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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St. Louis
This was our 4th time using Russ Bray through First State Mortgage. We love First State Bank and were fortunate enough Russ answered that first call, and from our first loan to our last Russ has treated us like family. Well, we are practically...
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First State Bank of St. Charles
This was our 4th time using Russ Bray through First State Mortgage. We love First State Bank and were fortunate enough Russ answered that first call, and from our first loan to our last Russ has treated us like family. Well, we are practically...
read more
for
West Clay
This was our 4th time using Russ Bray through First State Mortgage. We love First State Bank and were fortunate enough Russ answered that first call, and from our first loan to our last Russ has treated us like family. Well, we are practically...
read more
for
First State Bank of St. Charles
This was our 4th time using Russ Bray through First State Mortgage. We love First State Bank and were fortunate enough Russ answered that first call, and from our first loan to our last Russ has treated us like family. Well, we are practically...
read more
Reply from Owner
October 3rd, 2023 12:00 AM
Thank you for the kind words and the five stars, Jeanne! We’re so happy your experiences with Russ and First State Bank Mortgage have always gone so smoothly. We love providing excellent service to awesome customers like you.
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Responsive to all our questions
Reply from Phil Scaglia
August 14th, 2023 11:05 PM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
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Martin Still
Martin was clear and direct with his recommendations. Further, he was easy to work with.
Reply from Martin Still
September 27th, 2023 03:14 AM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
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Martin was clear and direct with his recommendations. Further, he was easy to work with.
Reply from Martin Still
May 21st, 2025 08:40 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
The communication and knowledge were exceptional.
Reply from Matt & Betsy Maassen
August 14th, 2023 05:10 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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Charles Sutton
Charles did a great job keeping up with the market and my own needs.
Reply from Charles Sutton
August 14th, 2023 03:09 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.
Jim has now helped us three times in a fairly short period of time. He’s great. Highly recommend.
Reply from Owner
March 16th, 2025 06:02 PM
Toby, it has been an honor
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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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