First Internet Bank
AUTHORIZED PARTNER

First Internet Bank

 5.0/5 (38 ratings)
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First Internet Bank

Lock in your rate

Rates are expected to jump after the next Fed meeting

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Written by Jennifer Schurman
Edited by Sally Jones

About First Internet Bank

First Internet Bank (NMLS #424182) is an online-based financial institution that offers a variety of loan programs to fit borrowers’ needs. You can get a fixed or adjustable rate, and it has more loan types than many lenders offer. Options include conforming conventional loans, jumbo loans, FHA loans, VA loans, construction loans and home equity loans. You can apply on its website.

Overall Satisfaction Rating

  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars

Pros

  • Online application process
  • Available in all 50 states
  • Offers a wide variety of loan products
  • Loan officers are available via phone and chat

Cons

  • Requires a 620 credit score for FHA and VA loans
  • No in-person branches

Bottom Line

First Internet Bank is a full-service online bank with home financing products for many different needs. If you prefer a digital-first experience, it may be a good option. However, its lending requirements are stricter than average, and you’ll need to apply for preapproval to see rate options for some of its offerings.

First Internet Bank Reviews

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Page 2 Reviews 5 - 35
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Sept. 29, 2022

All of my requests were met with pleasant urgency and patient explanation of details and context. For such an attractive loan product, the process was incredibly smooth and painless. The interest rate was very competitive and avoiding PMI was great financially, as well as avoiding disappointing complications that can kill an otherwise great deal.

First Internet Bank response

We’re glad our team was able to provide a smooth mortgage process AND fast, reliable customer service. Thanks for choosing us, Jamey!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Sept. 19, 2022

The ease and timeliness of our Home Refinancing Loan with First Internet Bank of Indiana was great. We really appreciated all the communication and customer service. Grant ** and other loan assistants responded quickly to questions. They provided us with a great rate, processed and went to closing quickly, making the loan experience better than expected.

First Internet Bank response

Hi Sharon! We know how stressful refinancing your home can be. That’s why our team makes sure you’re comfortable by providing great support every step of the way. We’re glad to have been able to make your experience a 5-star one and look forward to working with you again in the future!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Sept. 6, 2022

We had a great experience with our loan from start to finish. Our questions were answered, all documents requested were clearly spelled out. The team we worked with was timely, professional and kind. We highly recommend this company! My wife and I are very happy customers!

First Internet Bank response

That’s right. A simple, smooth refinance process is our goal every time. Thanks for sharing, Orlando!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Aug. 22, 2022

This process with First Internet was amazing, very responsive helpful staff. I worked with Bertie **, she was so kind and treated me like someone she genuinely cared about. I would recommend her to anyone looking for a good loan.

First Internet Bank response

That’s right, Alyssa. No matter where you are in the mortgage process, our team makes YOU the priority and that makes all the difference. Thanks for sharing your experience with us!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Aug. 8, 2022

Good that I just try to apply for the personal loan so I have a good experience with you guys. So can I try to apply for my personal loan, please I have a call when you guys but you close already. I put my new debit card in there for charge.

First Internet Bank response

Hi Luis, thanks for reaching out. Please contact our relationship bankers at bank@firstib.com or 1-888-873-3424 and they would be happy to assist you.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Aug. 3, 2022

We were in a situation where the sellers needed a quick closing. Derek ** managed the entire process from initial inquiries through closing in under 30 days with excellent service and communications. Pricing was on point (less than the industry average) and the process was flawless.

First Internet Bank response

Great rates AND a fast closing? It really doesn’t get much better than that. Thanks for choosing us, Alex!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: June 24, 2022

Brian stayed on top of everything the entire process. He was patient with me, even when I was not, and very helpful with detailed explanation of all the things I didn't understand. I've already bragged to several different people that he really helped smooth the whole stressful process out for me. Thanks again Brian and your whole team for getting me and my family through everything.

First Internet Bank response

Hi Jesy, we’re glad our team was able to provide a smooth mortgage process AND excellent customer service. Thanks for choosing us and we hope to be able to work with you again in the future!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: June 16, 2022

Katherine is really helpful and supportive. It has been a pleasure to work with her and her entire team including Katie. First Internet Bank is so lucky to have a person like Katherine **. I will certainly recommend your services to anyone I know who needs a mortgage. Thank you once again!

First Internet Bank response

Our team IS awesome, but not as great as customers like you! Thanks for the review, Sahil!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: June 1, 2022

From the very first contact, information seemed to flow covering the majority of my questions. My emails and phone calls were addressed right away. Everything that I was told was very accurate and truthful. This was the fastest I have ever closed! I would not hesitate to use or recommend First Internet Bank!

First Internet Bank response

A smooth mortgage process with great rates, along with excellent customer service? You just can’t beat it! Thanks for the recommendation, David. We appreciate the review, and look forward to working with you again!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 26, 2022

All of my interactions with my lending manager were clear, concise, accommodating, and informative. The loan product I received was beyond my expectations. I had a unique experience where I had to be out of the country during closing. All of the communications were handled with professionalism and flexibility along the journey. Thanks!

First Internet Bank response

Hi Ellen! We love it when we exceed your expectations in every way. Thanks for sharing!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 20, 2022

Honestly it was 100% Jessica ** that made me ultimately pick this company. I had three companies I was deciding on and my experience with her and the way she handles things is hands down the best I could of asked for. I am very pleased with my experience. I couldn't thank her enough.

First Internet Bank response

You got it, Jessica. We love when we can provide a great customer service experience. Thanks for choosing First Internet Bank!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: April 21, 2022

Partnered with FIB and Scott ** to purchase my first home. Was an extremely efficient process from initial request through closing. The FIB team was helpful in quickly answering questions (which I had quite a few). I strongly recommend FIB, and specifically Scott, for your next mortgage.

First Internet Bank response

Hi Ross, we’re glad our team was able to provide a 5-star experience for you, and we hope to be able to give you that same top-notch service in the future!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 21, 2022

Ray was awesome in assisting us with our refinance. We were able to shave nearly 2 points off our mortgage AND convert to a 15-year loan. We cannot be more thrilled with Ray and his help during this process.

First Internet Bank response

Whether it’s your first loan or fifth, our team works hard to get you the best rates while providing the support you need along the way. Thanks for choosing us for your refinance, Kenith!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 14, 2022

It was great experience working with First Internet Bank for our home mortgage, we got best rates, service by Joye ** was excellent, fast, honest and very helpful. FYI It was also our second time using the First Internet Bank.

First Internet Bank response

We love it when you’ve had such a great experience, you can’t help but choose us again. Thank YOU, Swetha, for the awesome review!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 8, 2022

Joey ** was the best representative I have ever had the pleasure of dealing with in my life, and I am 77. He was respectful, fast, courteous, and HONEST, and extremely knowledgeable. I would recommend him and his bank to anyone who is looking for a mortgage, a refinance, or a reverse mortgage (or whatever else he might be able to help you with).

First Internet Bank response

We love when our team and refinance process not only meet but exceed your expectations. We appreciate you, George, and your business!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 4, 2022

Rick ** at First Internet Bank made it easy to communicate, fill out paperwork, and most importantly made it easy to compare loans to determine that First Internet Bank had the best rates! Will use them again and refer them to family and friends. By the way, this is my second refinance with them!

First Internet Bank response

We love it when you’ve had such a great experience, you can’t help but choose us again. Thank you, Rama, for the awesome review!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 3, 2022

Very positive experience obtaining a mortgage through First Internet Bank. Great employees, smooth process, great rates. Ryan S. and Melissa Z. were excellent. I recommend First Internet Bank, will consider them again.

First Internet Bank response

A smooth mortgage process with great rates, along with excellent customer service? You just can’t beat it! Thanks for the recommendation, Adam. We appreciate the review, and look forward to working with you again!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Feb. 1, 2022

FIB and my loan officer, Greg **, were highly professional and efficient. They executed my transaction flawlessly. They were clear and detailed and delivered exactly what they marketed. I received positive reviews of them from all transaction stakeholders.

First Internet Bank response

Hi Christopher- we’re so happy to read about your mortgage experience with us and look forward to being there for you in the future!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Jan. 31, 2022

Joey did a great job in starting, working through and completing my refi loan with First Internet Bank. We got the entire process completed in about 5 weeks. Joey was always right on the spot if any problems or situations I couldn't handle came up. I would recommend Joey to anyone for handing a refi loan! JJC

First Internet Bank response

We love when our team and refinance process not only meet but exceed your expectations. We appreciate you, John, and your business!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Jan. 24, 2022

Joey was fantastic throughout the whole home buying process. Being first time home buyers, we had no clue what we are doing. Joey kept communication with us and our realtor consistent and welcoming. He ALWAYS got back to us and most importantly, kept the ball moving till we got the loan. Hats off to you and your team at First Internet Bank.

First Internet Bank response

We love it when our mortgage process and customer service makes your experience a 5-star one. Thanks for sharing your experience with us, William!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Jan. 20, 2022

First Internet, the loan officer was clear and transparent about the loan process, was responsive with my questions. At every step from document uploads I needed to provide they were there to guide me and what was required. Rene

First Internet Bank response

We know how stressful the loan process can be, that’s why our team works hard to provide as much – or as little – support as you need. We hope to get the chance to work with you again in the future, Rene!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Jan. 19, 2022

I have worked with Derek and his team 3 times - original home purchase, refi and HELOC. Always professional, timely, courteous, accurate and just way above board!! You can tell Derek and his team really care about customer service and they strive to and actually make it a reality. I always feel valued as a customer and well cared for.

First Internet Bank response

Gary We appreciate the review. Sounds like you had a great experience with us - thanks for choosing First Internet Bank a third time!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Jan. 14, 2022

We were on a tighter timeline to close our new home purchase sooner than the standard timeframe. We select First Internet Bank because they offered the best interest to us. But our loan process was even more pleasant. The loan officer and the loan processor were very quick with their work and explained things properly to us and answered our questions promptly. They made it happen well within our timelines despite holidays being in-between. Very pleased with the quality of service we received from First Internet Bank.

First Internet Bank response

We love when our team and loan process not only meet but exceed your expectations. We appreciate you, Ashish, and your business!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Jan. 4, 2022

Thank you so much Ashley ** at First Internet Bank! We really appreciate all your assistance and effort! I can't thank Ashley enough for all she did for us! Ashley and her team were amazing! She was very professional, available whenever we needed her. She guided us until the very end. I highly recommend Ashley to anyone who’s looking to buy or refi a house!!! First Internet Bank is by far the best out there!!!

First Internet Bank response

That’s right, Van. No matter where you are in the refinance process, our team makes YOU the priority and that makes all the difference. Thanks for sharing your experience with us!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Jan. 2, 2022

Nikko at First Internet Bank was great and responsive throughout the whole process. There’s not anything I was guessing about through the whole process and communication was always quick. Would no doubt use him again, and had no problems with FIB. Everyone from Nikko to loan processor to closing specialist were very easy to work with and very kind. No regrets with going with them.

First Internet Bank response

You got it, Kyle. No surprises is always the best surprise! We’re glad our team was able to help make your mortgage experience a 5-star one and look forward to working with you again in the future.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Dec. 24, 2021

First Internet Bank gave us the best rates out of 8 different companies me and my wife talked with. At first we thought it was too good to be true but in the end we were able to get a 2.375% Interest rate on a 30 year term. No other company would come even close. I was extremely impressed with how efficient the process was with no hidden fees!

First Internet Bank response

Simple process? Great rates? Sounds like you had a great refinancing experience, Tariq. Thanks for sharing!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Dec. 14, 2021

First Internet handled everything. They didn't pass me around to other companies with different expectations and patterns of communication. Their site was very easy to use. They fulfilled all of the promises and were very pleasant to work with.

First Internet Bank response

We know how stressful the loan process can be, that’s why our team works hard to provide as much – or as little – support as you need. We hope to get the chance to work with you again in the future, Rodney!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Dec. 3, 2021

Jeff ** was incredibly knowledgeable and transparent. I couldn't have asked for better service. I would recommend him to anyone and hope to have the pleasure of working with him in the future. In addition Jacob ** was also very transparent and went out of the way to help me understand everything during the underwriting process. I was lucky to have an excellent team.

First Internet Bank response

Hi Michael! We know how stressful the mortgage process can be. That’s why our team makes sure you’re comfortable by providing great support every step of the way. Thanks for the 5-star review!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 27, 2021

Working with Rick **, is always a pleasure. This is the 3rd or 4th time I have contacted him, and will continue to do so in the future. The experience is always pleasurable from start to finish! I have referred him to family and friends and I will continue to do so. Thanks once again Rick, to you and your wonderful team.

First Internet Bank response

We love it when you’ve had such a great experience, you can’t help but choose us again. Thank YOU, Susan, for the awesome review!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 19, 2021

Thomas and the entire team did a great job! Great response speed to questions, very clear communication. I saved literally tens of thousands in interest and cut my rate almost in half. Great work by FIB, highly recommend!!

First Internet Bank response

Our team’s got your back no matter what, Jason! Thanks for sharing your refinance experience with us!

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First Internet Bank Company Information

Company Name:
First Internet Bank
Company Type:
Public
Ticker Symbol:
INBK
Year Founded:
1999
Address:
8701 E 116th Street
City:
Fishers
State/Province:
IN
Postal Code:
46038
Country:
United States
Website:
www.firstib.com

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