Huntington Bank mortgage review: rates, costs & calculator
A large Midwest regional bank and active SBA and mortgage lender with community-loan and grant programs.
Huntington Bank mortgage rates: what borrowers actually paid
Huntington Bank prices each borrower individually, but federal loan-level records show what its borrowers actually got. On 3,263 conventional 30-year fixed purchase loans with at least 20% down closed in 2025, the median rate was 6.625% and the median APR was in line with the typical lender's, with $4,283 in loan costs.
| 2025 home purchases | Loans | Median rate | APR vs benchmark | Loan costs | With points |
|---|---|---|---|---|---|
| Conventional · Huntington Bank | 3,263 | 6.625% | +0.01 | $4,283 | 44% |
| Conventional · all lenders | 700,082 | 6.50% | +0.02 | $5,476 | 53% |
| FHA · Huntington Bank | 1,357 | 6.50% | +0.56 | $7,936 | 49% |
| FHA · all lenders | 516,729 | 6.25% | +0.42 | $11,291 | 59% |
| VA · Huntington Bank | 415 | 6.25% | −0.28 | $3,460 | 53% |
| VA · all lenders | 291,383 | 6.125% | −0.36 | $6,554 | 59% |
What the numbers say
- On conventional loans, Huntington Bank priced about like the market: a median APR +0.01 percentage points against the benchmark, versus +0.02 for all lenders.
- Other loan types: FHA 0.14 percentage points above the market (1,357 loans); VA 0.09 percentage points above the market (415 loans).
- Borrowers paid a median $4,283 in loan costs — $1,193 less than the $5,476 typical across all lenders.
- Only 44% of its loans carried discount points (53% overall), so its rates were mostly not bought down upfront.
- 60% of its loans came with lender credits toward closing costs, versus 33% overall.
- Its borrowers took smaller loans (median $235,000 vs $325,000), which moves dollar costs and can move rates too.
How Huntington Bank compares on conventional loans
| Lender | Loans | Median rate | APR vs benchmark | Loan costs | Lender credits |
|---|---|---|---|---|---|
| Huntington Bank | 3,263 | 6.625% | +0.01 | $4,283 | 60% |
| Chase | 20,595 | 6.49% | −0.13 | $4,695 | 28% |
| U.S. Bank | 8,383 | 6.49% | −0.09 | $4,634 | 88% |
| Wells Fargo | 8,331 | 6.375% | −0.18 | $5,267 | 80% |
| Bank of America | 6,488 | 6.25% | −0.28 | $4,758 | 40% |
| All lenders | 700,082 | 6.50% | +0.02 | $5,476 | 33% |
Source: 2025 HMDA loan-level records (FFIEC/CFPB), 30-year fixed home purchases compared like for like. APR vs benchmark = median APR minus the average prime offer rate the week the rate was set; loan costs are borrower-paid. Read the full method.
Huntington Bank mortgage calculator
Estimate a Huntington Bank payment: enter the rate from your Loan Estimate, or start from today's 7.18% average 30-year fixed rate. For reference, Huntington Bank's 2025 conventional purchase loans closed at a median 6.625%.
Prefer a full-page version? Open the mortgage calculator.
Huntington Bank by the numbers
| Home loans originated (2025) | 51,203 |
|---|---|
| Total lending (2025) | $11.6B |
| Average loan size | $226,916 |
| Approval rate* | 67.6% |
| Volume rank (our roster) | #24 of 60 |
| Largest market | Ohio |
Source: federal HMDA data (2025), FFIEC/CFPB. *Approval rate = loans originated ÷ (originated + denied). It reflects a lender's channel and borrower mix — wholesale, online and refi-heavy lenders run lower because many applications are rate shops that never close — not how hard it is to work with. See the mortgage-approval data.
What Huntington Bank actually lends
94.9% of Huntington Bank's 2025 loans were conventional, averaging $227k. Huntington Bank lists VA loans, but they were under 2% of its 2025 originations — if you need one, ask how many the loan officer closes.
| Share of 2025 loans | Huntington Bank | U.S. |
|---|---|---|
| Conventional | 94.9% | 78% |
| FHA | 3.9% | 13.2% |
| VA | 1.2% | 8.2% |
| USDA | 0.1% | 0.6% |
| Home purchase | 29.1% | 52.5% |
| Rate-and-term refinance | 15.3% | 15.3% |
| Cash-out refinance | 16.9% | 14% |
Shares of originated loans by loan type and purpose, federal HMDA data (2025). They describe the lender's business mix, not the terms you would be offered.
Huntington Bank at a glance
Huntington National Bank is the retail-banking arm of Huntington Bancshares, a Columbus, Ohio company that traces its roots to 1866.
Once a purely Ohio institution, Huntington now runs one of the largest branch networks in the Midwest, having pushed into markets like Minnesota, Colorado, and the Dakotas after its 2021 combination with TCF Financial.
That geographic reality shows up plainly in its mortgage book: of the 51,203 home loans it originated in 2025, roughly 43,000 were in Ohio, with Michigan a distant but sizable second at over 20,000, followed by Illinois, Indiana, and Pennsylvania.
Mortgages are only one piece of a full-service bank, and Huntington is arguably better known on the business side, where it has been the nation's top SBA 7(a) lender by loan volume for seven consecutive years.
Where Huntington Bank's approval rate sits
Huntington Bank's 2025 approval rate of 67.6% sits against the 76.6% national average. Read it as a signal of channel, not strictness — wholesale, online and refinance-heavy lenders run lower because so many applications are rate shops that never close.
On the consumer side it lends the traditional way: applications can be started and tracked online, but borrowers are matched with a loan officer who handles prequalification and shepherds the file to closing.
The 2025 numbers reflect a mainstream, branch-driven customer base, with an average loan size around $226,900 and roughly $11.6 billion originated.
What distinguishes Huntington is how visibly it leans into affordable and community lending. It has publicized a multibillion-dollar affordable-mortgage commitment and built products aimed squarely at buyers who don't fit a conventional credit box, most notably Huntington Home for Good, which loosens qualifying criteria through alternative-credit consideration and higher debt-to-income flexibility.
Who Huntington Bank is best for
Huntington fits buyers in its Midwest footprint who value a face-to-face relationship with a local loan officer and a branch they can walk into.
It is a particularly strong fit for first-time and moderate-income borrowers who may need down payment assistance or more flexible credit standards, and for existing Huntington deposit or small-business customers who want to keep their banking under one roof.
Loan programs at Huntington Bank
Its most notable programs and specialties:
- Huntington Home for Good — expanded-eligibility mortgage using alternative credit, flexible debt evaluation, and higher DTI limits
- Conventional loans with down payments as low as 3% for eligible first-time buyers
- FHA, VA, and USDA government-backed loans (VA closing-cost support up to $5,500)
- State bond down payment assistance programs offered across multiple footprint states
- Down payment assistance grants and low-interest second loans in states including OH, MI, IL, IN, PA, and others
- Specialty mortgages including physician loans and new-construction financing
Typical industry minimum down payment by core loan type — Huntington Bank's own minimums or credit overlays may run higher:
| Loan program | Typical min. down |
|---|---|
| Conventional | 3% |
| FHA | 3.5% |
| VA | 0% |
| Jumbo | 10–20% |
Strengths
- Deep Midwest branch network for in-person guidance and servicing
- Unusually broad slate of down payment assistance and affordable-lending programs
- Flexible-credit option (Home for Good) for buyers outside a standard credit box
- Full menu of government-backed loans alongside conventional and specialty products
- Established, well-capitalized regional bank with one-stop banking relationships
Considerations
- Lending is concentrated in the Midwest: Ohio (44.7%) and Michigan (20.9%) made up 65.6% of Huntington's 2025 HMDA records
- Huntington's online sample rates assume a Columbus, Ohio ZIP code and a credit score of at least 780; for terms in your area you need to contact a loan officer.
- Huntington's online application gathers basic details, then the bank contacts you to guide pre-approval and the rest of the process, so it is not fully self-serve.
- Huntington's down payment help mostly runs through state housing-agency bond programs, so what is available and who qualifies depends on your state's program.
Where Huntington Bank lends most
By federal HMDA records, Huntington Bank's largest 2025 markets were Ohio, Michigan, Illinois, Indiana and Pennsylvania. Explore local rates, home prices and down-payment assistance for each:
States where Huntington Bank is a top-15 lender
Ranked by home loans originated in 2025 (HMDA). Each state page compares Huntington Bank with the other leading lenders there, including FHA and VA leaders and what their borrowers paid.
The verdict
Huntington is a solid mainstream choice for Midwest buyers who want a relationship-based lender with a real branch behind it.
Its standout is affordability infrastructure — flexible-credit underwriting through Home for Good plus a wide range of down payment assistance — which makes it especially worth a look for first-time and moderate-income borrowers.
Shoppers should still request a rate quote and compare it against other lenders, since Huntington does not post pricing publicly.
How to compare Huntington Bank
Shopping a few lenders is the single most reliable way to save. Before you commit to Huntington Bank:
- Get three or more Loan Estimates in a two-week window — the bureaus treat it as one inquiry.
- Compare the APR, not just the headline rate — it folds in the fees.
- Weigh service and loan-type fit, not price alone.
- Verify licensing: search Huntington Bank on NMLS Consumer Access and match the NMLS ID to the one on your Loan Estimate. (Its LEI in federal HMDA data, 2WHM8VNJH63UN14OL754, is not a license number.)
Benchmark whatever you're quoted against today's average rates by loan type.
Huntington Bank FAQ
Is Huntington Bank a good mortgage lender?
Huntington Bank is a licensed U.S. mortgage lender and one of the largest, roughly #24 of 60 in our roster by 2025 volume, best for midwest buyers.
On price, its 2025 conventional borrowers' median APR was in line with the typical lender's, with $4,283 in loan costs against $5,476 market-wide.
Whether it's right for you comes down to the rate and fees it quotes — compare its Loan Estimate with two or three others.
What are Huntington Bank's mortgage rates today?
Huntington Bank sets rates daily by loan type, credit score, down payment and points, so the rate that counts is the one on your Loan Estimate.
For context, the average 30-year fixed rate was 7.18% in Freddie Mac's survey for the week of November 5, 2026; in 2025, Huntington Bank's conventional purchase loans closed at a median 6.625%, against 6.50% for all lenders.
How many mortgages does Huntington Bank originate?
In 2025, Huntington Bank originated about 51,203 home loans, roughly $11.6 billion in lending, per federal HMDA data — an average loan of about $226,916.
What loan types does Huntington Bank offer?
Huntington Bank offers Conventional, FHA, VA, Jumbo. Notable programs include Huntington Home for Good — expanded-eligibility mortgage using alternative credit, flexible debt evaluation, and higher DTI limits; conventional loans with down payments as low as 3% for eligible first-time buyers; FHA, VA, and USDA government-backed loans (VA closing-cost support up to $5,500).
How do I verify Huntington Bank is licensed?
Search the company's name on NMLS Consumer Access (nmlsconsumeraccess.org), the official registry of licensed mortgage companies and loan officers; the NMLS ID it shows is also printed on every Loan Estimate the lender issues. (The ID 2WHM8VNJH63UN14OL754 used on this page is the company's LEI, which identifies it in federal HMDA data — not a license number.)
This review is editorial and independent — Huntington Bank did not pay for or approve it, and all figures are from public federal data. It is general information, not a recommendation or personalized advice. Confirm all terms directly with the lender.
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