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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

My name is Joe Panepresso and I am a Senior Loan Officer here at FCCB with quite a bit of experience in this industry. I earned my Real Estate license in 1983 and have been a Mortgage Lender since June 1986. 


I know how important it is to obtain accurate and timely information, so I keep my laptop and phone with me to ensure prompt communication.


Providing top-notch experienced service and advice tailored to your specific situation is something I take great pride in. I attend most of my closings personally to answer any questions and provide reassurance. You deserve that!


I grew up in Philadelphia and for the last 35 years, I have lived in Bucks County. I am a father of 3 daughters, a grand-pop to 3 youngsters, and have been married for 33 years.


Contact me today to get started!




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

Joe Panepresso
Senior Loan Officer

Mortgage Division
First Citizens Community Bank
1800 Byberry Road, Suite 900
Huntingdon Valley, PA 19006
Office: 267-280-4040 ext. 6139                                                                                                                                            Cell: 215-805-2091
[email protected] 
NMLS # 133551