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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Phil gave good advice as a lender. He was efficient in making sure we had the documents for a east closing .
Reply from Phil Scaglia
June 2nd, 2026 04:07 PM
I am grateful that you took the time out to leave us a response. We will use your feedback to identify areas where we can improve and provide a better experience in the future.
The reminders, clarifications, and notifications were all timely and clearly communicated. We had a bit of an odd situation with me on a previous loan and Martin was helpful in guiding us through it. Jeannie was also very patient with me, and...
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Reply from Owner
June 29th, 2026 12:00 AM
Thank you for sharing your experience, Wyatt! We're delighted to hear that Martin and Jeannie were able to guide you through the process and provide the support you needed every step of the way. It's also great to know that our online tools...
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We worked with Phil to get a mortgage. He was always quick to respond and easy to work with. He was able to fast track closing on our new house without issue. Highly recommend!
Reply from Owner
May 29th, 2026 12:00 AM
Erin, thank you for the wonderful review! We’re so glad Phil was able to make the mortgage process smooth and help fast track your closing. We appreciate your recommendation and thank you for choosing First State Bank Mortgage for your new...
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I have worked with Rick for several years. He always provide excelletnt service!
Reply from Rick Whisman
May 28th, 2026 03:17 PM
Thanks Brad as I appreciate your continued support and feedback.
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Phil was extremely responsive and easy to work with.
Reply from Phil Scaglia
June 1st, 2026 02:59 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.
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Tracy was responsive, fast, intelligent, and took time to help me find the best lroduct product for me. I highly recommend Tracy for all mortgage needs.
Reply from Tracy Geer
June 1st, 2026 02:29 PM
Thank you for the wonderful review! Making customers happy is our top priority, and I’m thrilled that we succeeded with you. I hope your enjoy your new home!
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Ron's knowledge, skill and experience guided us through a seamless financing journey. His expertise guided us through the largest and smallest bumps along the way to which we are extremely grateful! We have absolutely no hesitation in recommending...
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Reply from Ron Ruzicka
June 1st, 2026 02:24 PM
I’m delighted to receive your positive feedback! We strive to provide exceptional service, and your review encourages us to keep up the good work. Thank you!
Doreen is so communicative and kind. She has expert experience and she explains everything in layman's terms, which takes so much stress out of everything. She's reachable outside of usual business hours which we really appreciated. I cannot...
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Reply from Doreen Hansen
June 1st, 2026 02:08 PM
Thank you for your kind words! I’m thrilled to hear that you had a positive experience with us. We appreciate your support and look forward to serving you again soon.
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Chesterfield
Financial officer,Ron Ruzicka’s knowledge, skill and experience guided us through a seamless financing journey. His expertise guided us through the largest and smallest bumps along the way to which we are extremely grateful! We have absolutely...
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Reply from Owner
May 29th, 2026 12:00 AM
Nina, thank you for the incredible review and kind words about Ron! We’re thrilled to hear his knowledge, experience, and guidance helped make your financing journey a smooth one. Ron is truly a valued part of our team, and we appreciate your...
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Randy Robinett has received a review with 5 star rating from Kate F
Reply from Owner
May 29th, 2026 12:00 AM
Kate, your 5-star review means a lot to us—thank you!
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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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