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've been a customer of Ron's for many years. He's as always been extremely knowledgeable and helpful. Once again, this transaction has been painless. Thank you Ron!
Reply from Ron Ruzicka
October 20th, 2025 07:08 PM
Thank you for the wonderful review! Making customers happy is our top priority, and I’m thrilled that we succeeded with you.
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Its been a while we did a loan application and Beau guided us at every step and answered our questions diligently.
Reply from Beau House
October 20th, 2025 03:01 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
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Chesterfield
Chesterfield has received a review with 5 star rating from Dave V
Reply from Owner
November 4th, 2025 12:00 AM
Dave, your 5-star review means a lot to us—thank you!
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Lake of the Ozarks
Gerry Phillips and his team at First State Bank Mortgage helped me make the entire loan process simple and fast! I cannot thank them enough for all their hard work and dedication to my family!
Reply from Owner
November 2nd, 2025 12:00 AM
Thank you, Danielle! We’re so glad to hear that Gerry and his team made the loan process simple and stress-free for you. We truly appreciate your kind words and the opportunity to help your family!
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Russ was always accessible to assist and answer any questions we might have regarding th loan. We have used Russ in the past on several other loans and he is truly a Top Notch Professional. Russ will always be our First choice whenever considering...
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Reply from Russ Bray
October 13th, 2025 06:36 PM
Thank you Lee! It is always great working with you and Jeannie. One of these days I will join you on the golf course as well!!
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Chris's knowledge and communication through the process was amazing! Guided us with all the most important information to make the correct choice to fit our needs.
Reply from Chris Lee
October 20th, 2025 03:49 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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Rick is very helpful and super quick in his responses. He always makes sure you get the best deal.
Reply from Rick Whisman
October 13th, 2025 04:28 PM
Krish, thanks so much for your repeat business and taking the time to provide some feedback.
The availability and responsiveness of Jenny and her team made this process extremely smooth.
Reply from Jenny Zillner
October 20th, 2025 08:09 PM
Thank you for the kind words. I hope you enjoy making new memories in your new home.
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First State Bank of St. Charles
Russ Bray is the Best if you need to get a Home Loan Mortage.
Reply from Owner
November 3rd, 2025 12:00 AM
Thanks so much, Lee! We couldn’t agree more—Russ is one of the best! We appreciate you taking the time to share your experience.
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Efficient & helpful
Reply from Todd Hedger
October 17th, 2025 02:51 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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