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First State Bank of St. Charles in Saint Charles, MO

First State Bank of St. Charles, Saint Charles, MO

Saint Charles, MO
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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
Mortgage
Mortgage Loan Officer
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Contact Info
(888) 287-2175
Saint Charles, MO
https://fsbfinancial.com/
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Reviews from Web
  • for
    Chesterfield
    google
    K
    Kim G
    Posted on May 10th, 2026 12:00 AM
    Chesterfield has received a review with 5 star rating from Kim G
    Reply from Owner
    May 30th, 2026 12:00 AM
    Thank you so much for the 5-star rating, Kim! We truly appreciate you taking the time to share your support.
  • for
    Matt & Betsy Maassen
    Encompass
    J
    Joshua R M
    SAINT CHARLES, MO
    Posted on May 9th, 2026 04:15 AM
    Quick and efficient.
    Reply from Matt & Betsy Maassen
    May 14th, 2026 06:22 PM
    Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
  • for
    Melissa Maxwell
    Encompass
    J
    Joseph T C
    ELSBERRY, MO
    Posted on May 8th, 2026 05:45 PM
    Melissa was awesome to work with and very knowledgeable. We were originally setup with a lender from out of state and we were brought to Melissa who was able to see where those lenders were trying to take advantage of our situation and put...
    read more
    Reply from Melissa Maxwell
    May 13th, 2026 05:45 PM
    Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
  • for
    Kim Schultz
    Encompass
    K
    Keith E Y
    SHAWNEE, KS
    Posted on May 8th, 2026 05:02 PM
    I don't like that when I was presented with a better rate from another lender that I was made to feel that I was doing something wrong or that I was operating in bad faith when the other lender came back with a lower rate and I asked you to...
    read more
    Reply from Kim Schultz
    May 9th, 2026 03:27 PM
    Keith, I'm sorry you were under the impression that I did not present you the mortgage option that offered the lowest rates, and lowest payment options, as this is what is asked of me when putting together all loan proposals. I am curious what...
    read more
  • for
    The O'Neill Team
    Encompass
    J
    Jacob F
    Gladstone, MO
    Posted on May 8th, 2026 03:42 PM
    Terry was able to secure 2 programs for us that were pivotal to us being able to afford our first home. He is a hard worker and knows the business. While it was an overall great first experience for me, I was disappointed with 2 things: 1)...
    read more
    Reply from Terry & Peter O'Neill
    May 13th, 2026 03:42 PM
    Thank you for the opportunity to assist you with your new home purchase. Please let me know if you have any questions.
  • for
    Phil Scaglia
    Encompass
    J
    James G P
    Denver, CO
    Posted on May 7th, 2026 07:43 PM
    Phil made everything very easy. Great advice, great communicator
    Reply from Phil Scaglia
    May 12th, 2026 07:43 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.
  • for
    Doreen Hansen
    Encompass
    C
    Cheryl B
    Haslet, TX
    Posted on May 7th, 2026 05:03 PM
    Doreen is amazing! She is very communicative and straight forward , and extremely knowledgeabl. I will do all loans with her going forward!
    Reply from Doreen Hansen
    May 12th, 2026 05:04 PM
    I’m grateful for your kind words! It's wonderful to know that you had a terrific experience with us. Our team strives to deliver excellence, and your feedback motivates us to continue doing what we love.
  • for
    Nathan Grojean
    Encompass
    T
    Troy J W
    WENTZVILLE, MO
    Posted on May 7th, 2026 04:17 PM
    Clear and consistent communication.
    Reply from Nathan Grojean
    May 12th, 2026 04:18 PM
    Helping great customers like you is why I'm in this business. Thank you so much for your business and great feedback.
  • for
    Chris Laughlin
    Encompass
    M
    Matthew C H
    OVERLAND PARK, KS
    Posted on May 7th, 2026 03:50 PM
    It was fast easy and Chris was knowledgeable about how allow the process to work Thanks, Chris
    Reply from Chris Laughlin
    May 7th, 2026 08:31 PM
    Matt: Thank you for letting us take care of the loan for you!
  • for
    Chris Laughlin
    Encompass
    L
    Luke M B
    OLATHE, KS
    Posted on May 7th, 2026 02:10 PM
    Chris is very knowledgeable and was willing to work at a pace that helped me close in less than three weeks, without that help I'm not sure I wouldve won the bid on my new home
    Reply from Chris Laughlin
    May 7th, 2026 02:48 PM
    Luke: Yes, we got the loan closed quickly... and your responsiveness when we needed information and/or documentation made our job easy. Thank you for being a great client!
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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

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