
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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Reviews from Web
I had used five different financial institutions. Russ is the best financial officer I had met. Very professional, tuned to what I need and delivered. Great communicator through out the loans process. Thanks Russ.
Reply from Russ Bray
May 25th, 2025 09:12 PM
I enjoyed working with you on your home refinance. Thanks for the great feedback.
Ron always made himself available. He is knowledgeable regarding the process and stayed in constant communication making the process much easier
Reply from Ron Ruzicka
May 25th, 2025 08:43 PM
I really appreciate the feedback and look forward to working with you again.
Professional, transparent and responsive
Reply from Brad Fink
May 25th, 2025 06:14 PM
Thank you for the kind words. I hope you enjoy making new memories in your new home.
Worked with us and got a great rate.
Reply from Rick Whisman
May 20th, 2025 06:04 PM
Zach, thanks so much for your feedback and enjoy your home!
Very responsive, friendly, and helpful!
Reply from Phil Scaglia
May 25th, 2025 05:17 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
Melissa and Carol were efficient and great communicators. Thanks for such a smooth transaction!
Reply from Melissa Maxwell
May 25th, 2025 02:48 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
Everything
Reply from Chris Laughlin
May 20th, 2025 07:26 PM
Marcus: It was a pleasure helping you and Marcella with the purchase of your new home!
Phil's communication and support were great throughout the process of buying our home. The tools used by First State Bank make it easy as well. Thanks, Phil!
Reply from Phil Scaglia
May 25th, 2025 02:13 PM
Thanks for the great feedback. I hope you enjoy your new home!
Excellent communication, Phil clearly and thoroughly understood each part of the process, fast closing
Reply from Phil Scaglia
May 25th, 2025 01:42 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Ron and his team were extremely professional, knowledgeable, and helpful through the whole entire process.
Reply from Owner
July 4th, 2025 12:00 AM
Justin, thank you for your awesome review! We are glad Ron and our team could assist you.
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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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