Chris Fox - President

13354 Manchester Road, Ste. 200
St. Louis, MO 63131
314-567-9795 x101
[email protected]
NMLS 299552

Co Founder and President, Chris Fox, has over 15 years of industry experience including sales management with various retail and wholesale lending institutions. Chris graduated from the University of Missouri - Columbia with a Finance Degree and earned his MBA at the University of South Florida.  Chris oversees the operational functions of the company including pricing analytics, underwriting, investor relations, and financial reporting and analysis.  In addition to managerial duties Chris originated 80 million in residential mortgage loans in 2016 which placed him in the top 1 percent of originators in the state of Missouri. 

Chris played baseball and rugby in college and played club rugby for many years after college.  He currently coaches Rugby for Washington University and a club team in St. Louis. He is an avid sports fan and enjoys spending time with his wife, Melissa and daughters, Keira and Kinley.


"The entire refinance process my wife and I experienced with F&B Financial was a fantastic experience and very successful. The work from F&B on our behalf was both extremely professional and personable and I cannot express in words my gratitude. I had no doubts beginning the process based on a close friend's recommendation; but I was blown away by Chris Fox, his staff(specifically Jennifer Mack, Mike McKillips, and Cindy Cooper) and the professionalism, not to mention the personal involvement as well. My wife and I were treated as if we were the only clients Chris and his staff were dealing with, even though that is obviously not the case based on the huge success their business is doing. And I am positive their business will continue to strive if other clients are treated and served as we have been. There is no doubt as to who we would refer and/or recommend for any home mortgage, refinance, construction or equity credit needs!"

Chris and Kristy Whipple - Refinance Customer 

"Chris Fox and his team stayed on top of our refinancing needs. They kept us up to date on low rates, locked us in at the most opportune time and quickly handled all the paperwork. I have referred several friends, family and clients to him."

Tom Domian - Financial Advisor Edward Jones

"We own a comprehensive wealth management firm, and we use F&B Financial Group to handle all of our client's mortgage needs. They have delivered with every client which has helped our business grow! Plus, the feedback from each client has been excellent. I would recommend F&B to anyone!"

Timothy Banks - Financial Advisor

"I have worked with Chris Fox and the team at F&B Financial on numerous occasions in the financing and refinancing of both my personal home and investment properties. Their knowledge and professionalism were what initially got me interested in meeting with them. The company's competitive rates, consistent follow-up and quality service were the keys to me using them again and again. I would have no problem recommending them to anyone needing a quality mortgage banker that they can trust."

Jason Larch - Financial Advisor, Morgan Stanley Smith Barney

"We have refinanced our previous home twice and just financed a new home purchase with F&B Financial Group. They have always had or matched the best rate we could find. Chris Fox and the crew at F&B have been great. They make the process relatively painless with close attention to the details and clear explanations of the paperwork throughout. We have never been unpleasantly surprised. Our recommendation is simply that we keep coming back to F&B."

Bill Gavin in Lafayette Square

"Chris has been great to work with over the years. He has helped so many of my buyers find the loan product that is right for them and is always accessible for any questions they might have. Even after closing he keeps in close contact to let them know when it is a beneficial time to refinance. The knowledgeable staff makes the transactions even more enjoyable and are super-easy to work with!"

Kenny Reinhold - CBG Real Estate Agent

"Chris and his team have a excellent understanding of the mortgage process and were able to clearly explain options for my mortgage.  They also stayed on top of the underwriting process and kept me updated to expedite the completion of my loan."

Mark Schuchardt - Northwestern Mutual Financial Advisor

"All requirements were covered and acted on.  If it was not right it was made right and explained why it was changed.  Chris knows his business and we felt comfortable with the way closing was handled."

Cliff Politte - Former MLB Pitcher

"Chris is very quick to respond and always treats every deal with a hands on approach.  He is actively involved in the initial process of explaining options and rates and throughout the process and shows up to every closing with a check."

Mary Beth Bradford Wallace - Realtor at Realty Executives St. Louis

 "I have personally financed through F&B Financial Group and Chris Fox 5 times and they do a fantastic job.  The entire team makes everything fast and easy."

Dr. Ryerson in St. Louis

"Chris Fox and his incredible team made the home buying experience fun and stress free! They consistently delivered client service that was above and beyond! My deal was anything but easy, and Chris worked hard to get the job done! He was always positive and always available when I needed him! I give this team my highest recommendation!"

Lizzy Dooley - Realtor at Laura McCarthy

"F&B provided excellent rates but, more importantly, provided honest feedback about the state of the changing mortgage rate and timely responses to inquires and changes.  We always felt as though we were being dealt with honestly."

Lisa Oliverio in St. Louis

"I had some circumstances that were out of the ordinary.  I thought I would not be able to obtain a loan to purchase my home.  A friend referred me to Chris Fox.  He was able to find an alternative to allow me to be able to buy my new home.  It's because of him that I am now a homeowner.

Laura Walter - Executive

"Chris went above and beyond in contacting us and directing us toward the very best deal for us in our retirement years.  He is always available and willing to explain things to us.  We are delighted with the service we received from F&B Financial.".

Peggy and Gary Waller - Retired

"My experience buying my condo was amazing.  Chris and his associates answered all of my questions, were very thorough in all aspects of the process, and made the mortgager acquisition so painless.  I would recommend Chris to all of my friends!"

Sue Seymour - Retired educator

"Chris and Sarah were excellent to work with.  Getting your first mortgage can be a bit overwhelming but they were right there every step of the way.  We greatly appreciated the speed at which they followed up with out questions.  You fee like you're their #1 client all the time!"

Charlotte Chapman - First Time Home Buyer in Orlando

"My wife and I had a great experience with Chris Fox and everyone else that helped us through a new experience in life. We appreciate their professionalism and communication through the whole process which made buying a house a great experience!"

Eric Ertl - Relocated to St. Louis

"Being a mortgage professional, I have high standards when it comes to customer service. Chris Fox and team exceeded my expectations. This was the smoothest mortgage transaction I've been a part of and will continue to use F&B Financial Group for all of my home financing needs."

Eric McDaniel - Mortgage Underwriting Manager

"Chris made the loan process very easy and easy to understand. There were a lot of things I had questions about and he answered every one of them. I am completely satisfied with the experience we received and making this process seamless."

Josh Zoellner - First Time Home Buyer

"I found both Chris Fox and F & B Financial Group to be extremely professional and on point. Every time I called for an update who ever I spoke to was familiar with case or someone that was called back very quickly. It was a great experience."

Zak Baisch - Local Business Owner in St. Louis

"Every element of F&B's service is outstanding. I received a great rate and was fully informed of all the details of the process every step of the way. The mortgage was completed very quickly and I was very happy with all aspects of the transaction!"

Pat Larch - President of United Van Lines

"Our experience was actually night and day from the previous mortgage company we used. In fact, I was hesitant about going through the refinancing process again as the last experience was awful. However, the entire process was seamless. I felt respected and our needs were met. The communication was timely and spot on. I would highly recommend your services to others!"

Kristine Breen - Refinance client in Florida

"Our situation was tricky with multiple businesses and incomes. Chris' team really came together to make sure we got into our dream home!"

Steven Ewing - Lead Singer of "The Urge"

"Best mortgage experience ever. Incredibly low rate, excellent customer service and most importantly closed quickly."

Peter Marbarger - Merrill Lynch - Financial Advisor

"Incredible service from beginning to end. It takes a considerable amount of trust and cooperation between a client and their lender to achieve a successful closing in this real estate market, and Chris Fox and his team are the gold standard. Period."

Kerry Brooks - Dielman Sotheby's - President

"Chris was awesome it was a pleasure working with him and his team. Any questions I had he was there to help me . My mom and dad also worked with him and love Chris Fox."

Tracey Monroe - First time home buyer in Orlando

"I've dealt with a few different mortgage brokers over the years and this was easily the best all around experience. Chris was alway quick to respond to questions and was there for anything every step of the way. In addition, the document collection process was seamless and easy to complete. I'm completely satisfied and they've earned a lifetime client."

Mike Reither - Refinance Customer

 "We were impressed with F&B Financial from the initial conversation with Chris. We were also extremely grateful of the flexibility, patience, and apt communication that Chris and his team provided. Every single part of the process was explained; nothing was hidden from us. And no one at the company, especially Chris, minded multiple phone calls and emails to explain the details or to ask exploratory queations. We would not hesitate to use F&B on the future... when it comes to money and a home purchase, we expected the financial part of the transaction to be a bit more stressful. But Chris and his team made it a non-event and really took care of us and made us feel very comfortable."

Brian Reed - Home Buyer

"Working with Chris Fox and his team was wonderful. They were all very helpful, quick to reply to any questions we had and knowledgeable. I would definitely recommend them!"

Leah Myers - St. Louis Area Home Buyer

"Chris and the staff at F&B were responsive to my every mortgage need. They extended every courtesy and convenience, including coming to my office and to my home to close the deal. Exceptional service. I would recommend to friends and family."

Dr. Silverman - Referral from CPA

"My Wife and I first worked with Chris and F&B Financial for our initial home loan in 2009 and had a great experience. That experience resulted us coming back for our refinance and we again could not have been happier with the entire process. The entire process was clearly explained and any questions we had were answered quickly. We would definitely recommend."

Jason Kesterson - Repeat purchase and refinance client

"Chris was extremely prompt to respond to me phone call. He came highly recommended by my financial advisor and I have to tell you, I am not at all disappointed. He is a great asset to your company."

Jacqueline Shields - Referral from Financial Advisor

"Chris and his team at F&B did an original loan an 3 refi's for me so needless to say I'm very pleased with the service. Very simple home loan process and customer service is second to none, really! Chris is very knowledgeable and professional and truly wants to save his clients money. I would recommend Chris and F&B to anyone. The are awesome!"

Tonia Culp - Police Officer

"This was my first time refinancing, so I had lots of questions going into it. Chris was very helpful through the entire process. I shopped around quite a bit before hand, Chris was at or below the rates other lenders were offering, with cheaper closing costs. I work nights, so a lot of the emails I sent him were in the wee hours of the morning. I was surprised to be getting responses at 4 and 5 in the morning, even before I'd settled on refinancing through them. Chris and his crew really do go the extra mile to make sure you get top notch service through the entire process."

Alan Humbertson - First time client

"Chris and the F&B team made refinancing clear and as easy as possible. Far and away the simplest, best experience we have had. Thank you!  Every question we had was answered quickly, professionally and respectfully."

Erik Nielsen - Refinance client

"As a first time home-buyer, the entire home buying process can be overwhelming and downright scary. Thankfully Chris and his team were there to support me through the process and help me make some big decisions. Buying your first home is a pretty big deal and I am glad Chris and his team were there to help make it as smooth as possible."

Kienan Shaw - First time Home Buyer

"Chris fox and his associates were great throughout the entire home buying process! They were available to answer all of my questions at a moments notice."

Joseph Schreiner - Florida Home Buyer

"Chris and Steve were professional and excellent to work with. They were always prompt in getting back to me whenever I called or emailed with any questions. Thank you for making this process so smooth and easy for me!"

Dulce Smith - Florida Refinance Customer

"I have experienced the loan process several times over the years. Working with you and your group proved to be the easiest and most pleasant of all those experiences. Thanks again for all your help.

Joyce Perlow - Retiree

"Buying a home, selling a home, and moving our family from Chicago to St. Louis was a very stressful process. Thankfully, the lending experience we had with Chris Fox was not. Chris and his team were friendly, responsive, professional, and most importantly got us great terms on our new home. I would highly recommend F&B Financial Group to anyone with mortgage needs."

Stephen Eberle - Relocation

"F&B was amazing as usual. Chris always knows the answers and I was completely confident with having him and his team helping with purchasing my condo. Ashleigh Kondracki also helped keep the process going smoothly and was wonderful. I couldn’t have worked with a better group of people. Thank you again Chris and Ashleigh!"

Kathy Moore-Smith - Repeat Home Buyer

"This firm was very thorough and explained every step of the process. I feel they have integrity and I trusted them. Thank you very much."

Vickie McKiel - 2nd Home Purchaser

"We found a house...started the process and ended up passing due to the inspection. As luck would have it we found amother home within 24 hrs. The sellers wanted a quick closing. The apartment complex we lived in had a renter to take our lease and things were happening in a hurry. F&B worked with us and in a week we were closing on the house. The F&B team never said, no...always worked towards making things happen. Our realtor was so impressed with the speed and quality Chris and his team provided! In addition, I had an old fraudulent account fron ID theft show up on my credit, emailed docs to Chris and BAM, he took care of it and all was good!!"

Cary Kelly - Referred by a past client

"Chris and his team made this first time homebuyer understand the mortgage process, save money where possible, coordinate with all other parties involved, and complete all documents necessary. The next time I purchase a home, I plan on contacting F&B Financial."

Adam Notch - St. Louis City Police Officer

"Our overall experience was amazing from everyone in the company. From the first person that met us at the door to the processors of our loan and the president of the company, we were treated with respect and everyone did everything they could could make the process go smoothly. And it did. We looked at two other lenders and got to the point that we just decided to go with F and B and are so glad that we did. Our closing went smoothly and everyone communicated with us often about what was happening in our loan process. We would recommend F and B to anyone needing a home loan. "

Benita Vaughn

"It was a pleasure having Chris assist us in buying our new home. He made sure we were well taken care of and explained every step of the way in terms we would understand. Buying a new home is stressful, but Chris was amazing and made it enjoyable. His team is also wonderful. You cannot go wrong using his services!"

Kimberly Andersson

"Chris and his team were amazing! By far the best communication we have received from anyone in the mortgage field. They were easy to work with, punctual, timely, and honest! Thank you!"

James Heafner

"F&B gave me the service they would want for themselves. They were always available, approachable and very friendly. I would definitely recommend them."

Evangeline Lettnecker

"This was by far the most streamlined refinance I have ever done. I was reluctant to refinance after a recent bad experience. I would 100% recommend F & B Financial Group to others."

Jody Crow