

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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Michelle and her team were extremely helpful through every step of the process. They we quick to answer questions and thoroughly explain answers to us because we were new to the process.
Reply from Owner
October 3rd, 2025 12:00 AM
We are glad you chose to work with Michelle and our First State Bank Mortgage team. Thank you for sharing your experience!
Don made it easy! He went above and beyond to help us secure our loan!
Reply from Don MacPherson
April 30th, 2025 02:23 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
Don is very reachable. Whenever we have a question, he answers and even calls us to make sure we understand.
Reply from Don MacPherson
April 27th, 2025 05:43 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Russ goes above and beyond in every aspect of the relationship
Reply from Russ Bray
April 27th, 2025 02:37 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!
Don is very reachable. Whenever we have a question, he answers and even calls us to make sure we understand.
Reply from Owner
October 3rd, 2025 12:00 AM
We are glad to hear that Don provided excellent communication. Thank you for your review!
We have worked with Russ and team for over a decade now. They always go above and beyond, especially when it comes to responsiveness and communication.
Reply from Russ Bray
April 26th, 2025 02:56 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.
Overall transaction was smooth.
Reply from Don MacPherson
April 24th, 2025 05:21 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.
First State Bank of St. Charles has received a review with 5 star rating from Anne V
Reply from Owner
October 3rd, 2025 12:00 AM
Thank you for reviewing us!
Matt made it great
Reply from Matt & Betsy Maassen
April 21st, 2025 03:51 AM
I enjoyed working with you. Thanks for the great feedback.
Russ explained every step of the process making sure I understood what was going and at closing made sure I understood what I was signing and why.
Reply from Russ Bray
April 15th, 2025 07:55 PM
Appreciate the positive response. Enjoy the side by side!
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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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