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First State Bank Named a Finalist for The Ellie Mae Hall of Fame

Recognition Reflects Company’s Innovative and Creative Use of Technology

St. Louis, MO - October 8, 2013 - First State Bank Mortgage, the mortgage division of First State Bank of St. Charles, announced today that it was named a finalist for the Ellie Mae Hall of Fame. The winners will be named at a ceremony that will take place on October 15, 2013 at the 2013 Ellie Mae Encompass® Experience at the Wynn Hotel in Las Vegas, Nev. and will include a presentation by legendary basketball coach Bob Knight.

First State Bank Mortgage is among 22 Ellie Mae clients to be recognized as a finalist for the Ellie Mae Hall of Fame, which honors some of the best companies in the mortgage industry whose innovative and creative use of Ellie Mae technology has helped distinguish them in a competitive and challenging marketplace. “We’re honored to be among the top 20 finalists in the United States, especially among such distinguished companies,” said Daniel Simpson, senior vice president and director of mortgage operations at First State Bank. “Our staff finds that using the Ellie Mae software allows us to quickly and efficiently process mortgage paperwork, so that we can focus our time and energies on offering our customers excellent, professional service during their home loan process.”

“This year, we had a particularly outstanding group of finalists for the Ellie Mae Hall of Fame,” said Jonathan Corr, president and chief operating officer of Ellie Mae. “But First State Bank Mortgage stood out, not only for their innovative use of technology, but also for the superior customer experience that they have created using Ellie Mae's Encompass360 mortgage management solution.”

First State Bank Mortgage offers a variety of home loan products for residences, second homes and condominiums, including several distinctive programs for first-time homebuyers. First State Bank Mortgage is a division of First State Bank of St. Charles, a full-service, independent community bank, and one of the oldest community banks west of the Mississippi. For more information, or to see loan products or begin an online loan application, click here.

First State Bank Mortgage Featured in Kansas City News Interview

Click the link below to watch a KMBC News interview with Terry O’Neill, Senior Residential Mortgage Lender from our lending office in Overland Park, discuss the effects of the government shutdown on the mortgage industry. Many loans still processed

First State Bank Announces Luanne Cundiff as Newest Board Member


First State Bank is proud to announce Executive Vice President Luanne Cundiff’s appointment to both the holding company and bank boards.
Cundiff brings 22 years of experience in the banking industry and has been with First State Bank for 18 years.

“Luanne brings a wealth of knowledge, experience and key contacts to our bank board,” says President and CEO, David Strautz.

Cundiff currently serves as the Board Chair of the St. Charles County Workforce Investment Board, and as Treasurer of the Barnes-Jewish St. Peters Progress West Foundation Board and the Community and Children’s Resource Board of St. Charles County. She also serves on the Missouri Bankers Association’s Legislative Committee.

First State Bank, a full-service, independent community bank, has served Missouri residents for 146 years, making it one of the oldest independent community banks west of the Mississippi.

First State Bank Recognized by St. Louis Business Journal for 2012 Success

St. Louis Biz Talk: First State Bank Mortgage reports record year

Top Five Holiday Tips

The holiday season is upon us! As much as we love the holidays, it is probably one of the most stressful times of the year. “Holiday Stress Index” conducted by Harris Interactive reported that 90% of respondents say they experience stress during the holiday season.  First State Bank would like to extend a helping hand.  Below are some of our favorite tips to help you navigate the holiday season.

1)      Make homemade gifts

You don’t have to be Martha Stewart to create a personal gift for a family member or friend on your list.  Click on the link below for great directions on how to make some of these fun, thoughtful gifts.

2)      Decide ahead of time how much you plan to spend on whom.

Write out a spending plan and budget before you start shopping. Having a set plan makes hectic Christmas shopping much simpler, and it also helps to keep you from overspending.

3)      Shop online

It’s never too late to find good deals online. Most websites will allow you to purchase a gift just days before Christmas and still have them shipped on time.  Many websites clearly list the dates you need to submit an order by to receive them before Christmas.

4)      Buy used when possible

This works well for small kids that don’t mind (or notice!) if their toy is new or used. Things like basketball hoops, bikes, books and movies can all be purchased used. This idea can also be helpful when buying electronics, decorations, and household items for adults on your Christmas list. Websites like EBay and Craigslist offer gently used items for sale.  

5)      Start a New Tradition

Create a tradition that eliminates the need to buy multiple gifts for each person on your list.  Draw names, organize a Secret Santa gift exchange, or play Rob Your Neighbor or White Elephant.  This works well for friends, co-workers, and your book club, but could also be used with your extended or immediate family, if everyone is on board.

For more ideas on how to save click on the link below.

Community Bank Expands into West St. Louis County

First State Bank of St. Charles will open a new branch at 17050 Baxter Road in Chesterfield next Monday, December 10, marking the first time the 145-year-old bank will operate a full-service retail branch outside of St. Charles County.

The new bank branch will offer personal banking, mortgage loans, mobile banking, investment services and a full line of deposit accounts, loans and online cash management tools for businesses. First State Bank of St. Charles reported total assets of $262,971,000 as of September 2012.

Bank president and CEO David Strautz expects the Chesterfield location to be a good fit for the bank's services and continued growth. “As an independent bank with a strong community focus, we are especially pleased to move into Chesterfield with its strong residential and business community,” he said.

“We believe our bank’s conservative business model and rich history are a perfect complement to the current strength of the Chesterfield community and to those who live and work in this area.  When this location became available, our directors and management team felt it was the right time to expand our services into West St. Louis County.”

Strautz will have an office at the new location and will be joined by Mark Prainito, senior vice president, and Millie Cain, vice president of business development.

Several grand opening specials are in place for the month of December.  Lobby hours are 9 a.m. to 5 p.m. Monday through Friday and 9 a.m. to noon Saturday, with expanded hours for drive-up lanes.

First State Bank Honored With #1 Ratings In Several Categories By Local Voters

First State Bank is pleased to announce the results of the 2012 “Best of St. Charles County” poll, in which First State Bank took top honors in several categories: BEST LENDER, BEST MORTGAGE COMPANY, and BEST FINANCIAL PLANNERS.

This is the third year in a row that First State Bank has been voted “Best Lender” and “Best Mortgage Company,” and the second year to be voted “Best Financial Planners” by local voters in the poll.

The results of the Suburban Journals’ “Best of St. Charles County” readers’ poll are calculated from votes by local residents.  Votes are submitted through both an online and paper ballot each fall.

Local Team, Congressman Luetkemeyer Join Together To Help Disabled Veteran Purchase the Perfect Home

Missouri disabled veteran Dillon Raube and his wife, Taylor, signed final papers Wednesday to complete a year-long process of purchasing their perfect family home in Linn Creek, Mo, surrounded by all those who helped make the loan possible – a local Realtor team, their mortgage banker and Congressman Blaine Luetkemeyer himself.

For U.S. Navy veteran Dillon Raube and his young family, the process of finding the perfect home and obtaining financing had been an arduous one.  After being medically discharged from the Navy with a 100% service-connected disability and recovering from multiple surgeries, Dillon and his wife decided to move to Missouri to be closer to Raube’s own family.

The Raubes found the perfect home in Linn Creek, Mo.  The property provided all the necessary elements to accommodate Dillon’s needs – a single-story home with a level lot and paved road, and an outbuilding and attached apartment, an ideal living space for Dillon’s mother, who could reside close enough to assist him with his day-to-day tasks.

Three days before their scheduled closing date, the Raubes were notified that the loan was being denied on the basis of the property being “too unique.”  The Raubes were shocked and confused.  That’s when they decided, with the help of their real estate agent, Justin Farrell of John Farrell Real Estate Company, to reach out to their local Congressman’s office.  So Raube wrote a letter to Congressman Blaine Luetkemeyer to ask for assistance.

“We are struggling to understand why [the loan] was denied…My family and I have worked diligently for the past year for this particular house,” said Raube in his letter to Congressman Luetkemeyer.   “This property is very special to our family.  We would appreciate any assistance you can provide.”

Raube’s impassioned letter, sent to Luetkemeyer’s office on September 26, two days before the original scheduled closing date, set into motion a series of actions by local professionals determined to secure a home for this brave veteran and his family.  Congressman Luetkemeyer and his caseworker, Lori Boyken, responded immediately and began to work with the VA on an inquiry into the loan and appraisal.

Shortly after, the Raube’s agent, Justin Farrell, and fellow agent Lynn Farrell approached local mortgage lender Michael Lasson of First State Bank Mortgage to see if he could work with the Raubes on their loan.  Lasson and his wife, Michelle, a Loan Specialist with First State Bank Mortgage, immediately went to work looking at the loan and property to see if the loan could be approved.

Within three weeks of writing the letter, Dillon and Taylor Raube closed on their loan to become proud homeowners.

“We couldn’t have closed this loan without the support of the Federal Home Loan Bank of Des Moines Mortgage Partnership Finance® program,” said Michael Lasson of First State Bank Mortgage.  “We are incredibly pleased to assist one of our disabled veterans,” said Dick Swanson, president and CEO, FHLB Des Moines. “As a cooperative of community lenders, we are able to create solutions like the Mortgage Partnership Finance program  to assist members including First State Bank Mortgage so they can strengthen their communities.”

“There were many people who were instrumental in making the American Dream of home ownership happen for the Raubes,” commented agent Lynn Farrell.  “Congressman Luetkemeyer and his caseworker, Lori Boyken, were key figures in getting the appraisal approved.  They went above and beyond in their efforts.  Michael and Michelle Lasson and First State Bank did a fantastic professional job of making this all work for the Raubes.  And Justin [Farrell] has been working with them through all the challenges and never gave up.  This is truly an American success story for a very deserving veteran.”

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