Savings
Everyday savings made simple, along with money market and health savings accounts for specific needs.
Savings
Everyday savings made simple, along with money market and health savings accounts for specific needs.
Who We Are
First State Bank combines decades of lending experience with award-winning customer service to help borrowers navigate home buying, refinancing, and construction financing with confidence.
Our trusted mortgage professionals take the time to understand your goals, answer your questions, and provide personalized guidance throughout the lending process.
What Sets Us Apart?
Personalized guidance backed by experience. Our mortgage professionals bring extensive lending knowledge and personal attention to every relationship, helping borrowers understand their options and make informed decisions.
Knowledge that helps solve problems. Mortgage transactions don’t always go according to plan. When challenges arise, our experienced team knows how to evaluate the situation, explore available options, and keep your loan moving forward.
Competitive mortgage rates
Trusted Advisors
Award-Winning Service
Nationwide Lending
How Do We Help You?
Whether you’re buying, refinancing or building, our mortgage team is here to answer your questions, help you understand your options, and connect you with the right resources for your next step.
Ready to take the first step? Getting started is quick and straightforward. Our secure application takes just a few minutes to complete and helps us better understand your needs, so we can begin discussing the financing options available to you.
- Social Security numbers for all borrowers
- Contact and employment information for all borrowers
- Best estimates of income, assets, and liabilities
Once you’ve completed and submitted your online application, your loan officer will be in touch to guide you through the next steps.
Home Loan Options
Whether you’re buying, refinancing, or building, explore home financing options designed just for you.
Home Buying
Whether you’re buying your first home or your forever home, we’ll help you find financing that meets your needs.
Refinancing
Explore refinancing options that may help lower your monthly payment, shorten your loan term, or access your home’s equity.
HELOC Loans
Access your home’s equity to secure a flexible line of credit for home improvements, debt consolidation, or other expenses.
Don’t Count Out Fall
A new season could bring a fresh perspective to your home search.
Real Estate Business Loans
Finance your commercial real estate project with the people’s choice for “best commercial bank” and “best bank.”
Mortgage resources at your fingertips.
Disclosures
First State Bank of St. Charles, MO, NMLS ID: 416668. Authorized to lend in all 50 states. This is not a loan commitment or guarantee. All loans are subject to approval, creditworthiness, and income verification. Applicants must be at least 18 years old. Programs, rates, terms, and conditions are subject to change without notice. Certain restrictions may apply.