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 great, picked up the phone and called for quick questions/answers and was also wiling to talk about different scenarios /options when it cale came to down payment's. Also quick to reply via email, and send friendly reminders anout...
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Reply from Phil Scaglia
July 23rd, 2025 09:06 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!
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My wife & I were genuinely impressed with how easy this process was. Martin was responsive, punctual, and expeditious in moving the ball down field, answering questions, and keeping the train on the track. Martin's ability to anticipate our...
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Reply from Martin Still
July 18th, 2025 05:56 PM
Thank you for the kind words and positive response. It was great working with you both and congratulations on your new home!!
I have worked with Chris on the last three houses that I have bought and he has been excellent to work with on all three. He is very knowledgeable and thorough. He takes the time to explain everything associated with the loan process along...
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Reply from Chris Laughlin
July 18th, 2025 05:14 PM
Thank you for the kind words Eric. It was our pleasure putting the mortgage together for you!
We had a great experience with them. They were so easy to work with and easy to communicate with. The documents were eay to sign and they were easy to get in touch with if had any additional question. Highly recomend them to anyone!! You will...
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Reply from Terry & Peter O'Neill
July 23rd, 2025 02:34 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.
Phil was great - available late on a Friday evening or over the weekend. He was quick to provide responses via email or phone call, but also took the time to discuss different down payment’s options. Honestly, a very great experience and will...
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Reply from Owner
October 3rd, 2025 12:00 AM
We're thrilled to hear that Phil provided the level of service and availability you needed, even outside of regular hours. We truly appreciate your recommendation to family and friends—it means the world to us!
Jim Yarrington has received a review with 5 star rating from Jennifer S
Reply from Owner
October 3rd, 2025 12:00 AM
Jennifer, thank you for the great rating!
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St. Charles
This is the worst bank I’ve ever had, period. I’ve had several major issues in the year and a half I’ve used them. First strike was my mortgage being sold off out of state without me knowing, I found out by letter. Second was them not servicing...
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Reply from Owner
December 5th, 2025 12:00 AM
Derek, We’re very sorry to hear about your experience and appreciate you taking the time to share your feedback. We understand how important it is to feel supported and informed when managing your accounts and we’re sorry that we missed that...
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Phil helped us navigate the financing process and presented a package that let us sell our existing house and buy a new one simultaneously . we hadn't bought A house in 25 years, and were a little rusty on mortgage loans Phil was patient with...
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Reply from Phil Scaglia
July 22nd, 2025 10:41 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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It was a grea experience
Reply from Rick Whisman
July 19th, 2025 06:07 PM
Payal, thank you for your input. I am glad that I was able to help you achieve your targeted rate.
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Russ was attentive, always responded to my questions, even on weekends. He was knowledgeable in what he could offer and strategic with locking in an interest rate. He was awesome to work with
Reply from Russ Bray
July 22nd, 2025 06:44 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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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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