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
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Russ is knowledgeable, patient, thorough, responsive, and friendly. In all my dealings with him and the First Bank staff, they have checked all the boxes. Thank you.
Reply from Russ Bray
September 29th, 2025 05:07 PM
Thank you Jeff! I hope you and Julie enjoy the new home and it is always great to work with you also!
Russ was really easy to work with and he always took his time explaining everything to us .
Reply from Russ Bray
September 29th, 2025 05:08 PM
Thank you Keely! I hope you and Ross enjoy the new home and we will be in touch down the road for sure!
Russ did a great job ensuring we understood the process, was attentive, and was always available to answer any questions.
Reply from Russ Bray
September 17th, 2025 02:30 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 kept us up with all that was going on and what we needed to do. Russ knew the businesses and was truly concerned and committed to helping us achieve our goal of getting our home. If I ever move again I will use Russ. I trust him.
read more
Reply from Russ Bray
September 3rd, 2025 04:33 PM
Thanks John. It is always great working with you and Brenda! I wish you both the best in the new home!!
Russ was great to work with. He was very informative and made the process easy.
Reply from Russ Bray
August 30th, 2025 02:37 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!
Great communication from start to end. Made us feel prioritized.
Reply from Russ Bray
July 29th, 2025 04:42 PM
Helping great customers like you is why I'm in this business. Thank you so much for trusting us with your new home loan and for the great feedback.
Russ was very professional, helpful, and responsive. 100% would work with him again.
Reply from Russ Bray
July 23rd, 2025 02:55 PM
Thank you Jimmy! I enjoyed working with you and Belle and wish you the very best moving forward!
Russ was attentive, always responded to my questions, even on weekends. He was knowledgeable in what he could offer and strategic with locking in an interest rate. He was awesome to work with
Reply from Russ Bray
July 22nd, 2025 06:44 PM
Helping great customers like you is why I'm in this business. Thank you so much for trusting us with your new home loan and for the great feedback.
Always willing to help out and answer questions. Helped walk me through the process of getting a mortgage.
Reply from Russ Bray
July 15th, 2025 02:10 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!
It was great
Reply from Russ Bray
June 9th, 2025 04:26 PM
Thanks Justin! Enjoy your new home!
51–60 of 234
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
View All
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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