
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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Chris was always so thorough and knowledgeable. He made sure that we understood everything and made us extremely comfortable.
Reply from Chris Laughlin
May 20th, 2026 05:16 PM
Patrick: Thank you for allowing us to take care of your mortgage finance needs once again!
Phil was extremely prompt throughout the process and took the time to provide clear education and reasons for each step along the way.
Reply from Phil Scaglia
May 25th, 2026 04:46 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Tracy and her team were extremely personable and responsive. She explained every aspect of the process in reasonable, digestible terms. They were very organized and met every deadline on or ahead of schedule. Documentaction and data transfers...
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Reply from Tracy Geer
May 25th, 2026 05:56 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
Todd was very personable and was able to walk me through the stressful mess of buying my new home. He answered all my questions in a timely manner and explained everything in good detail
Reply from Todd Hedger
May 19th, 2026 05:28 PM
Hi Morgan, thank you for the great review. It was a pleasure working with you, hope you enjoy your new home. Stay in touch!
Wuick and easy
Reply from The O'Neill Team
May 19th, 2026 03:56 PM
Thanks Jeremy--really hope you enjoy your new Home!
Martin was so accommodating to my hectic house search!
Reply from Martin Still
May 19th, 2026 03:04 PM
thank you, Emily! Congrats!
Kind, efficient , accurate, etc
Reply from Chris Laughlin
May 19th, 2026 04:04 PM
Matt: Thank you for the nice review Matt.
Russ was very informed and provided excellent and timely advice and communication throughout the entire process.
Reply from Russ Bray
May 25th, 2026 07:43 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
Jim Yarrington has received a review with 5 star rating from Amanda G
Reply from Owner
May 25th, 2026 12:00 AM
Amanda, we’re so grateful for your 5-star rating—thank you!
Tracy and the team at FSB were quick, precise, and personable through our process from start to finish. They were efficient in the underwriting process and explained any aspect in digestible terms. The requirements and expectations were very...
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Reply from Owner
May 25th, 2026 12:00 AM
Jackson, thank you for the wonderful review! We’re thrilled to hear Tracy and the FSB team provided a smooth and efficient experience from start to finish. We appreciate the opportunity to help and wish you all the best!
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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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