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's communication and explanation throughout the process was incredibly helpful.
Russ is on top of the whole process working to ensure the best outcome! Very personable and excellent communicator.
Reply from Russ Bray
October 26th, 2026 05:52 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.
Russ was outstanding in guiding us through the 2 loans with the best results . Always had our wellbeing in mind Thank you .
Reply from Russ Bray
October 14th, 2026 02:20 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.
Russ
What a smart, informative, knowledgeable and genuinely kind man. He would answer questions before I could ask them. First State is lucky to have him
Reply from Russ Bray
September 8th, 2026 03:54 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.
I have highly recommended Russ to all of my friends and family members. He has been our loan officer for many years and continues to go above and beyond to ensure everything runs smoothly. He is very helpful, caring, and dependable!
Reply from Russ Bray
September 1st, 2026 04:37 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.
Everything was great!
Reply from Russ Bray
August 31st, 2026 05:50 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
Russ went above and beyond to make closing happen for for us on the scheduled closing date
Reply from Russ Bray
August 27th, 2026 05:13 PM
Thank you for your kind words! It's encouraging to know that we exceeded your expectations. Our team works hard to ensure every customer feels valued, and your review reassures us that we're on the right track.
Russ went above and beyond for us and helped us close on time.
Reply from Russ Bray
August 27th, 2026 03:06 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.
Russ was absolutely amazing. He gave great advice and really cared about making sure we secured our loan for our house without any major hiccups. He was there for us when other people weren't. we truly appreciate it
Reply from Russ Bray
August 11th, 2026 07:34 PM
Thanks for the opportunity, Ken! I enjoyed getting to know you and truly wish you and Clarissa the best in your new home. Stay smiling my man, you make people around you truly better!
Russ was amazing and always responded promptly to calls and or emails he is truly the best loan officer I have ever done business with.
Reply from Russ Bray
August 11th, 2026 07:35 PM
Thank you very much Betsy! I do wish you the very best in the new home and please feel free to call me anytime!
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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