
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
We so appreciate Tracy's expertise and how she takes the time to assess the circumstances that would be best for us She is so knowledgeable about the market, and she is really good at explaining what we need to consider She obviously enjoys...
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Reply from Tracy Geer
February 20th, 2025 02:33 AM
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.
Communication - very responsive, seldom seen elsewhere.Patience / tact- answering questions with alacrity, going over the same thing several times to make sure I had a clear understanding of all the math and changes as the process moved on....
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Reply from Ashley Jones
February 17th, 2025 02:41 PM
John, thank you so much for your kind words! It was a pleasure working with you, and I'm glad to hear that you appreciated the communication and patience throughout the process. I'm thrilled that I could help clarify things for you and ensure...
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Ron has the buyer's best interested in mind. He's personable and pleasant to work with.
Reply from Ron Ruzicka
February 19th, 2025 05:58 PM
Thank you for your great review! I’m delighted to hear that you had such a positive experience with us. Your satisfaction is our ultimate reward, and we can't wait to provide you with exceptional service again in the future.
Jeff has helped me with multiple loans and he did a phenomenal job walking me through the process to close quickly with very competive rates. I'm sure we will do more business together. Highly recommended.
Reply from Jeff Krueger
February 14th, 2025 04:27 PM
Bryan...Thank you again for the Trust you have in me and appreciate how organized you are and making things happen so quick. I am glad this place works out for you and look forward to grabbing a drink with you as it was great to finally meet...
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Don did an incredible job talking us through the process of our loan, answering our questions, and providing advice.
Reply from Owner
October 3rd, 2025 12:00 AM
Jeff, thank you for sharing your experience with Don! Please let us know if we can be of service in the future.
Chris is terrific and always willing to adjust his schedule and approach to meet the needs of the client.
Reply from Chris Laughlin
February 13th, 2025 03:38 PM
Thank you for allowing us to take care of the loan for you!
Melissa was wonderful through the entire process. She communicated effectively and efficiently. She is wonderful to work with!!
Reply from Melissa Maxwell
February 17th, 2025 03:38 PM
Your positive review made my day! I’m thrilled that you had a great experience with us. It means a lot to our team to know that our efforts are appreciated. Thank you for the kind words, and we hope to see you again soon.
Ron was always available and always answered my questions It didn't matter if it was after hours or on the weekend, he would still make himself available Exceptional service!
Reply from Ron Ruzicka
February 17th, 2025 02:19 AM
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.
Just how easy Kelly was to talk to and connect with. it made the whole process feel easier I knew I could trust Kelly
Reply from Kelly Whitwood
February 11th, 2025 07:08 PM
Thank you Heather! Wishing you all the best in your new home! It was a pleasure to work with you.
Matt was great to work with and was very helpful as well as knowledgeable. Overall a great experience on my end and Matt was very patient as our buying situation was a bit of turmoil on the sellers end.
Reply from Matt & Betsy Maassen
February 16th, 2025 06:28 AM
Thank you for the wonderful review! Making customers happy is our top priority, and I’m thrilled that we succeeded with you. I hope your enjoy your new home!
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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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