West Clay, 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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Russ is great to work with. When he knew I did not fully understand the breakdown of the numbers he took the time to explain everything a second time. He and Sandy helped me navigate my loan transfer that occurred during the refinancing process....
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Reply from Russ Bray
December 1st, 2025 04:30 PM
Thank you Allie! I enjoyed working with you as well and appreciate you allowing me to help!
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I have been your customer for over 15 years. Mr. Bray is a excellent loan officer. He always giving me a good advice. He and his team has a great communication with me during the loan process.
Reply from Russ Bray
November 24th, 2025 07:03 PM
Thank you Alfred! I enjoy working with you both each time. I am impressed with the home and wish you the best for years to come while you enjoy it. It is nice to see a 10-15 year plan play out like this!
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First State Bank of St. Charles
I had 3 different loans with First State Bank. All are very positive. Reasonable interest rates, and good service.
Reply from Owner
October 3rd, 2025 12:00 AM
One of the biggest compliments you could give is repeat business. We are thankful to have earned that from you, Alfred!
His communication and his advise durring the process was very good
Reply from Matt & Betsy Maassen
November 27th, 2025 09:15 PM
Thanks for the great feedback. I hope you enjoy your new home!
The communication and advice from Don was excellent. He helped us when we had questions or concerns.
Reply from Don MacPherson
November 27th, 2025 04:12 PM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
Matt is very good at explaining every little detail of the mortgage process. He was also fun to work with so was a pleasant experience.
Reply from Matt & Betsy Maassen
November 27th, 2025 03:48 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
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First State Bank of St. Charles
First State Bank of St. Charles has received a review with 5 star rating from Jane
Reply from Owner
December 3rd, 2025 12:00 AM
Your support means everything—thanks for the 5 stars!
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Helpful, kind, responsive
Reply from Russ Bray
November 21st, 2025 03:49 PM
Thank you Arlene! It was good working with you and Ian again! A lot of exciting things are happening for you both and wish you both the very best! Congrats!
Very nice and great to work with! Easy process and very informative
Reply from Matt & Betsy Maassen
November 24th, 2025 03:49 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, and we hope to see you again soon.
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First State Bank of St. Charles
First State Bank of St. Charles has received a review with 5 star rating from Stephanie Z
Reply from Owner
December 3rd, 2025 12:00 AM
Thank you for the 5-star review, Stephanie! We truly appreciate you taking the time to support us and are glad you had a positive experience.
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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
Time Zone
Central Standard Time (CST)
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