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More Than Just a Lender

FCCB is here for all your mortgage needs. From Refinance to Purchase and everything in between, FCCB has you covered!


Our goal is to provide a superior mortgage lending experience. That means going above and beyond normal expectations and delivering exceptional service each and every time.


“FCCB goes the extra mile to ensure my customers’ loans are always closed on time. Escrow Management makes deposits a breeze. I truly appreciate the personal service that FCCB provides.”

John Spognardi, Owner Operator
Re/Max Signature
Customer since 2016



About Me

Purchasing a home is one the most important investments that you will make in your lifetime. There are many things to consider when buying a home or refinancing an existing loan.


I will do everything in my power to ensure a smooth loan process. I will help you understand all of your loan options so that you can concentrate on making the best decision for your specific needs. Honesty and integrity are the benchmarks for my business.


My goal is to create lasting relationships for life with my customers. Contact me today to make your homeownership dreams come true!




At FCCB, we believe investing in our communities encourages growth and helps our local economies thrive. We continue to help our customers succeed and strive to make it happen for you!


When you work with us, you can expect:

  • The utmost care and attention from a hard-working team.
  • Mortgage Products and solutions tailored to your needs.
  • The latest technology in mortgage lending enabling a fast an efficient loan process. We care deeply about the happiness and success of our customers and are trained to turn that care into action.

We dare to be different.



Contact Us

Bill O'Neill
Senior Loan Officer

Mortgage Division
First Citizens Community Bank
1800 Byberry Road, Suite 900
Huntingdon Valley, PA 19006
Cell: 215-651-3748                  
[email protected] 
NMLS # 192101