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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Competitive rate and great service
Reply from Chris Lee
July 8th, 2025 02:03 PM
Your positive review made my day! I’m thrilled that you had a great experience with us. Providing exceptional experiences for our customers is what we strive for, and your feedback motivates us to keep pushing forward.
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Chesterfield
Chesterfield has received a review with 5 star rating from Krishna G
Reply from Owner
July 14th, 2025 12:00 AM
Thank you for the positive rating, Krishna!
This is the second mortgage we've used Todd Hedger with First State Bank Mortgage for and he's been great both times. He took the time to find us the right mortgage given our situtation, communication has been great and the process very smooth....
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Reply from Owner
October 5th, 2025 12:00 AM
Marilyn, thank you for your continued trust in Todd and First State Bank Mortgage! We're so glad to hear he provided another great experience with clear communication and a smooth process. We truly appreciate your loyalty and kind words!
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Lake of the Ozarks
Very easy to work with.
Reply from Owner
October 5th, 2025 12:00 AM
Thank you for the kind words, John! We’re glad to hear your experience was easy and appreciate the opportunity to help you with your home loan.
Our loan was sold immediately after closing. The communication between people needs to be a lot better. We were not consulted upon making decisions. One day you are making a helix loan, next day a bridge loan to no loan. No communication.
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Reply from Terry & Peter O'Neill
July 7th, 2025 08:48 PM
Thank you for sharing your thoughts. We will use your feedback to identify areas where we can improve and provide a better experience in the future.
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Brad is amazing. He's somehow always available. Always friendly. Always on it. This is my second home loan through Brad. I refer him to any and everyone I can.
Reply from Brad Fink
July 7th, 2025 02:07 PM
Thank you for your kind words! It's encouraging to know that we exceeded your expectations. Our team works hard to ensure every customer feels valued, and your review reassures us that we're on the right track.
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Stephanie & Ron were both available at any time to answer any questions that I may have had during the process. They were very reassuring, detail oriented and kind!
Reply from Ron Ruzicka
July 7th, 2025 01:42 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.
Melissa and Carol were fantastic. They both were extremely quick at responding and answering any And all questions that I had. Melissa was extremely thorough this entire process. As a first time home buyer, I was nervous and a little stressed...
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Reply from Melissa Maxwell
July 7th, 2025 02:30 AM
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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Personal service, quick response
Reply from Beau House
July 6th, 2025 06:05 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.
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Todd assisted me for over a year with understanding what was needed and when to do it.
Reply from Todd Hedger
July 1st, 2025 04:48 PM
I'm glad to hear that I could assist you over the past year and provide you with the necessary guidance. Your satisfaction is important to me, and I appreciate your positive 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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