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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

With 7 years of industry experience, Luis has built a strong reputation for his expertise and commitment to customer satisfaction. Whether assisting first-time homebuyers or seasoned homeowners, he ensures that clients receive comprehensive support throughout the mortgage process. 

Luis stays up-to-date with the latest market trends and regulations, ensuring he provides the most relevant and accurate guidance to his clients. His extensive knowledge covers various loan programs, including conventional, FHA, VA, and USDA loans. With his guidance, clients can navigate the complexities of the mortgage lending landscape with confidence




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

Luis Gabriel Rios
Senior Loan Officer

Mortgage Division
First Citizens Community Bank
1300 Route 73, Suite 105
Mt Laurel, NJ 08054
Cell: 267-319-5527                                                                                 
[email protected] 
NMLS # 1611720