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 is incredibly knowledgeable, responsive, and kind. He made the mortgage process smooth and stress-free—even when we hit a few snags along the way. This was our third transaction with Phil, and we highly recommend him!
Reply from Phil Scaglia
June 8th, 2025 08:55 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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Roger......
Reply from Todd Hedger
June 3rd, 2025 03:49 PM
We appreciate your review and thank you for the 5 stars!
Throughout this whole process my health went down fast. Y'all were patient and able to maneuver things around and we were able to get it done and I really appreciate it. Y'all are the best!
Reply from Nathan Grojean
June 8th, 2025 03:44 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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Responsive. Professional. Engaged. Friendly.
Reply from Todd Hedger
June 3rd, 2025 04:17 PM
Thank you for your kind words, Jay. I'm thrilled to hear that you found our service responsive, professional, and friendly. It was a pleasure working with you, and I appreciate your feedback.
Chris was extremely helpful and very thorough with explinations and communications. Easiest loan/mortage i have ever done.
Reply from Chris Laughlin
June 3rd, 2025 03:22 PM
Mark: you were extremely helpful and very thorough with the information and documentation you provided us. Clients can make a huge difference in how easy / complicated it is for us to get a mortgage approved. Thank you for being a fantastic...
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Kelly guided me through the process and brought her considered experience in when our tough decisions required. For all of that, I am grateful.
Reply from Kelly Whitwood
June 3rd, 2025 03:54 PM
Thank you so much for the kind words, Mary. It was a pleasure to work with you and wish you all the best in your new home!
Outstanding service. Great people to work with.
Reply from Owner
October 5th, 2025 12:00 AM
Jay, thank you for the great review!
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Chesterfield
Chesterfield has received a review with 5 star rating from Samantha B
Reply from Owner
July 4th, 2025 12:00 AM
Samantha, we appreciate your review!
Jim Yarrington has received a review with 5 star rating from Erin M
Reply from Owner
October 3rd, 2025 12:00 AM
Thanks for the review, Erin!
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The whole process was so fast and easy, and communication was top tier
Reply from Russ Bray
June 3rd, 2025 03:28 PM
Thank you Sloan. I am glad it all worked out and wish you the very best moving forward!
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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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