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 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.
I have worked with Russ on several mortgage loans. He communicates very well and is always tremendously helpful. I will continue to work with him in the future and will recommend him to family and friends as well.
Reply from Russ Bray
February 3rd, 2026 07:06 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.
Russ explained everything yo to me very easily and made me feel confident in our home buying!! He is AMAZING!
Reply from Russ Bray
January 30th, 2026 09:15 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
From day one, we had constant communication. He was very patient and gave us multiple paths we could take.
Reply from Russ Bray
January 19th, 2026 06:29 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
Russ was always accessible and made sure we were informed each step of all options . He was patient while dealing with necessary adjustments and never failed to make us feel valued as clients.
Reply from Russ Bray
January 12th, 2026 03:31 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.
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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