Michael P. McCarthy

Senior Loan Officer

Office: 855-707-2766
Fax: 317-713-4589
Email: mmccarthy@firstib.com
NMLS #: 261013

11201 USA Parkway
Fishers, IN 46037

          About Me          

Easy process. Quick approvals. Exceptional service.

At First Internet Bank, our goal is to give you an extraordinary experience from start to finish:

  • Fast, easy and hassle-free process — to get you to the closing table as quickly as possible
  • Intuitive application and loan portal — to make it a breeze to share with us what we need to know

We’re committed to providing timely, attentive service when you need personalized attention…and state-of-the-art technology to lead you through the process if you’re the DIY type. It’s our way of giving you the best of both worlds. (Oh, and our rates aren’t too shabby either. Just sayin’.)

About me:

Whether you’re buying your first home or your tenth — or you’re looking to refinance an existing property — I’m committed to providing an exceptional experience from start to finish. I’ll take the time to answer all of your questions and work with you to find the best loan option for your specific situation.

About First Internet Bank:

From our founding in 1999, First Internet Bank has been passionate about delivering the convenience of technology and unparalleled support to our customers in all 50 states. We’ve helped thousands of people like you achieve their dreams of homeownership. With competitive rates for mortgages and refinancing, low fees and a straightforward process, our entire team is dedicated to serving you. We’ll guide and advise you — honestly, openly and without surprises — every step of the way.

First Internet Bank offers a variety of mortgage loan options including:

  • Conventional, fixed-rate loans
  • Adjustable-rate loans
  • VA and FHA loans
  • Jumbo loans
  • Home equity loans and lines of credit

Don't just take my word for it

"Michael responded to my phone call or emails within hours not days and always explained things in a way I would understand. He was so patient and helpful I never doubted that “his” virtual company would exceed my expectations and they did. Smoothest closing I’ve ever had and I’ve bought 9 homes, and sold just as many!"- Audra, Social Survey review
"I was introduced to Michael McCarthy at First Internet Bank about 5 years ago when I needed to refinance my home. Michael McCarthy is an expert and makes it easy. I not only found a great competitive rate that was less than other lenders, I found someone who treated me like more than a client. He would ask how my family is doing and got to know me on a more personal level. I’m in the process of purchasing a new home now. I called Michael and compared lenders again. Rinse and repeat all the above! Michael McCarthy is who you need to go to."- Jason, Lending Tree review
"We used First Internet twice in the past five years. Both times the process was smooth and (especially the most recent with Mike McCarthy) seamless. The rates are GREAT too!!! I highly recommend using them for your mortgage or refinance."- Ben, Bankrate review
"What an experience from start to finish! Michael P. McCarthy (NMLS 261013) made the difference from the beginning! Applied online for re-finance, Michael was the 2nd person to call me back (not the auto robot responses that you get tons of them but a real human). He took my details and gave me the quote! I continued shopping, started getting competitive rates but didnt sound trust worthy! What I felt was I didn't had to bargain with First Internet Bank and with the rest of them I had to. In the end, I felt, FIB (First internet bank) gave me the best rate without even bargain while others tried to beat it or match it after I bargained! Obviously, FIB was the winner not by the rate but more importantly trust with their honest upfront quote! So, I continued with FIB and closed the deal. There were some delays due to some verifications etc, but Michael's prompt responses and solid initial quote made me stick with them. The entire process took over a month due to delays at my end, but the numbers I got from Michael were very much same at the time of signing closing documents. No hidden stuff! I don't write reviews much but Michael and his team definitely deserve it!"- Vik, Credit Karma review

Resources, insights and information

First-Time Homebuyers

Review 8 helpful tips to consider when buying a new home

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Loan Options

First Internet Bank offers a variety of mortgage loan programs with competitive interest rates.

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Pre-Qualified vs. Pre-Approved

Learn the difference and how to use each to your advantage

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VA Loans

Understand the benefits for veterans and active military members.

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