
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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Terry and Peter stepped in to help us on a tight deadline when another lender was not being completely forthcoming about everything. Despite reaching out on a Friday night (shortly after a small panic attack), Terry had information for me in...
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Reply from Terry & Peter O'Neill
September 7th, 2024 06:05 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.
Jeff’s experience and positive attitude made all the difference in our home purchase.
Reply from Jeff Krueger
September 3rd, 2024 02:50 PM
Terry & Judith...It was a pleasure working with you again as I appreciate your trust and am glad everything worked out for you both. Jeff
Phil made the process very easy for our first time buying a home! We felt as though we got great advice and he lead us in the right direction.
Reply from Phil Scaglia
September 7th, 2024 02:03 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.
Matt and his whole team was great
Reply from Matt & Betsy Maassen
September 7th, 2024 11:12 AM
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.
He was very helpful and accommodating when I was having computer problems and had to come in to sign documents. He kept me on track and help me meet all deadlines to ensure my loan. Now I’m in my dream home
Reply from Chris Lee
September 3rd, 2024 12:18 AM
Thanks for the nice comments Jamie! I really appreciate it!
Jim Yarrington has received a review with 5 star rating from Spencer L
Reply from Owner
October 3rd, 2024 12:00 AM
Spencer, we appreciate your review!
Randy Robinett has received a review with 5 star rating from Kenny M
Reply from Owner
October 3rd, 2024 12:00 AM
We appreciate the five stars, Kenny!
We have used MIndy and Carol's services multiple times and find them to have great communication, effectively assisting us even through difficult situations - making sure closings happen that without their assistance would not have happened...
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Reply from Mindy Primm
September 3rd, 2024 06:23 PM
Thank you so much for your kind words and for your loyal business! You make our jobs easy and joyful to have such excellent clients. We appreciate the opportunity to serve you!
Prompt communication when significant changes happened, such as when rates dropped for housing. Patience when working with an unresponsive investment company while trying to close on a mortgage
Reply from Tracy Geer
September 6th, 2024 04:17 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.
Rick made himself available to us whenever we needed him. When working on a timeline is was comforting to know he would respond quickly and help when needed.
Reply from Rick Whisman
August 30th, 2024 04:30 PM
Brooke, thanks so much for your feedback! It was great assisting you and Jacob with the financing of your first 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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