

Tracy Geer
Senior Loan Officer | NMLS # 454646

We’re a full service mortgage lender with an experienced staff offering mortgage loans for everyone – whether you are buying your first home, refinancing to lower your payments, or building a home from the ground up.
Since 1867, we have se... Show More
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Tracy was incredibly helpful and kept us up to speed with everything that was going on. She always made sure all our questions were answered and was amazing! We loved our experience with her!
Tracy was very good at communicating what she needed and what would be best for us. This is the second time we have used her as a loan officer and she has been great both times. She also keeps me updated on rates even after we close.
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Every aspect from first phone call, to applying for mortgage, ability to do everything online to approval and closing was absolutely stellar. I have had several mortgages in my life and this was BY FAR the easiest. Tracy excels at communicating,...
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Tracy is extremely patient and helpful with all of our questions and concerns. She made everything very comfortable and easy for us. This was our second time working with her and she was great!
Tracy was so easy to work with. She knew exactly how to help me and answer all my questions. I trusted her with a big step in owning a home and she was the best. She communicated every step with me and made sure that I understood everything....
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Tracy was a great communicator, always kept me informed along the way.
Reply from Tracy Geer
July 27th, 2026 04:29 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.
Very responsive to all my question. Professional and friendly. I would highly recommend Trac and her team!
Reply from Tracy Geer
July 13th, 2026 01:37 PM
Your positive review made my day! I’m thrilled that you had a great experience with us. Providing exceptional experiences for our customers is what we strive for, and your feedback motivates us to keep pushing forward.
Tracy did a great job communicating with me as we were locking in my interest rate. She also answered all of my questions and made it feel good to go through this process.
Reply from Tracy Geer
July 1st, 2026 08:41 PM
I’m grateful for your kind words! It's wonderful to know that you had a terrific experience with us. Our team strives to deliver excellence, and your feedback motivates us to continue doing what we love.
Friendly professional
Reply from Tracy Geer
June 24th, 2026 02:10 PM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
Tracy is a true pro!
Reply from Tracy Geer
June 15th, 2026 04:26 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
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About
We’re a full service mortgage lender with an experienced staff offering mortgage loans for everyone – whether you are buying your first home, refinancing to lower your payments, or building a home from the ground up.
Since 1867, we have served the lending needs of our community with integrity and a dedication to excellence.
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 Loans, FHA Loans, VA home loans, First Time Homebuyer loans, Refinance Loans, Construction Loans, Renovation Loans
Conventional
Jumbo
FHA & VA
USDA Rural Housing
Construction & Renovation Loans
Second Home & Investment Properties
Refinance Solutions
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Positions
- First State Bank Mortgage - Senior Loan OfficerSep 28th, 2016 - Current
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 454646
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