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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Ease of the process
Reply from Scott and Traci Turner
February 27th, 2025 09:49 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
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Attentive, honest, and professional. It's always great to work with Tracy!
Reply from Tracy Geer
February 27th, 2025 03:18 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
Phil and the team we worked with were outstanding in communication and keeping us informed which made the home buying process less stressful. Would definitely recommend.
Reply from Owner
October 3rd, 2025 12:00 AM
Jourden, thank you for the great review! We’re so happy you had a great experience with Phil and our home lending team!
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never a lack of communication, I felt informed throughout the entire process.
Reply from Phil Scaglia
February 25th, 2025 04:54 PM
Thanks for the great feedback. I hope you enjoy your new home!
As a first time home buyer, I had a surplus of questions - all of which Annette handled with patience and grace. I feel confident about the home buying process now, because she took the time to educate me, and prepare me for future purchases...
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Reply from Annette Bealmear
February 23rd, 2025 04:23 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
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It's difficult to understate my satisfaction with the white-glove service I received from Phil. I was a first time homebuyer with a newborn. He helped me through the buying and loan application process and was available at any time. He was...
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Reply from Phil Scaglia
February 23rd, 2025 01:39 AM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
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First State Bank of St. Charles
As a first time home buyer, I had a surplus of questions - all of which Annette handled with patience and grace. I feel confident about the home buying process now, because she took the time to educate me, and prepare me for future purchases...
read more
Reply from Owner
October 3rd, 2025 12:00 AM
Thank you, Danielle, for sharing your review. We enjoy hearing what our customers have to say and we are happy that Annette was able to assist you. Congratulations on your new home!
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Phil was great to work with! He communicated consistently and clearly and made the process seamless.
Reply from Phil Scaglia
February 22nd, 2025 07:38 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
Nathan is direct and upfront.
Reply from Nathan Grojean
February 22nd, 2025 01:01 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.
Great communication always and even when Matt was sick, he was willing to talk.
Reply from Matt & Betsy Maassen
February 20th, 2025 12:20 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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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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