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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There was no problems with the refinance of my house. Chris was very thorough and I feel that I got the best rate. I will use Chris and First State Bank Mortage again.
Reply from Chris Lee
December 16th, 2025 09:56 PM
Thanks for the compliment Dennis! Will continue to watch the market and will let you know when rates go down enough to make another refinance make sense...Chris
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Jeff was always available for questions. Quickly responded and was always professional. Great experience in a very complicated exercise.
Reply from Jeff Krueger
December 12th, 2025 07:07 PM
It's great to know that you had a positive experience, Stephen. I'm glad I could be there to assist and provide clarity through the process. If you have any more questions or need further assistance, feel free to reach out. Thank you for your...
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Chesterfield
Very good experience refinancing my house with Chris at First State Bank Mortgage.
Reply from Owner
January 4th, 2026 12:00 AM
Thank you, Dennis! We’re glad to hear you had a great refinancing experience with Chris and the First State Bank Mortgage team. We appreciate your trust and the opportunity to work with you.
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Chesterfield
Everything with our new home buying experience was awesome from our loan officer to the realtor to everyone else involved thank you thank you thank you
Reply from Owner
January 4th, 2026 12:00 AM
Thank you, James! We’re so glad to hear your homebuying experience was such a positive one. It means a lot to know our team and partners made the process smooth and enjoyable. Congratulations on your new home!
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Russell took the time to help us and also explain to us the loan on a second house. He helped us greatly in saving costs related to the loan. We were working with ZHL and did not understand the total costs with points and I called Russell and...
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Reply from Russ Bray
December 16th, 2025 06:18 PM
I really appreciate the feedback and look forward to working with you again.
Chris takes the time to explain what is needed and why. If he didn't have an answer, he found the answer and followed up. Many people don't take the time to make sure you understand and lack follow up. I really appreciate that about Chris,...
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Reply from Chris Laughlin
December 11th, 2025 07:50 PM
Shaquoya: I'm so happy your persistence with the appraisal issue worked-out to your benefit! I hope you have many happy years in the in the house. Let's keep an eye on interest rates together. If they go down enough, our bank has an option...
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Easy communication
Reply from Ron Ruzicka
December 11th, 2025 07:31 PM
Thanks for the great review. Happy Holidays!!
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Super helpful throughout the process, was great as a first time buyer to understand the fees, closing expectations and was super easy to communicate witht over text/phone
Reply from Phil Scaglia
December 16th, 2025 03:14 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
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Beau was amazing to work with and explained everything and was very open and informative with us every step of the way !!! Great job
Reply from Beau House
December 16th, 2025 04:00 PM
Thank you for the kind words. I hope you enjoy making new memories in your new home.
Phil was super helpful throughout the process, was great as a first time buyer to understand the fees, closing expectations and was super easy to communicate with over text/phone
Reply from Owner
January 3rd, 2026 12:00 AM
Thank you, Jonah! We’re so glad Phil could make your first-time homebuying experience clear and easy to navigate. Helping our clients understand every step is important to us—congratulations on your new home!
1381–1390 of 12232
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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