
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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Great communication! Seamless closing.
Reply from Tracy Geer
September 17th, 2023 05:07 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.
Phil was a pleasure to work with. He was always available to answer our questions and he made the loan process very easy to understand for first time home buyers like ourselves.
Reply from Phil Scaglia
September 17th, 2023 04:48 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.
From start to finish, my experience with Michael and Michelle at First State Bank was exceptional. The process was incredibly smooth from the beginning, with every step clearly outlined.What I value most from my experience is the lack of surprises....
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Reply from Owner
September 13th, 2023 07:32 AM
Tony, thank you for your thorough and detailed review! We really appreciate it. We are glad that Michael and Michelle were able to assist you throughout your home-buying experience. Please let us know if you need any assistance in the future!...
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From start to finish, my experience with Michael and Michelle at First State Bank was exceptional. The process was incredibly smooth from the beginning, with every step clearly outlined.What I value most from my experience is the lack of surprises....
read more
From start to finish, my experience with Michael and Michelle at First State Bank was exceptional. The process was incredibly smooth from the beginning, with every step clearly outlined.What I value most from my experience is the lack of surprises....
read more
Reply from Owner
October 8th, 2023 12:00 AM
Tony, thank you for your thorough and detailed review! We really appreciate it. We are glad that Michael and Michelle were able to assist you throughout your home-buying experience. Please let us know if you need any assistance in the future!...
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First State Bank Loan Officer, Tracy Greer, was very helpful and informative throughout our loan process.
Reply from Owner
October 3rd, 2023 12:00 AM
Thank you for your review, Vickie! We agree, Tracy is great!
The continued support and communication. Tracy Geer was so friendly and easy to talk with concerning any questions I had.
Reply from Tracy Geer
September 16th, 2023 10:08 PM
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.
Chris is very detailed oriented and an educator by nature. He clearly advised on and explained every step of the process. We felt confident and secure we were working with the best fit for us.
Reply from Chris Laughlin
September 11th, 2023 07:45 PM
Richard: Thank you for allowing me to take care of the mortgage for you and Randy. I hope the two of you love the new house! Don't hesitate to give me a call if you have any questions about mortgage-related topics in the future.
Knowledge of subject
Reply from Chris Laughlin
September 11th, 2023 07:46 PM
Martha: Thank you for being such a great client. You not only made my job easy, but your funny wit kept me very entertained! :)
Michele Norris has received a review with 5 star rating from Maria D
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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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