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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Russ helped me all throughout the refinancing process. He kept his communication clear and made time to walk me through the process and how a refinance works as a first time homeowner. Also, I appreciated his availability to work and accomadate...
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Reply from Russ Bray
November 13th, 2025 06:05 PM
Thanks Corey. It was good working with you and I will be in touch with you very soon as rates settle into the new year. Best of luck finishing up on the home improvement project!!
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We were navigating the process without a realtor and Todd was very communicative and patiently explaind the process and next steps. We truly appreciated the guidance and support and ease of doing business.
Reply from Todd Hedger
November 12th, 2025 02:14 PM
I'm glad to hear that my communication and support made navigating the process easier for you without a realtor. Congratulations on your new home and if there's anything more, I can assist you with, please feel free to reach out.
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First State Bank of St. Charles
First State Bank of St. Charles has received a review with 5 star rating from Corey N
Reply from Owner
December 3rd, 2025 12:00 AM
Corey, we’re grateful for your 5-star rating! Thanks for choosing us.
Tracy was extremely helpful, patient, and kept us on track!
Reply from Owner
December 3rd, 2025 12:00 AM
Thank you for the review, Jonathan!
First State Bank’s mortgage lending team was a dream to work with starting with the loan application process where fact finding was made easy via their online application to assistance with acquiring the needed financial data and quick responses...
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Reply from Owner
December 3rd, 2025 12:00 AM
Thanks so much, Daniel! We’re thrilled Martin and the team could help you find the perfect loan for your new home.
This was our 1st home and we were doing it without a realtor. Todd’s wealth of knowledge and professionalism was such a great supper. He was communicative, patient, and explained the process and next steps. We truly appreciated that extra support...
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Reply from Owner
December 3rd, 2025 12:00 AM
Brandy, thank you for sharing your experience! We’re thrilled Todd and Roni could support you through your first home purchase.
Jim Yarrington has received a review with 5 star rating from Matthew T
Reply from Owner
December 3rd, 2025 12:00 AM
Matthew, we’re so grateful for your 5-star rating—thank you!
Melissa is great we consider her a friend always responds back quickly
Reply from Melissa Maxwell
November 16th, 2025 09:34 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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Michelle Leesmann
Michelle was attentive to all of our questions. She was friendly and made the process easy.
Reply from Michelle Leesmann
November 16th, 2025 03:10 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!
Thank you!
Reply from Matt & Betsy Maassen
November 17th, 2025 02:37 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
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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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