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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Mr Scaglia was prompt, professional, and willing to adjust his schedule to meet with us due uncontrollable circumstances. He did a great job getting us the best rate for our finances. I would highly recommend Mr Scaglia to others looking to...
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Reply from Phil Scaglia
September 21st, 2026 05:38 PM
I enjoyed working with you on your home refinance. Thanks for the great feedback.
Matt was absolutely amazing throughout the entire process! He was always helpful, responsive, patient, and made sure we understood everything along the way. He truly went above and beyond for my family and me, and we couldn’t be more grateful...
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Reply from Matt & Betsy Maassen
September 21st, 2026 08:57 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
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Communication and service were both top notch!
Reply from Phil Scaglia
September 21st, 2026 05:07 PM
Thank you for the kind words. I hope you enjoy making new memories in your new home.
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Rapid responses, clear communication.
Reply from Phil Scaglia
September 21st, 2026 01:26 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
Always was open to help out with any questions I had . Explain the process with detail and very friendly !
Reply from Maggie Rivera
September 21st, 2026 06:06 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.
We had an excellent experience with First State Bank Mortgage. They exceeded our expectations with their superior knowledge and great communication throughout the entire mortgage process. Everything went smoothly, and we highly recommend their...
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Reply from Owner
September 18th, 2026 12:00 AM
Thank you, Crystal! We’re so glad to hear our team exceeded your expectations with their knowledge and communication. We truly appreciate your recommendation!
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West Clay
West Clay has received a review with 5 star rating from Dhara P
Reply from Owner
September 24th, 2026 12:00 AM
Thank you, Dhara, for the 5 stars! We appreciate your trust and look forward to helping you again in the future.
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Todd did an excellent job throughout the entire mortgage process. He exceeded our expectations with his superior knowledge, responsiveness, and excellent communication skills. He kept us informed, answered our questions clearly, and made the...
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Reply from Todd Hedger
September 14th, 2026 01:22 PM
Hi Crystal,
Thank you for the wonderful review! I truly appreciate it and hope you love your beautiful new home. Stay in touch and let me know if you need anything!
Todd
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Timely communication with Phil. Online applicaction.
Reply from Phil Scaglia
September 18th, 2026 04:15 PM
It was great working with you to refinance your home loan. Thanks again for putting your trust in us.
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Brad was great!
Reply from Brad Fink
September 17th, 2026 04:08 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
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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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