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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He was always willing to answer our questions. He found time for us, and made sure that we got the an excellant loan and interest rate. We wouldn't of been able to get the house of our dreams without Gerry!
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Reply from Gerry Phillips
March 16th, 2025 08:11 PM
Blake... You & Sydney have a terrific application and were a breeze to work with. You worked through the home buying process like CHAMPS! Hope you enjoyed your closing gifts I gave to your Mother-In-Law to deliver to you... sure hope she didn't...
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Gerry did an awesome job making sure that everything we needed was there for closing. The entire time he looked out for what was best for the client, and due to that, my husband and I trusted Anything he suggested ! couldn't suggest anyone...
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Reply from Gerry Phillips
March 16th, 2025 08:12 PM
Sydney...You & Blake were such a delight to work with.You just rolled on in cruise control and tackled the homebuying process with ease.... a very nice job!!Hope your mother didn't eat the cookies that were in your closing gift bag!! LOL
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Very clear communication throughout the process
Reply from Rick Whisman
March 17th, 2025 10:03 AM
Jon, thanks so much for your input and business. It was a pleasure working with you.
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Rick was personable, informed, and helpfully communicated and walked us through every step. I will be recommending him to anyone in need of these services
Reply from Rick Whisman
March 17th, 2025 02:59 PM
Jon, thanks so much for the kind words and your feedback on your experience. It was great getting to know you and Candace.
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Lake of the Ozarks
Gerry did a great job thinking of the customers first. You can really trust what he suggests!
Reply from Owner
October 6th, 2025 12:00 AM
Thank you for the kind words, Sydney! We’re happy your experience with First State Bank Mortgage and Gerry went well!
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Lake of the Ozarks
Great service! Our mortgage officer, Gerry Phillips, made getting a mortgage easy with very little stress. He also made sure we had the best loan, interest rate, and monthly payment based on our financial situation. He was easily accessible...
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Reply from Owner
October 6th, 2025 12:00 AM
Blake, thank you for the great review! We work hard to meet expectations like yours, and we’re happy to hear Gerry hit the mark for you. Please let us know if we can be of service in the future!
worked with us to find exactly the right product that would meet our needs. She really bent over backwards everybody that we worked with was so accommodating to our short timeframe. I would absolutely recommend Kelly and First state Bank.
Reply from Kelly Whitwood
March 18th, 2025 08:43 PM
Thank you Michele! I hope you both enjoy your new home at the Lake!
Happy Spring!
Communication and consistency
Reply from Chris Stecher
March 20th, 2025 03:40 AM
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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Thank you to Barry and his team for all their help with this process. Highly recommend this team to anyone.
Reply from Barry Allen
March 20th, 2025 02:22 AM
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.
Matt was extremely helpful and always answered any questions I had or clarified anything I was unsure about.
Reply from Matt & Betsy Maassen
March 19th, 2025 11:01 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.
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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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