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 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.
Ron was extremely helpful with our refinancing and answered all of our questions quickly and accurately. He was always available at anytime day or night. i would definitely recommend Ron to anyone looking to finance a home purchase.
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Reply from Ron Ruzicka
April 29th, 2026 01:17 PM
I enjoyed working with you on your home refinance. Thanks for the great feedback.
I can’t say enough good things about working with my mortgage lender. They were professional, responsive, and made the entire process smooth and stress-free. I always felt informed and confident every step of the way. Highly recommend!
Reply from Ron Ruzicka
April 27th, 2026 03:12 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 and the whole team were very easy to work with and communicated frequently with me throughout the whole process.
Reply from Ron Ruzicka
April 13th, 2026 05:25 PM
Your positive review made my day! I’m thrilled that you had a great experience with us. It means a lot to our team to know that our efforts are appreciated. Thank you for the kind words, and we hope to see you again soon.
Ron is obviously very experienced and well versed in his profession as a mortgage loan officer. The process was seamless and painless from start to finish.
Reply from Ron Ruzicka
April 9th, 2026 07:47 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 his team are very professional, timely to respond, and will work to ensure they are providing the best options and service available.
Reply from Ron Ruzicka
March 9th, 2026 02:47 PM
I really appreciate the feedback and look forward to working with you again.
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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