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 was extremely communicative and I could not have done this without him. I am so happy and thankful because of him.
Reply from Russ Bray
June 10th, 2026 02:50 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
for
Russ derlivers personal, knowledgeable service consistently. We have used his services multiple times and he always provides the proper guidance throughout the process.
Reply from Russ Bray
June 9th, 2026 03:13 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
for
West Clay
Russ delivers personal, knowledgeable service consistently. We have used his services multiple times and he always provides the proper guidance throughout the process. I have, and will continue to, recommended Russ and First State Bank to friends...
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Reply from Owner
July 8th, 2026 12:00 AM
Roger, thank you for your continued trust and for taking the time to share your experience! We're delighted to hear that Russ has consistently provided the knowledgeable guidance and personal service you deserve. Your recommendations to friends...
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West Clay
Matt Maassen was so great to work with on our VA loan for our new build. He made the whole process quick and easy. Highly recommend Matt and First State Bank.
Reply from Owner
June 8th, 2026 12:00 AM
Kendra, thank you for your kind words and recommendation! We're so glad to hear that Matt made your VA loan process for your new home smooth, quick, and easy. Congratulations on your new build, and thank you for choosing First State Bank. We...
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Matt was awesome! Felt like we had known him forever. Great communicator! We appreciate everything!
Reply from Matt & Betsy Maassen
June 8th, 2026 02:22 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
They keep me up to date and made the whole process easy.
Reply from Matt & Betsy Maassen
June 8th, 2026 04:14 PM
Thanks for the great feedback. I hope you enjoy your new home!
for
All good very pleased
Reply from Russ Bray
June 1st, 2026 06:27 PM
Thank you for the wonderful review! Making customers happy is our top priority, and I’m thrilled that we succeeded with you.
personally not knowing much of anything about the process of purchasing a home , Matt and Betsy were always available to help and guide me in the right direction. Very organized and on top of their work Highly recommend for FTHB and other purchasers....
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Reply from Matt & Betsy Maassen
June 1st, 2026 06:38 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.
for
West Clay
Matt and Betsy are extremely knowledgeable and professional. Helped me get into my home when others where not able to. Thank you both!
Reply from Owner
June 8th, 2026 12:00 AM
Thank you for sharing your experience, Justin! We're delighted to hear that Matt and Betsy were able to help you achieve your homeownership goals when others could not. Congratulations on your home, and thank you for choosing First State Bank...
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for
Russ was very informed and provided excellent and timely advice and communication throughout the entire process.
Reply from Russ Bray
May 25th, 2026 07:43 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in 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
Time Zone
Central Standard Time (CST)
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