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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I have been your customer for over 15 years. Mr. Bray is a excellent loan officer. He always giving me a good advice. He and his team has a great communication with me during the loan process.
Reply from Russ Bray
November 24th, 2025 07:03 PM
Thank you Alfred! I enjoy working with you both each time. I am impressed with the home and wish you the best for years to come while you enjoy it. It is nice to see a 10-15 year plan play out like this!
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First State Bank of St. Charles
I had 3 different loans with First State Bank. All are very positive. Reasonable interest rates, and good service.
Reply from Owner
October 3rd, 2025 12:00 AM
One of the biggest compliments you could give is repeat business. We are thankful to have earned that from you, Alfred!
His communication and his advise durring the process was very good
Reply from Matt & Betsy Maassen
November 27th, 2025 09:15 PM
Thanks for the great feedback. I hope you enjoy your new home!
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Communication was wonderful every step of the way. The process went very smoothly without any kinks! I highly recommend Barry and his group!
Reply from Barry Allen
November 27th, 2025 04:41 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
The communication and advice from Don was excellent. He helped us when we had questions or concerns.
Reply from Don MacPherson
November 27th, 2025 04:12 PM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
Matt is very good at explaining every little detail of the mortgage process. He was also fun to work with so was a pleasant experience.
Reply from Matt & Betsy Maassen
November 27th, 2025 03:48 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
Chris Laughlin was wonderful. He made sure that I always knew what was happening, and I knew what to expect next. Who knew that borrowing money for a new house could be this nice? Thank you Chris and First State Bank.
Reply from Chris Laughlin
November 24th, 2025 05:36 PM
Kelly: Thank you for the kind review, and for allowing us to assist you with your home financing. I hope you love the new house!
thorough and detailed explanations. Also, Chris went above and beyond and answering all our questions concerns and made the process extremely smooth.
Reply from Chris Laughlin
November 24th, 2025 05:37 PM
Kumar: It's always a pleasure working with a like-minded client. Your thoroughness and attention to detail made my job easy. Thank you for allowing us to assist you with the purchase of your new home.
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Quick, efficient trasaction with great communication all the way through.
Reply from Jeff Krueger
November 24th, 2025 11:46 PM
Rick...Thank you for your kind words as I appreciate your s and Cathy's trust in me and am glad you guys were able to get a better deal on your home than you originally started. Enjoy your new place.
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Chesterfield
Melissa was awesome with helping me with my helix. I highly recommend there services.
Reply from Owner
December 4th, 2025 12:00 AM
Thank you, Mark! We’re glad to hear Melissa provided awesome support with your HELOC. We appreciate your recommendation and are grateful for the opportunity to assist 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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