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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Rick was very kind towards us and helped us understand everything we needed to know in order to make the financially best decision about our loan.
Reply from Rick Whisman
October 1st, 2026 07:45 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.
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Fantastical
Reply from Jeff Krueger
September 25th, 2026 10:57 PM
David, I'm glad to hear you had a great experience with me at First State Bank of St. Charles. Your feedback is appreciated, and I look forward to assisting you in the future. Hopefully this market turns again where we can get your payment...
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We can say enough nice things about Ron and all of his help with our HELOC. He truly cares about his customers and is very honest man. Ron is someone you can trust with all of your financial needs.
Reply from Ron Ruzicka
September 30th, 2026 07:24 PM
Helping great customers like you is why I'm in this business. Thank you so much for trusting us with your home refinance and for the great feedback.
We could not have asked for a better experience as first time omebuyers. Thank you!!!
Reply from Kelly Whitwood
September 25th, 2026 10:23 PM
Thank you Windy! You and Kevin were wonderful to work with! Enjoy your new home!
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Phil was very knowledgeable about CA, quick to respond to any text/phone call, and walked us through every step of the process I would highly recommend Phil
Reply from Phil Scaglia
September 30th, 2026 05:17 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
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Enjoyed working with Martin - felt confident in his knowledge and experience.
Reply from Martin Still
September 25th, 2026 04:26 PM
Thank you Marcy. It was a pleasure working with you and Chuck! Congratulations on your new home.
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Smart and attentive. Personable too.
Reply from Phil Scaglia
September 30th, 2026 03:06 PM
Helping great customers like you is why I'm in this business. Thank you so much for trusting us with your new home loan and for the great feedback.
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Fast and efficient communication. Phil was available almost immediately or within a very reasonable time when contacted. Extremely professional and knowledgeable.
Reply from Phil Scaglia
September 30th, 2026 02:26 PM
I really appreciate the feedback and look forward to working with you again.
I have known Steve for years, and trusted he knew what he was talking about. He was very knowledgeable and was quick to respond to any and all questions we had along the way.
Reply from Steve Carrico
September 30th, 2026 02:06 PM
Thank you for the kind words. I hope you enjoy making new memories in your new home.
Great experience with my husband as first time buyers!
Reply from Owner
October 13th, 2026 12:00 AM
Thank you, Windy! We’re so glad you and your husband had a great experience as first-time homebuyers. Congratulations on 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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