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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Scott was always availiable to take my calls and answer questions. He patiently walked me through every step
Reply from Scott and Traci Turner
November 2nd, 2026 02:55 PM
Congratulations on your new home!
We Had the pleasure of working with Phil Scaglia. He helped my fiancé, and I buy our first home with ease. He made a nightmare of a process so easy forever grateful that we got to work with him.
Reply from Owner
November 6th, 2026 12:00 AM
Jonathan, thank you for sharing your experience! We're so glad Phil could make your first home purchase a smooth and positive experience. Congratulations on your new home!
Scott was always available to take my calls and answer questions. He patiently walked me through every step.
Reply from Owner
November 6th, 2026 12:00 AM
Thank you for the great review! We're happy Scott was there to answer your questions and guide you through each step of the process. We appreciate your business!
As first time homebuyers, we really appreciated Chris’ knowledge, experience, and willingness to work around our homebuying timeline and personal schedules. He was very friendly and transparent throughout the process which built our trust for...
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Reply from Chris Laughlin
November 2nd, 2026 06:02 PM
Thank you Scott for allowing me the opportunity to compete for your business... and for deciding to allow me (and First State Bank) to take care of the loan for you and Andrea. I'm glad we were able to provide you a way to reduce the cost of...
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Ron was absolutely fantastic throughout the entire mortgage process. From start to finish, he was professional, knowledgeable, responsive, and incredibly helpful. He consistently went above and beyond to make sure we understood each step, answered...
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Reply from Ron Ruzicka
November 4th, 2026 02:09 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
Informative and efficient
Reply from The O'Neill Team
October 30th, 2026 02:37 PM
Thank you for the great review. We enjoyed working with you and we hope you truly enjoy your new home.
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Chesterfield
Ron Ruzicka was absolutely fantastic throughout the entire mortgage process. From start to finish, he was professional, knowledgeable, responsive, and incredibly helpful. He consistently went above and beyond to make sure we understood each...
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Reply from Owner
November 6th, 2026 12:00 AM
Thank you for such a wonderful review, David! We're proud to hear Ron's knowledge, attention to detail, and communication made your mortgage experience a smooth one. We appreciate your recommendation!
Matt and Betsy are the absolute best! Extremely knowledgeable, patient and thorough. Loved working with them! I absolutely recommend them.
Reply from Matt & Betsy Maassen
November 3rd, 2026 04:28 PM
Helping great customers like you is why I'm in this business. Thank you so much for trusting us with your new home loan and for the great feedback.
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Kim is very nice and professional ,she kept me updated on every step of the process and quickly answered all my questions . If you are looking for a smooth process, I highly recommend asking for Kim.
Reply from Kim Schultz
October 29th, 2026 01:48 PM
Thank you so much Scarlett! You were great to work with, and I appreciate ALL your help pulling everything together for the loan! Best wishes on this next chapter in your beautiful new home!
Matt was wonderful to work with throughout the purchase of our new home! He was always in constant communication, readily available to answer any questions, and made the process feel smooth and stress-free. We highly recommend Matt to anyone...
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Reply from Matt & Betsy Maassen
November 2nd, 2026 04:25 PM
I really appreciate the feedback and look forward to working with you again.
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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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