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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Communication, Communication, communication! We had instant response to our questions and never any hesitation to explain anything as often as needed.
Reply from Kim Schultz
November 9th, 2025 03:15 PM
Thanks Melissa! Enjoyed worked with you and Zach, and so happy everything came together!
Wishing you both all great things in your darling new home!
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Kelly and Barry were so helpful to get me feeling comfortable & supported throughout the process. Both of them had such great communication with super quick responses to any and all of my questions.
Reply from Barry Allen
November 13th, 2025 03:57 PM
Thank you for your great review! I’m delighted to hear that you had such a positive experience with us. Your satisfaction is our ultimate reward, and we can't wait to provide you with exceptional service again in the future.
Melissa was extremely helpful and knowledgeable. She was also bery very patient with my husband and I in regard to our lack of experience with using the "portal". We are so pleased with the way Melissa took care of us , in fact we have just...
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Reply from Melissa Maxwell
November 13th, 2025 03:53 PM
Thank you for the 5-Star review. If you need anything, feel free to give us a call.
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Phil and the entire team were so helpful and made me feel confident and comfortable purchasing my first home. I would strongly recommend working with him if you're in the market for a new home or mortgage.
Reply from Phil Scaglia
November 13th, 2025 03:20 PM
Your positive review made my day! I’m thrilled that you had a great experience with us. It means a lot to our team to know that our efforts are appreciated. Thank you for the kind words, and we hope to see you again soon.
Jim Yarrington has received a review with 5 star rating from Matthew E
Reply from Owner
November 29th, 2025 12:00 AM
We appreciate the 5-star rating, Matthew—thanks for choosing us!
for
Ron Ruzicka is the most amazing person to work with. Professional, great communiacter, cares, follows up on every detail, very thorough and solution oriented.
Reply from Ron Ruzicka
November 12th, 2025 09:19 PM
Thank you for taking the time to share your experience. If I can be of further assistance to you, or your family and friends, please let me know.
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We have used Russ more than once and have recommended him to multiple
Reply from Russ Bray
November 10th, 2025 05:07 PM
Thanks Bret! Hope you and Rhonda enjoy the new home. I will send you an updated preapproval for next year also!!!!
Chris was very communicative, thoughtful, and took the time to make sure we understood the all the details with such a complicated process. This is our second time working with Chris and only have great things to say!
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Reply from Chris Laughlin
November 7th, 2025 08:44 PM
Thank you Tyler for the kind words, and for trusting our team to take care of the mortgage for you again.
Chris Laughlin was very communicative, thoughtful, and took the time to make sure we understood the all the details with such a complicated process. Karen was prompt and kind—a great partner in the loan world. They both treat clients with the...
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Reply from Owner
December 3rd, 2025 12:00 AM
Tyler, thank you so much! We’re thrilled to hear Chris and Karen made the process smooth again. We appreciate your trust and repeat business!
Was one of the best teachers we had at career education he taught us some very important things about becoming a real estate agent
Reply from Owner
November 7th, 2025 05:23 AM
Kayla, you are too kind. Wow, how fun was that to go off script 1st thing and discuss [in technical terms] where mortgage interest rates will be. And you are correct, those who purchase now at the end of 2025 will be the winners and not get...
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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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