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 was constantly in touch through the whole process and was available any time of the day if I had any questions - he really cares about his clients and makes the process as easy as possible!
This is our second time working with Ron. Both times have been excellent! Ron is very professional, personable, thorough, and timely. His staff is also very kind and quick to respond to any questions we had.
Reply from Ron Ruzicka
November 10th, 2026 04:08 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.
Excellent support which made the process easy!
Reply from Ron Ruzicka
November 9th, 2026 05:39 PM
Thank you for taking the time to share your experience. If I can be of further assistance to you, or your family and friends, please let me know.
Ron was absolutely fantastic throughout the entire mortgage process. From start to finish, he was professional, knowledgeable, responsive, and incredibly helpful. He consistently went above and beyond to make sure we understood each step, answered...
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Reply from Ron Ruzicka
November 4th, 2026 02:09 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
Ron and Angela are very knowledgeable and personable! I have referred Ron to many of my friends whom have experienced the satisfaction!!!
Reply from Ron Ruzicka
October 21st, 2026 06:14 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 incredibly attentive and a great communicator!
Reply from Ron Ruzicka
October 12th, 2026 07:46 PM
I enjoyed working with you. Thanks for the great feedback.
If you need a mortgage, Ron is the man
Reply from Ron Ruzicka
October 6th, 2026 04:37 PM
I’m grateful for your kind words! It's wonderful to know that you had a terrific experience with us. Our team strives to deliver excellence, and your feedback motivates us to continue doing what we love.
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.
Reply from Ron Ruzicka
September 30th, 2026 07:24 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.
Ron goes above and beyond and makes sure you understand your numbers. We are so grateful to work with him!
Reply from Ron Ruzicka
September 28th, 2026 02:03 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.
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.
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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