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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Russ was very prompt and helpful and helped me with all of my needs
Russ kept me updated on the process and next steps consistently throughout. He was supportive and encouraging. His level of calm during a stressful time was very reassuring.
Reply from Russ Bray
July 14th, 2026 04:05 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!
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Reply from Russ Bray
June 29th, 2026 04:33 PM
Well spoken! You and Roger have been a great joy not only to work with but to know over the years. I truly appreciate you guys and looking forward to the next NC visit!
Russ made the process smooth , efficient and VERY EASY for me at a very stress time in my life. I will and have recommended Russ to everyone I speak to regarding Real Estate.
Reply from Russ Bray
June 29th, 2026 04:31 PM
Brad - Thanks for giving me a call. I am glad this all worked out and moving in a positive direction! I wish you the very best and would be happy to assist in any way going forward. Glad i have had the opportunity to meet ya!!
Russ did a great job at explaining and making sure we understood exactly what we were doing during this process. He helped in guiding us towards good financial choices and worked with us to get approvals on a moments notice when we needed them...
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Reply from Russ Bray
June 15th, 2026 05:00 PM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
Russ was extremely communicative and I could not have done this without him. I am so happy and thankful because of him.
Reply from Russ Bray
June 10th, 2026 02:50 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
Russ derlivers personal, knowledgeable service consistently. We have used his services multiple times and he always provides the proper guidance throughout the process.
Reply from Russ Bray
June 9th, 2026 03:13 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
All good very pleased
Reply from Russ Bray
June 1st, 2026 06:27 PM
Thank you for the wonderful review! Making customers happy is our top priority, and I’m thrilled that we succeeded with you.
Russ was very informed and provided excellent and timely advice and communication throughout the entire process.
Reply from Russ Bray
May 25th, 2026 07:43 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
Russell was knowledgeable and precise.
Reply from Russ Bray
May 20th, 2026 05:17 PM
Thank you for the wonderful review! Making customers happy is our top priority, and I’m thrilled that we succeeded with you. I hope your enjoy your new home!
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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.
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
Conventional
FHA
VA
USDA
First Time Homebuyer
Down Payment Assistance Programs
Nationwide Lending
Jumbo
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Addresses and Serving Areas
Primary Serving Area
Other 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