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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Helpful, kind, responsive
Reply from Russ Bray
November 21st, 2025 03:49 PM
Thank you Arlene! It was good working with you and Ian again! A lot of exciting things are happening for you both and wish you both the very best! Congrats!
Russ helped me all throughout the refinancing process. He kept his communication clear and made time to walk me through the process and how a refinance works as a first time homeowner. Also, I appreciated his availability to work and accomadate...
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Reply from Russ Bray
November 13th, 2025 06:05 PM
Thanks Corey. It was good working with you and I will be in touch with you very soon as rates settle into the new year. Best of luck finishing up on the home improvement project!!
Russ was knowledgeable, straightforward, and willing to explain every step of the process.
Reply from Russ Bray
November 10th, 2025 05:06 PM
Thank you Hilarie! Enjoy the new home and it was great working with you!
We have used Russ more than once and have recommended him to multiple
Reply from Russ Bray
November 10th, 2025 05:07 PM
Thanks Bret! Hope you and Rhonda enjoy the new home. I will send you an updated preapproval for next year also!!!!
This is our second loan wirh Russ and would be our first call again Always on top of emails and excellent with his guidance in the loan process . Appreciate the help, Russ!!
Reply from Russ Bray
October 22nd, 2025 01:23 AM
Thanks Brian! I’ll continue sending preapprovals to Christine until we get you a few more vacation homes😂😂. Enjoy your new home out there and Congrats!!
Russ and his team made the process easy and understandable . We appreciated their help from start to closing.
Reply from Russ Bray
October 22nd, 2025 01:21 AM
Thanks Christine! Hope you and Brian enjoy it out there and who knows one day I may be a neighbor!!!
Russ was always accessible to assist and answer any questions we might have regarding th loan. We have used Russ in the past on several other loans and he is truly a Top Notch Professional. Russ will always be our First choice whenever considering...
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Reply from Russ Bray
October 13th, 2025 06:36 PM
Thank you Lee! It is always great working with you and Jeannie. One of these days I will join you on the golf course as well!!
Russ was outstanding we recimmend him iften thank you!!
Reply from Russ Bray
October 9th, 2025 07:46 PM
Thank you Julie! I wish you and Jeff the very best in the new home and hope you adjust to Iowa easily. Congrats!
Russ & Sandy
Reply from Russ Bray
October 13th, 2025 02:34 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 always available when I wanted an update on my loan processing or wanted to ask him a question. In addition, he was extremely knowledgable and demonstrated the ability to place me in a competitive product and rate. As a mortgage industry...
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Reply from Russ Bray
October 7th, 2025 05:36 PM
Thanks April! I greatly appreciate the kind words and wish you the best in your new home! Lets hope these rates continue to fall and we will be in touch soon! Congrats on the 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