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!
Information relayed in a timely manner and all questions responded to and answered .
Shad made the process easy through his communication, sharing up front what our options were and what was needed.
Reply from Shad Lager
August 20th, 2026 08:08 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.
The process was quick and easy
Reply from Shad Lager
August 18th, 2026 02:13 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
He was very personable and easy to reach
Reply from Shad Lager
August 14th, 2026 02:36 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Good communication!
Reply from Shad Lager
August 5th, 2026 04:34 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
Provided a good loan option during an uncertain economy.
Reply from Shad Lager
July 27th, 2026 02:21 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.
Shad is so easy to work with! Very professional and always so quick to act/respond. Proactive on helping find the best options for our loan, I couldn't be any happier.
Reply from Shad Lager
July 13th, 2026 08:22 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
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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