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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Our agent recommended Kim and everything could not have gone better. Communication and updates were great and we felt very comfortable through a potentially stressful home purchase.
Reply from Kim Schultz
October 17th, 2026 03:40 PM
Thank you so much Stan! Really enjoyed working with you and Adele! Your new home is just beautiful! Wishing you all the best! Kim
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Chesterfield
Chesterfield has received a review with 5 star rating from Patrick F
Reply from Owner
October 23rd, 2026 12:00 AM
Thank you for the five-star rating! We appreciate your support.
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Chesterfield
I have been working with Ron Ruzicka for 20 years!!! You will not find anyone more knowledgeable, efficient and honest than him!!! I highly recommend using him for any loan services you may need!!!!
Reply from Owner
October 23rd, 2026 12:00 AM
Thank you for your continued trust over the past 20 years! We're grateful for your loyalty and recommendation of Ron.
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Jeff Krueger listened to any and every concern I had along the way! He was kind, patient, thorough in his explanations, and committed to finding the right product for my needs! J hope to use Jeff again for my mortgage needs in the future!
Reply from Jeff Krueger
October 19th, 2026 10:46 PM
Emily...I'm grateful for your kind words, Emily. I'm pleased to hear that you felt listened to and supported throughout the process. You were a pleasure to work with and I look forward to assisting you with your future mortgage needs.
............
Reply from Don MacPherson
October 21st, 2026 02:25 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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Phil, thank you for everything! You made this process as easy as it could have possibly been. Would absolutely recommend you to friends or family.
Reply from Phil Scaglia
October 21st, 2026 07:05 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!
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Ron and Angela are very knowledgeable and personable! I have referred Ron to many of my friends whom have experienced the satisfaction!!!
Reply from Ron Ruzicka
October 21st, 2026 06:14 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.
Phil was amazing to work with. As a first time home buyer, Phil made everything as simple and easy to understand as it could have possibly been. I would absolutely recommend him.
Reply from Owner
October 23rd, 2026 12:00 AM
Thank you for the great review! We're glad Phil made the homebuying process easy to understand and helped make your first home purchase a positive experience.
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Todd was very helpful throughout the process. We appreciate everything he did for us.
Reply from Todd Hedger
October 15th, 2026 07:56 PM
I'm glad to hear that I could be helpful throughout the process, Kathy. Your appreciation means a lot to me, and I'm pleased to have assisted you.
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Todd was very pleasant and easy to work with.
Reply from Todd Hedger
October 15th, 2026 04:44 PM
Hi Alan, thank you for the great review! Congratulations on your beautiful new home. Stay in touch and let me know if you ever need anything.
Todd
81–90 of 12374
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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