• Our Leanders
    Tom Pike

    Tom Pike

    Vice President, Mortgage Lending

    Central Bank of St. Louis  
    2996 Highway K 
    O'Fallon, MO 63368 
    p: 636.736.3092 
    c: 314.799.5125 
    Email Tom 
    NMLS# 595491

    For the past 16 years Tom has helped over 800 families finance their dreams. Whether you are buying your first home, building your dream home or refinancing your existing home, he will help you find the best mortgage for your needs. He has been writing home loans at Central Bank of St. Louis for eight years. It's your home and future. It's his profession and passion. He is ready to work for you.

    Support Staff:
    Tiffany JonesHerrick, Loan Officer Assistant, 314.219.0456, Email Tiffany, NMLS#1559841
    Kara Plunkett, Processor, 314.219.0454, Email Kara, NMLS#1474742


    "Tom is second to none. He makes the process seamless and explains anything about it. He was available anytime for questions" SS

    "Tom's service was beyond my greatest expectations" MH

    "Everything was handled so comfortably. I had lots of options" JW

    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.

    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.

    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.