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Huntington National Bank is a midwestern regional bank that offers most standard loans, as well as some specialized loans and services to help keep your mortgage costs down. But you must speak to a loan officer in person or over the phone for fees and rates.
Huntington doesn’t state minimum credit requirements, but 620 is the minimum credit score required by most lenders for a conventional loan.
Minimum credit score
Only available in: IL, IN, KY, MI, OH, PA, WV
|Loan products offered||Conventional, Jumbo, FHA, VA, USDA, Home Equity/HELOC, Refinance|
|Minimum credit score||Huntington doesn’t state minimum credit requirements, but 620 is the minimum credit score required by most lenders for a conventional loan.|
|State availability||Only available in: IL, IN, KY, MI, OH, PA, WV|
Heather Petty is a personal finance writer at Finder, specializing in home and personal loans. After falling victim to a disreputable mortgage broker when buying her first home, she’s on a mission to help readers avoid similar experiences when managing their own finances. A self-proclaimed word nerd, her writing and analysis has been featured on MSN, Credit.com and MediaFeed, among other top media. Heather previously worked as a technical writer and editor for the casino systems industry and is an internationally published young adult mystery author. She earned a BA in English with a minor in journalism from the University of Nevada, Reno.
Huntington National may be an attractive option to borrowers who like the idea of a smaller regional bank but want to choose from a variety of loan types. The bank has some great online educational tools, but the rate quote and preapproval tools are really just contact forms that make you wait for a call back from a loan officer to get any personalized information. Borrowers looking to do more research online or who live outside the bank’s seven-state footprint will want to shop around to find a better fit.
Huntington National Bank is not currently available on Finder
Have you considered First Horizon?
Multiple mortgage programs available in 12 states with no pre-payment fee.
This bank doesn’t reveal its loan requirements until you apply, but your interest rate is based on your down payment, credit score, the loan-to-value ratio of the property, property type and occupancy, and other factors relating to your personal financial situation.
To start the application process, you need the following documentation:
Huntington doesn’t list all its fees, but you can expect to pay:
You are also required to pay state taxes and provide insurance for the property.
This bank doesn’t allow online applications, but you can fill out a form to get a mortgage rate and monthly payment quote from a loan officer. This quote can be personalized if you allow the bank to check your credit report.
To get a quote, follow these steps.
A Huntington National loan officer should contact you within 24 hours to walk you through the results.
You can also start the preapproval process on the website in a few quick steps.
Again, expect a Huntington Bank loan officer to contact you within 24 hours to complete the process.
Huntington offers additional home loans, some specialized and others to help take advantage of your home’s equity:
Huntington offers all the standard mortgage purchase and refinance options typical of most banks. And while the lender doesn’t specify their credit or down payment requirements up front, the terms and rates seem to be in line with similar banks of its size. But Huntington provides a few special programs and services not widely available, such as:
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Huntington National Bank has been accredited with the BBB since 1921 and, as of July 2022, has an A+ rating. The bank has closed 1,050 official complaints in the last three years, with 432 closed in the last 12 months.
Because of the bank’s size, there aren’t many customer reviews outside of the BBB, which has 277 reviews and a rating barely over 1 star. Customers mostly complain of customer service issues, such as difficulty getting answers from representatives and not being able to speak to managers or other higher-ups directly, who are also slow to respond to email.
Huntington National Bank is a full-service regional bank with over 800 branches in seven states, including Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania and West Virginia. The bank has been in operation for over 150 years and is headquartered in Columbus, Ohio.
In June 2021, Huntington announced its plan to invest $40 billion into the communities it services. The Community Plan places an emphasis on helping marginalized people in the community—including people of color, women and veterans—and includes $2 billion for small businesses, $12 billion to help improve homeownership and $2 billion for community improvement and social equity.
How do I contact Huntington National Bank customer service?
The mortgage customer service center is open weekdays from 8 a.m. to 7 p.m. and Saturdays from 8 a.m. to 2 p.m. EST. You can use one of the following options to contact a representative:
What other types of loans does Huntington National offer?
In addition to mortgage loans, Huntington National also offers a range of personal and auto loans.
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