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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Working with Russ was a great experience. He was responsive, knowledgeable, and incredibly helpful throughout the entire process. Everything was explained clearly, and I always felt supported. Highly recommend!
Reply from Russ Bray
January 5th, 2026 04:00 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
Russ was a great per to work with and helped us through the proceans of buying our new home with good advice and guidance.
Reply from Russ Bray
December 29th, 2025 02:14 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
Russ and his team made everything easy!
Reply from Russ Bray
December 29th, 2025 06:09 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!
Russ and the team were awesome. Thanks guys!
Reply from Russ Bray
December 25th, 2025 08:00 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
great communication!
Reply from Russ Bray
December 25th, 2025 02:58 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
Russell made the experience Great!!
He helped us get a better overall loan financially!
He helped save us 15K + from the original loan estimate from ZHL
Reply from Russ Bray
December 22nd, 2025 03:10 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 went above and beyond everything always kept good communication and always very positive on everything.
Make the whole process super easy and smooth.
Reply from Russ Bray
December 19th, 2025 05:23 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!
Russell took the time to help us and also explain to us the loan on a second house. He helped us greatly in saving costs related to the loan. We were working with ZHL and did not understand the total costs with points and I called Russell and...
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Reply from Russ Bray
December 16th, 2025 06:18 PM
I really appreciate the feedback and look forward to working with you again.
Russ is great to work with. When he knew I did not fully understand the breakdown of the numbers he took the time to explain everything a second time. He and Sandy helped me navigate my loan transfer that occurred during the refinancing process....
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Reply from Russ Bray
December 1st, 2025 04:30 PM
Thank you Allie! I enjoyed working with you as well and appreciate you allowing me to help!
I have been your customer for over 15 years. Mr. Bray is a excellent loan officer. He always giving me a good advice. He and his team has a great communication with me during the loan process.
Reply from Russ Bray
November 24th, 2025 07:03 PM
Thank you Alfred! I enjoy working with you both each time. I am impressed with the home and wish you the best for years to come while you enjoy it. It is nice to see a 10-15 year plan play out like this!
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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