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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Daniel and I are so so grateful you guys were able to be the ones to help us out! Having great people guide you through the process is worth it's weight in gold, thanks guys!
Reply from Scott and Traci Turner
December 5th, 2025 04:07 PM
Thanks Bailey! so happy for you two!
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Kim is a seasoned PRO and long time friend. Highly Recommend.
Reply from Kim Schultz
December 1st, 2025 03:27 PM
Thanks Scott and Ashlee! So thrilled to be able to assist with the refinance of your gorgeous new home!
Melissa was quick to respond to all of my questions or concerns throughout the whole process. She was easy to get a hold of and made the process simple and smooth.
Reply from Melissa Maxwell
December 6th, 2025 03:09 PM
Thank you for the 5-Star review. If you need anything, feel free to give us a call.
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Chris was very nice and patient with us.
Reply from Chris Lee
December 1st, 2025 10:57 PM
Thanks Jimmy! It was great working with you and I appreciate the compliment. Feel free to check in on the rates next year. As soon as they go low enough you can refinance and get your payment down further! Chris
Doreen Hansen was so responsive and helpful during the whole mortgage application process! A true professional!
Reply from Owner
December 3rd, 2025 12:00 AM
Thank you, Lisa! We’re so glad to hear that Doreen provided such responsive, professional support throughout your mortgage process. We truly appreciate you sharing your experience!
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I felt like Tracy was really trying to help me figure out what would be best for me. I didn't feel pressured at any time. I also appreciated how her estimates on costs were slightly over the actual costs, meaning there were only good surprises...
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Reply from Tracy Geer
December 8th, 2025 02:30 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.
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Barry always stayed on top of everything for us. He was friendly and accommodating. We are glad we made the switch over with Barry because we feel like we are working with someone who has our best interest in mind.
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Reply from Barry Allen
December 8th, 2025 06:43 PM
Thank you for your kind words! I’m thrilled to hear that you had a positive experience with us. We appreciate your support and look forward to serving you again soon.
Scott and Traci are knowledgeable and professional and kept my wife and I up to date and on track throughout the proces. we had a great experienc!
Reply from Scott and Traci Turner
November 30th, 2025 06:58 PM
thank you David! Glad to help!
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Russ is great to work with. When he knew I did not fully understand the breakdown of the numbers he took the time to explain everything a second time. He and Sandy helped me navigate my loan transfer that occurred during the refinancing process....
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Reply from Russ Bray
December 1st, 2025 04:30 PM
Thank you Allie! I enjoyed working with you as well and appreciate you allowing me to help!
I felt like Tracy was really trying to help me figure out what would be best for me. I didn't feel pressured at any time. I also appreciated how her estimates on costs were slightly over the actual costs, meaning there were only good surprises...
read more
Reply from Owner
December 3rd, 2025 12:00 AM
Thank you, Taylor! We’re thrilled to hear that Tracy made the process comfortable and transparent for you. It’s great to know her guidance, accuracy, and teamwork with your realtor helped create a smooth experience. We truly appreciate your...
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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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