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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Reviews from Web
Don took a late-night call and worked through cost estimates with me. Really appreciated his willingness to do that.
Reply from Don MacPherson
October 26th, 2026 02:40 PM
Thank you for your great review! I’m delighted to hear that you had such a positive experience with us. Your satisfaction is our ultimate reward, and we can't wait to provide you with exceptional service again in the future.
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Russ is on top of the whole process working to ensure the best outcome! Very personable and excellent communicator.
Reply from Russ Bray
October 26th, 2026 05:52 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.
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West Clay
They were good to deal with and the online portal worked well in my experience.
Reply from Owner
October 23rd, 2026 12:00 AM
Thank you for your feedback! We're glad you had a positive experience with our team and found the online portal easy to use.
Purchasing a home can be a stressful time. We understand why our agent, Melissa Larson, recommended Kim Schultz to handle our financing. Kim's communication and availability made everything go as smoothly as possible through closing.
Reply from Owner
October 23rd, 2026 12:00 AM
Thank you for the kind words! We're glad Kim helped make your homebuying experience a positive one.
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West Clay
Excellent loan team! 10/10 recommend Russ Bray and his team - exceptional communication; worked to figure out the best option as we purchased and sold with a gap in between! Call them - you'll not be disappointed.
Reply from Owner
October 23rd, 2026 12:00 AM
Thank you for the wonderful review! We're glad Russ and his team provided excellent communication and helped you find the best solution for your home purchase and sale timeline.
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Chesterfield
Chesterfield has received a review with 5 star rating from Marcel F
Reply from Owner
October 23rd, 2026 12:00 AM
Thank you for the five-star rating! We appreciate you choosing First State Bank Mortgage.
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Phil got us pre-approved in record time... and was there at every step advising us along the way. Many thanks!
Reply from Phil Scaglia
October 26th, 2026 07:08 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
Melissa was super flexible with my work hours and very kind and helpful.
Reply from Melissa Maxwell
October 23rd, 2026 01:19 AM
Your positive review made my day! I’m thrilled that you had a great experience with us. It means a lot to our team to know that our efforts are appreciated. Thank you for the kind words, and we hope to see you again soon.
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Tracy was very organized and helpful through the whole process. It was such a good experience that we sent the buyer of the home we are selling to her.
Reply from Tracy Geer
October 22nd, 2026 08:42 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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We had a fantastic experience working with Beau throughout the mortgage process! He was incredibly easy to work with, always accessible, and more than willing to answer any questions we had along the way. His responsiveness, professionalism,...
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Reply from Beau House
October 22nd, 2026 01:21 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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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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