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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Phil was a great communicator throughout the entire process. He also provided great advice.
Reply from Owner
October 3rd, 2025 12:00 AM
Thank you, Kelly! We’re happy to hear Phil’s communication and guidance made the process a positive experience for you. We truly appreciate your feedback and recommendation.
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Chesterfield
Update 09/25 Ron is amazing. He is always available, calm, present and has all the information you need. He is quick and dedicated to getting the right loan for you every time.
Working with Ron Ruzicka was a breeze!
Reply from Owner
October 4th, 2025 12:00 AM
Thank you for the wonderful update, Laura! We’re so glad to hear that Ron’s dedication and guidance made the process smooth and stress-free. We appreciate your trust and kind words!
Pleasantness and knowledge extended to us from Matt
Reply from Matt & Betsy Maassen
September 28th, 2025 05:56 PM
I’m grateful for your kind words! It's wonderful to know that you had a terrific experience with us. Our team strives to deliver excellence, and your feedback motivates us to continue doing what we love.
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The team was incredibly friendly and helpful from start to finish. Everything was handled quickly and smoothly, which made the whole experience stress-free. I really appreciated the clear communication and professionalism.
Reply from Phil Scaglia
September 28th, 2025 02:40 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.
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It was such a smooth and efficient proces. Thanks so much!
Reply from Martin Still
September 23rd, 2025 02:17 PM
Thank you Nancy! Appreciated the opportunity to work with you again.
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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 Kathy C
Reply from Owner
October 3rd, 2025 12:00 AM
Kathy, thank you for the wonderful rating!
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Phile was very thorough and timely in explaining the details of our loan. He creates a very competent, trustworthy and friendly demeanor, followed by action. We valued his work with us very much.
Mack and Chris Harnden
Reply from Phil Scaglia
September 27th, 2025 08:23 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.
Easy process and great to work with
Reply from Maggie Rivera
September 27th, 2025 03:56 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.
too must electric info for an old goat like myself
Reply from Gerry Phillips
September 22nd, 2025 03:09 PM
Yes, the online age has taken over our industry for sure!
I look forward to putting together several Open Houses to get your existing condo at Cedar Glen SOLD! How about we start with a 2-5pm one this coming Saturday, 9/27/2025?
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Todd helped walk both me and my wife through every step of the closing process. And answered my calls anytime I had a question and was extremely nice everytime he answered!
Reply from Todd Hedger
September 22nd, 2025 03:42 PM
I'm glad to hear that you and your wife had a smooth experience throughout the closing process, Peyton. It’s important to me to be available and provide clear communication whenever you have questions. Thank you for your kind words, and please...
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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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