia
    Encompass
    L
    Lily S
    Prairie Village, KS
    Posted on December 16th, 2025 03:31 PM
    Phil makes it easy!!
    Reply from Phil Scaglia
    December 22nd, 2025 07:37 PM
    Your positive review made my day! I’m thrilled that you had a great experience with us. Providing exceptional experiences for our customers is what we strive for, and your feedback motivates us to keep pushing forward.
  • for
    Ron Ruzicka
    Encompass
    M
    Michael P S
    LAKE SAINT LOUIS, MO
    Posted on December 16th, 2025 03:07 PM
    Ron and his team were wonderful! I was in the loop at every point. Things moved along quickly and I got a great rate. Thanks Ron!
    Reply from Ron Ruzicka
    December 22nd, 2025 03:34 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
    Chris Lee
    Encompass
    J
    Jeffrey J B
    ROCKY MOUNT, MO
    Posted on December 16th, 2025 03:27 AM
    Chris made the process easy and was great to work with I appreciate all his help with our refi
    Reply from Chris Lee
    December 16th, 2025 09:54 PM
    Thanks for the nice words Jeff!
  • for
    Chesterfield
    google
    M
    Mike S
    Posted on December 16th, 2025 12:00 AM
    Ron and his team were wonderful! I was in the loop at every point. Things moved along quickly and I got a great rate. Thanks Ron!
    Reply from Owner
    January 7th, 2026 12:00 AM
    Thank you so much for the kind review! We’re thrilled to hear that Ron and the team kept you informed every step of the way and helped things move along smoothly. We truly appreciate you choosing us and wish you all the best in your new home!...
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  • for
    The O'Neill Team
    Encompass
    R
    Ronald L B
    FREDONIA, KS
    Posted on December 15th, 2025 09:13 PM
    Terry & Peter made the process very easy. Clearly explained everything along the way, quickly answered all of our questions, and presented themselves in a very professional manner. I would not hesitate to use them again.
    Reply from Terry & Peter O'Neill
    December 22nd, 2025 03:16 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
    Matt & Betsy Maassen
    Encompass
    Z
    Zachary M C
    TROY, MO
    Posted on December 15th, 2025 06:27 PM
    Very friendly staff and Matt was very flexible and open on his communication
    Reply from Matt & Betsy Maassen
    December 22nd, 2025 08:17 PM
    Your positive review made my day! I’m thrilled that you had a great experience with us. Providing exceptional experiences for our customers is what we strive for, and your feedback motivates us to keep pushing forward.
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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

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