• Our Lenders
    David Watson Full

    David Watson

    Senior Residential Lending Officer

    Central Bank of St. Louis
    425 N. New Ballas Road, Suite 101 
    Creve Coeur, MO 63141   
    p: 314.219.0448 
    c: 314.458.6374 
    f: 314.746.4609 
    Email David 
    NMLS# 296835

    Dave has over 13 years of loan origination and professional relationship management experience. As a nationally licensed Mortgage Loan Originator, Dave aims to tailor a financing strategy that helps his clients accomplish both their short term and long term personal financial goals. The combined experience and capabilities of his team at Central Bank allow him to deliver the products, process, and pricing that his clients deserve.

    Why work with Dave Watson and Central Bank of St. Louis?

    • There are literally thousands of banks and mortgage lenders. Central Bank of St. Louis has been locally owned for over 110 years.
    • We are a mortgage banker, not a broker. We underwrite and approve our loans locally with local management. This ensures a quick approval and closing.
    • As a Nationally Licensed Mortgage Loan Originator, I take pride in making sure you are presented with all of your options. I work with you to help you choose what loan product works best for your personal situation.
      • Experience is very important in today’s mortgage marketplace with much more stringent underwriting standards being imposed by lenders and the government. You need someone who knows how to get your loan approved with no surprises.
      • I have a very experienced team dedicated to making sure you loan approval is as fast and as easy as possible.
      • I CARE…and know how important a home purchase is for you and for all of my customers.
      • I live by the Golden Rule - and make sure to treat my customers as I would want to be treated if I were in their shoes. From me you can expect great communication, honest answers, and always being treated with care and compassion.
    • My team will work hard for you and will go the extra mile to get a loan that works for your needs.
    • To sum it all up…
      • TRUST…I treat my clients like I would my own family members.
      • EXPERIENCE…I know what I’m doing and can provide ADVICE for financing options you may not have considered.
      • PERSONAL SERVICE…my customers are CLIENTS FOR LIFE…not a one-time transaction.
      • CARE and CONCERN…I’ll treat you the way YOU want to be treated.
      • VALUE…you get all of that with GREAT RATES and CLOSING COSTS.

    Support Staff:
    Liza Cozart, Loan Officer Assistant, 314.835.3783, Email Liza, NMLS#604932
    Tim Maddox, Processor, 314.835.3719, Email Tim, NMLS#1127658


    “Dave Watson provided the most AMAZING service to us on the refinance of our primary home and investment properties in Kirkwood, MO. Despite a variety of challenges, he made all aspects simple and uncomplicated and went out of his way to accommodate our travel needs during these transactions. We rate his customer service and expert mortgage advice a 10+ and will be spreading the word throughout our networks!” – Teresa

    “I’ve worked on multiple real estate transactions with Dave. He consistently goes the extra mile for his clients, finding creative solutions that meet their unique financial needs and doing what it takes to make sure the transaction closes on time.” – Cathy

    “Once again, Dave is the man. I love the fact that I have someone who is keeping an eye on rates and the market and my loan situation. No pressure, just info. Awesome to work with!!!” – Scott

    Apply Now

    Mortgage Checklist

    Use our Mortgage Checklist to:

    • Completed Loan Application and Signed Authorization
    • Homeowners Insurance Declaration Page (If refinancing)
    • Current Mortgage Statement (If applicable)
    • W2s from last two years
    • 30 days pay stub with YTD earnings
    • 2 months current bank statements, all pages
    • Social Security or Pension Awards letters (If applicable)
    • 2 Years tax returns
    • Divorce Decree (If applicable)
    • Trust Documents (If applicable)

    Home Affordability

    Getting prequalified should be your first step in the home buying process. And, prequalification will help you understand how much home you can realistically afford.

    Use the calculator below to determine the price range and how much home you should actually be looking for based on your current financial situation. From there, start the search for your dream home with confidence, buying power, and Central Bank by your side.