Shad Lager
Senior Loan Officer | NMLS # 454659
Shad’s 17 years in the mortgage industry give him the knowledge and expertise that his clients and partners value. First-class customer service is the first priority for Shad and his team. Being able to offer industry low interest rates and...... Show More
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Shad is absolutely fabulous. Having not bought property since 1995, Shad had great patience with me. I had multiple questions throughout the journey and Shad displayed such knowledge and patience. I would go back to Shad in a minute.
Reply from Shad Lager
March 2nd, 2026 08:16 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.
Despite the myriad frustrations and disappointments along the way (due to the overall situation we were dealing with, not the fault of First State Bank), Shad and his team were very supportive, responsive, and patient in getting me through...
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Reply from Shad Lager
December 15th, 2025 06:39 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
I would like to thank Shad and the entire team for the excellent service provided throughout the financing process. From the very beginning, they demonstrated professionalism, attentiveness, and commitment, which conveyed complete confidence...
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Reply from Shad Lager
November 11th, 2025 04:58 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!
Shad made everything so easy and communicated with us clearly every step along the way. Thanks Shad!
The whole experience!!! It was an absolute pleasure working with Shad and his team. I would highly recommend to anyone .
Reply from Shad Lager
May 11th, 2026 04:42 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!
I appreciated the how easy communication was during this time I also appreciated how timely questions were answered Thanks for all the support
Reply from Shad Lager
April 24th, 2026 06:44 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.
Great communication throughout the process
Reply from Shad Lager
April 22nd, 2026 03:13 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.
Shad made everything really easy for us and walked us through every step of the way
Reply from Shad Lager
April 8th, 2026 04:29 PM
I really appreciate the feedback and look forward to working with you again.
Very responsive to my questions. Kept me updated on any changes in the long process especially with the change of condo managment.
Reply from Shad Lager
March 23rd, 2026 02:37 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.
Shad was more than wonderful until the end. I planned on sending the entire amount of the down payment on the day of signing but Chase has a limited to wire over internet and I needed to be in person. The notary and I were in my clinic's conference...
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Reply from Shad Lager
March 13th, 2026 06:09 PM
Christine, I’m sorry to hear that your closing experience left you feeling frustrated. That certainly was not my intention. Throughout the process my goal was to provide clear guidance and help keep everything on track for a successful closing....
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About
Shad’s 17 years in the mortgage industry give him the knowledge and expertise that his clients and partners value. First-class customer service is the first priority for Shad and his team. Being able to offer industry low interest rates and low closing fees on an array of programs, have made repeat clients his largest referral source. Shad’s entire team is in-house- from his processor, underwriter, and closer. This allows for a smooth process and quick approval on your home financing, with no surprises. Realtors, builders, and financial advisors love working with Shad because of his professionalism, responsiveness, and availability, including weekends and evenings. Shad and his team are licensed and experienced in lending in all 50 states.
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
Jumbo
FHA & VA
USDA Rural Housing
Construction & Renovation Loans
Second Home & Investment Properties
Refinance Solutions
First-Time Homebuyer Grants
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Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 454659
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