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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.
Loan products offered | Conventional, Jumbo, FHA, VA, USDA, Refinance |
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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 |
NMLS # | 402436 |
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:
Huntington National Bank has been accredited with the BBB since 1921 and as of October 2020 has an A+ rating. The bank has closed 522 official complaints in the last three years, with 178 closed in the last 12 months.
Because of the bank’s size, there aren’t many customer reviews outside of the BBB, which has 132 reviews and a star 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 September of 2020, Huntington announced its plan to invest $20 billion into the communities it services. The Community Plan will focus on helping marginalized people in the community—including people of color, women and veterans—and includes $7.6 billion for small businesses, $7.5 billion to help improve homeownership and $4.9 billion for community improvement and social equity.
Review by
Heather Petty is a writer at Finder specializing in banking, investments and insurance. She's a self-proclaimed word nerd who worked as a technical writer and editor for the casino systems industry and is an internationally published young adult mystery author. Heather earned a bachelor’s degree in English 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.