Huntington Bank review

Reviewed by the Editorial Team · Updated July 10, 2026 · 6 min read

A large Midwest regional bank and active SBA and mortgage lender with community-loan and grant programs.

Huntington Bank by the numbers

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.

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:

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:

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:

1. Get three or more Loan Estimates in a two-week window — the bureaus treat it as one inquiry.
2. Compare the APR, not just the headline rate — it folds in the fees.
3. Weigh service and loan-type fit, not price alone.
4. Verify licensing on NMLS Consumer Access (Huntington Bank's HMDA filer ID: 2WHM8VNJH63UN14OL754).

Benchmark whatever you're quoted against today's average rates by loan type.

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.