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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Don was very good at communicating and helping assist throughout the process.
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West Clay
West Clay has received a review with 5 star rating from D
Reply from Owner
September 24th, 2026 12:00 AM
Thank you for the 5-star rating! We appreciate you choosing First State Bank Mortgage and taking the time to share your support.
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I’ve worked with Phil on numerous purchase and refinance transactions over the past 20+ years, and he continues to exceed my expectations every single time. He has an amazing talent for taking complex, high-stakes deals and making them feel...
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Easy experience
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I am unhappy that our loan was sold to Rocket Mortgage when Barry knew we were going to recast the mortgage as soon as possible after the sale of our previous house. Rocket Mortgage has been a nightmare to deal with.
Smooth... no stress at all!
Although so many things kept popping up Peter did everything in his power to make our loan happen.
Reply from The O'Neill Team
September 21st, 2026 03:48 PM
Thanks Bobbi, we were so happy to assist you all to purchase your new home. Enjoy!!
You both made this experiance amazing, through great communication and helping my fiance and I understand the process!
I’ve worked with Phil on numerous purchase and refinance transactions over the past 20+ years, and he continues to exceed my expectations every single time. He has an amazing talent for taking complex, high-stakes deals and making them feel...
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Reply from Owner
September 25th, 2023 12:00 AM
Brook, we are glad to hear Phil provided you with top-notch service! We appreciate the feedback!
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He always answered my questions.
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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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