
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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We used First State Bank Mortgage to purchase our first home together. They were not just kind and patient as we learned, but also explained everything in detail - what we were reading and what to expect. Chris’ professionalism was unmatched...
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Reply from Owner
August 7th, 2025 12:00 AM
Madeleine, thank you for your kind review! We are happy to have assisted you. Congratulations on your new home!
I'm not putting that much effort into this. It wa great. Period.
Reply from Michele Norris
May 30th, 2025 03:33 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.
Hecktic at times but so is all closing. Great working with you and all your hard work. Thank you for all you did.
Reply from Todd Hedger
May 27th, 2025 12:48 PM
I'm glad to hear that despite the hectic moments, the closing process went smoothly for you. It was a pleasure working with you, Stanley, and I appreciate your kind words about my efforts. Thank you for choosing First State Bank Mortgage.
Melissa was very personable from the beginning. No question was ever silly. She was always there if you needed her or didn't understand. She guided me every step of the way since this Was my first house I didn't understand to much and the numbers...
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Reply from Melissa Maxwell
May 27th, 2025 03:24 PM
Thank you Rachael! It was a pleasure working with you. Excited for you and your family!!
Chris made the transaction simple and seamless.
Reply from Chris Laughlin
May 25th, 2025 11:08 PM
Dan: Thank you for allowing us to take care of the loan for you. Welcome back to Kansas City!
As first-time homebuyers, we had a lot of questions—and Melissa was there every step of the way with clear, knowledgeable guidance. She was incredibly responsive and took the time to break down each part of the mortgage process so we felt confident...
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Reply from Melissa Maxwell
May 27th, 2025 03:24 PM
Thank you Lauren!!! Enjoy your new home!
very knowledgable explains everything well
Reply from Chris Laughlin
May 25th, 2025 11:08 PM
It was a pleasure working with you Marcela.
Chesterfield has received a review with 5 star rating from Lauren P
Reply from Owner
July 4th, 2025 12:00 AM
Thank you for the five stars, Lauren!
Brad Fink made getting a home mortgage so much easier than I expected and was always available if I had questions.
Reply from Owner
July 4th, 2025 12:00 AM
Norma, we are glad to hear that you had a great experience with Brad! Thank you for choosing First State Bank Mortgage!
Gerry was easy to work with prompt to repsond and understood everythign that we wanted to do and needed to have in place to get things completed. He was a huge help and a wealth of knowledge on every question we had even if it didnt directly...
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Reply from Gerry Phillips
May 21st, 2025 08:09 PM
Thanks, Chris... you and Angela were absolutely golden & a delight to work with.
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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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