Russ Bray
Senior Loan Officer | NMLS # 449514
I am a Senior Loan Officer with First State Bank of St. Charles and have been in the mortgage industry since 2001.I am very passionate about trying to provide a stress-free experience throughout the entire loan process. Not every client is...... Show More
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Russell was knowledgeable and precise.
Russ is great to work with.
Russ went above and beyond his job title. We appreciate all the information and timely service provided through this process.
Reply from Russ Bray
May 8th, 2026 04:18 PM
I enjoyed working with you. Thanks for the great feedback.
Russ was excellent at explaining the process. It had changed quite a bit since our last home purchase.
Reply from Russ Bray
May 8th, 2026 05:01 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Russell explained things very clearly and was very easy to get in touch with. 10/10 experience!
Reply from Russ Bray
May 7th, 2026 03:43 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.
We had a great experience working with Russ as first-time homebuyers. He was knowledgeable, responsive, and took the time to clearly explain every step of the process. Russ' communication and transparency made a potentially stressful experience...
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Reply from Russ Bray
April 15th, 2026 06:55 PM
Thanks Kelli, I hope you and Adam create a ton of memories in the new home. I am very proud of you guys!!
Made the process super easy for us and always had answers to our questions.
Reply from Russ Bray
April 15th, 2026 06:56 PM
Thanks Adam! Appreciate the nice words! Sorry I can't be there to help move as that is one thing I look forward to the most, just kidding!!! Proud of you guys and can't wait to see it!
Very helpful and always available whenever i had questions. Kept me updated on how all the paperwork was going.
Reply from Russ Bray
April 10th, 2026 01:09 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.
Russ communicates very well and abslutely delivers on his word.
Reply from Russ Bray
April 1st, 2026 03:55 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.
Russ really knows his stuff.
Reply from Russ Bray
February 24th, 2026 04:04 PM
I really appreciate the feedback and am looking forward to working with you again.
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About
I am a Senior Loan Officer with First State Bank of St. Charles and have been in the mortgage industry since 2001.I am very passionate about trying to provide a stress-free experience throughout the entire loan process. Not every client is the same so it is important to listen first and then be able to provide financial solutions designed to meet each client’s goals. With the ability to lend in all 50 states and having access to all loan products, including Conventional, FHA, USDA, VA, Jumbo, Portfolio, and MHDC, Being able to offer industry low-interest rates and low closing fees on our variety of programs has allowed me to develop close relationships with my clients and continue to work with them for years to come.
Specialities
Conventional
FHA
VA
USDA
First Time Homebuyer
Down Payment Assistance Programs
Nationwide Lending
Jumbo
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278
/850
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Addresses and Serving Areas
Year Started
2001
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 449514
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