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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We appreciated Tracy's commitment to helping us finance our new home. She used her knowledge and expertise to help us with the best options for our needs. Thank you so much, Tracy!
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Phil was amazing to work with! Very attentive and responds quickly. Always willing to make adjustments as needed. Really appreciate his expertise and advice. Would use him again in a heartbeat and definitely recommend to others.
Reply from Phil Scaglia
November 12th, 2026 03:06 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.
Chris communicated with us consistently throughout the different phases of our loan process. He was kind and very informative. He took the time to break down every step piece by piece and this was especially valuable in our experience as first...
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Reply from Chris Laughlin
November 7th, 2026 05:30 PM
Chelsea: Thank you for the kind review, and allowing us to take care of the mortgage for you.
Nathan responded knowledgeably to my many questions with patience, no matter how trivial. He was great to work with and helped make the process go very smoothly. Thanks, Nathan!
Reply from Nathan Grojean
November 12th, 2026 05:03 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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Chesterfield
Chesterfield has received a review with 5 star rating from Diane T
Reply from Owner
November 11th, 2026 12:00 AM
Diane, we’re so grateful for your 5-star rating—thank you!
Jim Yarrington has received a review with 5 star rating from Cate C
Reply from Owner
November 11th, 2026 12:00 AM
Thank you for the 5-star rating, Cate! We appreciate the opportunity to work with you.
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Quick, clear commuinaction
Reply from Phil Scaglia
November 11th, 2026 03:03 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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This is our second time working with Ron. Both times have been excellent! Ron is very professional, personable, thorough, and timely. His staff is also very kind and quick to respond to any questions we had.
Reply from Ron Ruzicka
November 10th, 2026 04:08 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.
Interupter is fairly she has no ASL certificate . Should have fluent ASL certificate . We honestly we didnot understand. just disappointed
Reply from Doreen Hansen
November 10th, 2026 04:04 PM
Thank you for the opportunity to assist you with your new home purchase. Please let me know if you have any questions.
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Jeff was very professional and the entire process was totally painless and very fast.
Reply from Jeff Krueger
November 5th, 2026 10:05 PM
I'm glad to hear that your experience was smooth and efficient, Margarita. We strive to make the process as seamless as possible for our clients. I enjoyed getting together with you and Alex. I hope you guys get a lot of joy in 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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