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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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!
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.
Ron was great The other staff did well however if the support folks could have reduced the amount of req that would have helped
Reply from Ron Ruzicka
July 3rd, 2026 01:45 PM
Your positive review made my day! I’m thrilled that you had a great experience with us. Providing exceptional experiences for our customers is what we strive for, and your feedback motivates us to keep pushing forward.
Ron was super friendly and offered great advice along the loan process. I felt very comfortable asking questions and conversing with him. He was respectful of receiving our approval for all initiations (running credit report timing, home inspection...
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Reply from Ron Ruzicka
June 8th, 2026 01:25 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
Ron's knowledge, skill and experience guided us through a seamless financing journey. His expertise guided us through the largest and smallest bumps along the way to which we are extremely grateful! We have absolutely no hesitation in recommending...
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Reply from Ron Ruzicka
June 1st, 2026 02:24 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!
Always taking our calls and guiding us correctly Thank you!
Reply from Ron Ruzicka
May 22nd, 2026 02:10 PM
Emily,
Thanks for the kind words. Please call me anytime if you have questions.
Ron was wonderful. He explained every thing clearly and was always available when we had questions. We had a great experience.
Reply from Ron Ruzicka
April 29th, 2026 03:18 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
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