
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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We had such a smooth experience working with Tim & his team. Highly recommended!
Chris walked us through the process step by step. He was always available for any questions.
Especially responsive to inquiries and he made us feel like we knew what was going on during the entire process. We have used his services twice now and would not hesitate to call on him again!
Ron is a pleasure to work with, a consummate professional and extremely kind.
Great experience working with Phil Scaglia. Using someone local is invaluable to the process.
Reply from Owner
August 21st, 2023 09:29 PM
Thank you for the five-star review, Kelsi! We are glad you had a positive experience with Phil and our home lending team!
Phil is the best. Always open to talking through and or explaining things. Great advice. Approachable. Will definitely be referring friends and family to him.
I needed more advance information on how to use the online loan application.
Reply from Martin Still
May 26th, 2025 08:40 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
I needed more advance information on how to use the online loan application.
Love russ. Great service
Great experience working with Phil Scaglia. Using someone local is invaluable to the process.
Reply from Owner
October 3rd, 2023 12:00 AM
Thank you for the five-star review, Kelsi! We are glad you had a positive experience with Phil and our home lending team!
5781–5790 of 12280
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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