• Our Leanders
    Tom Mueller

    Tom Mueller

    Vice President
    Residential Lending Officer

    Central Bank of St. Louis
    425 N. New Ballas Road, Suite 101 
    Creve Coeur, MO 63141   
    p: 314.219.0440 
    c: 314.401.2822 
    f: 314.746.4609 
    Email Tom 
    NMLS# 295467

    With over 17 years of experience in the mortgage lending industry, Tom takes pride in finding his clients the best mortgage strategy to fit their needs. He has been honored with the FIVE STAR Mortgage Professional Award in the years 2012, 2014, and 2015. Adding to his mortgage experience, Tom has an MBA from Lindenwood University.

    “There are two words that define how I interact with every customer - I care!" Tom continues, "I treat each of my clients like family - all of my customers are clients for life! I try to understand the needs and goals of each customer and then put together mortgage options to meet their desires.”

    Tom has been married to his wife Wendy for over 25 years and together they have three beautiful children. Tom enjoys volunteering and coaching various sporting events at their schools.

    Support Staff:
    Elizabeth Cramblet, Loan Officer Assistant, 636.736.3060, Email Elizabeth, NMLS#595482
    Tim Maddox, Processor, 314.835.3719, Email Tim, NMLS#1127658

    Questions? We are here to help you.

    Calculate a Mortgage Payment

    Understanding your potential mortgage payment will help you determine what type of home is within your reach.

    Your monthly mortgage payment includes both repayment of the loan principal, plus monthly interest on the outstanding balance. A mortgage payment can also include pre-payments on property taxes, homeowner’s insurance and monthly homeowner’s association dues into an escrow account managed by your lender.



    Your Application Essentials

    Whether you’re purchasing or refinancing, Central Bank is here as your number one resource through your application and home-buying process.

    Necessary Documents to Process Your Loan

    Since the financial crisis of 2008, there are over 400 new regulations that impact mortgages. But don’t worry; we are here to help navigate these for you. These new checks and balances are necessary to protect you and to process and approve your loan. We are experts in this area, reviewing your full individual financial situation, so we can issue you a clean loan approval. The four categories we consider when approving your loan include: income, assets, collateral and credit.

    Employment Income Verification:
    To verify your employment income, we will need your last 2 years of W-2 statements and a full 30 days of paystub statements.

    Assets:
    To verify your assets, we will need at least 3 months of checking, savings, investment and, if applicable, retirement statements, such as IRA’s or quarterly 401k statements.

    Collateral:
    Along with your income and assets verification, we will need these documents and information regarding your new home purchase.

    Credit Score:
    Your credit score is one of the main elements of information we will use to evaluate your application.