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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Russ made the whole process so smooth and easy to understand and was available to answer any questions that we had.
Reply from Russ Bray
January 28th, 2025 10:07 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
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Everything was so simple and easy- Phil was able to get me right where I wanted to be with my total monthly payment and loan approval! HIGHLY RECOMMENDED!
Reply from Phil Scaglia
January 28th, 2025 05:40 PM
Thanks for the great feedback. I hope you enjoy your new home!
Jim Yarrington has received a review with 5 star rating from Jamie
Reply from Owner
October 3rd, 2025 12:00 AM
Thanks for sharing your review, Jamie!
Good communication and easy to work with
Reply from Don MacPherson
January 27th, 2025 06:29 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
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Robert was incredibly responsive, friendly, professional and knowledgeable! I would highly recommend him to all my family and friends. I look forward to doing business with him in the future!
Reply from Robert Hill
January 26th, 2025 06:00 PM
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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Quick responses, clear communcation.
Reply from Phil Scaglia
January 25th, 2025 12:19 AM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
Jim Yarrington has received a review with 5 star rating from Ryan S
Reply from Owner
October 3rd, 2025 12:00 AM
We appreciate your review, Ryan!
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Jeff was extremely easy to work with and kept an excellent timeline so we would have no issues at closing
Reply from Jeff Krueger
January 24th, 2025 03:18 PM
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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Phil was very knowledgeable and responsivery.
Reply from Phil Scaglia
January 23rd, 2025 07:44 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.
Thanks so much Jenny!
Reply from Jenny Zillner
January 23rd, 2025 04:46 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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