Gerry Phillips
Senior Loan Officer | NMLS #505678
Gerry Phillips has been in banking since 1986 and focused solely on residential mortgages since 2000. He’s experienced with VA, FHA, JUMBO, USDA, and more, helping clients understand credit, income, and asset qualifications. From first-time... Show More
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Kept us informed. Communication was great
Reply from Gerry Phillips
August 22nd, 2026 05:53 PM
Joe/Bernice... It was my pleasure to work with you to get to the finish line. I enjoyed our visits at your home and am hopeful everything turns out well for you both!
Gerry was very responsive to all our quesitons, no matter how dumb. He helped ensure we stayed on track and knew what to complete when. Thanks, Gerry!
Reply from Gerry Phillips
August 19th, 2026 06:41 PM
Thank you so much for the kind words! And for the record—there are no dumb questions when you’re making an important financial decision. 😊 I’m grateful for the opportunity to help keep everything clear, organized, and moving in the right direction....
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Why would we be advised to take our business to another bank after Gerry had seen our borrowing credit? We had already moved into a post credit phase, whithin the application with Gerry & First State Bank,"then" we were advised to move from...
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Reply from Gerry Phillips
August 24th, 2026 02:26 PM
We appreciate your review and will take your feedback into consideration as we continue to enhance our services.
Gerry is very knowledgeable
Reply from Gerry Phillips
August 15th, 2026 04:36 PM
Hey, Laura... You know I adore you & Tony. Will miss you dearly, but know that you are going to love it in Clever so close to Sydney. I wish Tony the best at his new job & I'm sure you will be involved in your own thing before long!
Was always on top of everythin!
Reply from Gerry Phillips
August 8th, 2026 06:37 PM
Thanks, Jacob... for this being your 1st home purchase, you were amazing responsive and accurate in getting all the documentation cleared & processes covered timely. Nice job... and congratulations on your first home purchase! You deserve it......
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I felt comfortable and very confident in this experience!
Reply from Gerry Phillips
July 31st, 2026 02:16 PM
Thank you so much for the kind words! Helping you feel comfortable, informed, and confident throughout the mortgage process was incredibly important to me. It was truly a pleasure working side-by-side with you, and I’m grateful you trusted...
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We had a VERY long process for this loan. Gerry stuck with us and tried to work many avenues to help support us as we navigated a delicate sell.
Reply from Gerry Phillips
July 15th, 2026 04:02 PM
It was a delight & my pleasure working with you 2. I look forward to seeing you guys out & around the community. My door is always open!
Gerry is amazing! Very knowledgeable, very responsive , and does everything he possibly can to get the best for you-- everything you could hope for in a loan officer!
Reply from Gerry Phillips
July 1st, 2026 12:44 AM
Thank you so much for the kind words, Savannah! It was truly a pleasure working side-by-side with you, Verity, & Sarah through the mortgage process. You all did a phenomenal job!!I’m grateful for the opportunity to serve you, and I always want...
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Super thorough, informative, helpful, always on topof the timeline & every detail... & helping to keep us moving forward!! Great teamwork AND COOKIES!! Thank you for everytjing!! We LOVE our new home & are SO HAPPY to be BACK @ LOTO in our...
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Reply from Gerry Phillips
June 13th, 2026 02:45 PM
Thank you so much for the incredibly kind words and five-star rating! It was truly a privilege to work alongside you and help keep every detail moving toward the finish line.Knowing that you are back at the Lake of the Ozarks, in the neighborhood...
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Gerry was knowledge and clear throughout the process. He made it easy and stress free despite some barriers due to documents upfront. would definitely recommend Gerry to anyone.
Reply from Gerry Phillips
June 8th, 2026 03:01 PM
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.
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About
Gerry Phillips has been in banking since 1986 and focused solely on residential mortgages since 2000. He’s experienced with VA, FHA, JUMBO, USDA, and more, helping clients understand credit, income, and asset qualifications. From first-time buyers to self-employed borrowers, Gerry offers expert guidance, second home financing, and exceptional service from start to finish. Known for being accessible and responsive—even on weekends—Gerry is your trusted local loan officer, ready to answer questions and help anytime.
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
Specialities
Conventional
Jumbo
FHA & VA
USDA Rural Housing
Construction & Renovation Loans
Second Home & Investment Properties
Refinance Solutions
First-Time Homebuyer Grants
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Memberships
- Lake Area Chamber of Commerce
- Lake West Chamber of Commerce
- Camdenton Area Chamber of Commerce
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1986
Time Zone
Central Standard Time (CST)
Licenses
- NMLS # 505678
Awards
Hobbies
- The Church at Osage Hills
- Rotary
- Charity
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Disclaimer
First State Bank Mortgage, A Division of First State Bank of St. Charles, MO. NMLS #416668. Equal Housing Lender. Headquarters: 2850 West Clay Street, St. Charles, MO 63301. This is not a commitment to lend. For licensing information, go to: www.nmlsconsumeraccess.org