Ron Ruzicka
Senior Loan Officer | NMLS # 417686
ST Louis Univerisity
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 ser... Show More
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We can say enough nice things about Ron and all of his help with our HELOC. He truly cares about his customers and is very honest man. Ron is someone you can trust with all of your financial needs.
Ron goes above and beyond and makes sure you understand your numbers. We are so grateful to work with him!
First Contact to Closed in about 15 days.. Worked out great.
Reply from Ron Ruzicka
September 16th, 2026 04:58 PM
Cory,
Thanks for the nice review. Please pass my name to anyone who may need a mortgage. I can lend in all 50 states.
Ron was very helpful, he was great at explaining every step of the process and was available any time or day we had questions . He made sure to tell us that if we ever had or have any questions to never hesitate to call We appreciated his help...
read more
Reply from Ron Ruzicka
September 16th, 2026 05:00 PM
Thanks for the kind words!! Enjoy your new home!! Make sure to let your children know when they are ready to buy a home to call me!! I can lend in all 50 states!
My questions never went unanswered. always super responsive and helpful. Made this whole process so easy. Thanks for everything!
Reply from Ron Ruzicka
August 31st, 2026 07:45 PM
Thank you for the kind words. I hope you enjoy making new memories in your new home.
Ron is always very quick to respond and is able to answer our questions quickly. He provided fantastic advice to ensure we were getting the most out of our loan. Ron will always be my first call!
Reply from Ron Ruzicka
August 24th, 2026 08:20 PM
I really appreciate the feedback and look forward to working with you again.
Ron was an excellent help in securing my mortgage. Moving from my home in Maryland, he made sure I felt that St. Louis was a community I would love. Ron is a person I can trust.
Reply from Ron Ruzicka
August 13th, 2026 04:35 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
Ron makes it really easy and quick to apply for a mortgage and keep the process moving along.
Reply from Ron Ruzicka
July 20th, 2026 03:58 PM
Helping great customers like you is why I'm in this business. Thank you so much for trusting us with your home refinance and for the great feedback.
great communication and availability
Reply from Ron Ruzicka
July 14th, 2026 02:11 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.
Ron was acceptionally reaponsive and profeasional. Easy to work with .
Reply from Ron Ruzicka
July 13th, 2026 05:13 PM
Thank you for the kind words. I hope you enjoy making new memories 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
Specialities
Mortgage products
Conventional
Jumbo
FHA & VA
USDA Rural Housing
Construction & Renovation Loans
Second Home & Investment Properties
Refinance Solutions
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Education
- ST Louis UniverisityPsychologyBachelor of Arts in PsychologyAug 1969 -May 1982
Addresses and Serving Areas
Primary Serving Area
Year Started
1985
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 417686
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 Not a commitment to lend. For licensing information, go to: www.nmlsconsumeraccess.org