# The Huntington National Bank

> **Canonical URL:** https://saferate.com/lenders/the-huntington-national-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


The Huntington National Bank is a bank, headquartered in Columbus, OH, serving borrowers nationwide, with 18,842 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 39% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 25% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 2WHM8VNJH63UN14OL754
- **Headquarters:** Columbus, OH
- **Geographic Reach:** National
- **States Served:** 51
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 84.3%
- **Brokered/Wholesale:** 15.7%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.374%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $415
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 18,842
- **Dollar Volume:** $6.2 billion
- **Applications Received:** 26,852
- **Market Share:** 53.00%

## Typical Borrower Profile

- **Average Loan Amount:** $328,296
- **Average Borrower Income:** $167,205
- **Average Property Value:** $429,658

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **FHA Gold Superstar** (77%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **Jumbo Gold Superstar** (62%)
- ⭐ **USDA Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (77%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 92/100 | 15,254 | +0.358% | $569 | Exceptional 🤩 |
| FHA | 87/100 | 1,668 | +0.780% | $-1,360 | Exceptional 🤩 |
| VA | 80/100 | 400 | -0.024% | $-731 | Exceptional 🤩 |
| Jumbo | 94/100 | 1,473 | +0.186% | $971 | Exceptional 🤩 |
| USDA | 81/100 | 47 | +0.637% | $1,004 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 12,142 loans, Score: 92/100 (Exceptional)
- Refinance: 3,112 loans, Score: 89/100 (Exceptional)

**FHA:**
- Purchase: 1,304 loans, Score: 87/100 (Exceptional)
- Refinance: 364 loans, Score: 84/100 (Exceptional)

**VA:**
- Purchase: 346 loans, Score: 80/100 (Exceptional)
- Refinance: 54 loans, Score: 79/100 (Strong)

**Jumbo:**
- Purchase: 1,275 loans, Score: 95/100 (Exceptional)
- Refinance: 198 loans, Score: 90/100 (Exceptional)

**USDA:**
- Purchase: 47 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 91/100 | 15,114 | $5.3B | +0.320% | Exceptional 🤩 |
| Refinance | 89/100 | 3,728 | $877M | +0.578% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 8,206 | 6.09% | 100/100 |
| MI | 3,007 | 2.66% | 90/100 |
| IL | 2,085 | 1.67% | 89/100 |
| IN | 951 | 1.04% | 79/100 |
| PA | 730 | 0.60% | 77/100 |
| MN | 680 | 1.05% | 77/100 |
| WV | 586 | 3.79% | 90/100 |
| CO | 501 | 0.60% | 73/100 |
| WI | 378 | 0.57% | 73/100 |
| KY | 369 | 0.79% | 75/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 2,367 | 81/100 |
| Cleveland, OH | OH | 1,731 | 97/100 |
| Chicago | IL | 1,680 | 89/100 |
| Columbus, OH | OH | 1,337 | 96/100 |
| Cincinnati, OH |  | 1,145 | 96/100 |
| Akron, OH | OH | 687 | 98/100 |
| Warren | MI | 625 | 80/100 |
| Toledo, OH | OH | 607 | 100/100 |
| Canton | OH | 601 | 100/100 |
| Minneapolis | MN-WI | 601 | 78/100 |
| Indianapolis | IN | 531 | 81/100 |
| Dayton | OH | 514 | 84/100 |
| Youngstown | OH | 443 | 91/100 |
| Pittsburgh, PA | PA | 430 | 83/100 |
| Detroit | MI | 427 | 80/100 |

## Where This Lender Ranks

The Huntington National Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in United States for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/national/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Ohio for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Ohio for FHA Loans
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Ohio for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Michigan Banks
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/banks)
- 🥇 **#1** in Michigan for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Michigan for FHA Loans
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Michigan for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Michigan for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Illinois for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Illinois for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Cleveland, OH
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders)
- 🥇 **#1** in Cleveland, OH Banks
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/banks)
- 🥇 **#1** in Cleveland, OH for Conventional Loans
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Cleveland, OH for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Cleveland, OH for FHA Loans
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Cleveland, OH for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Cleveland, OH for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Chicago Banks
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/banks)
- 🥇 **#1** in Chicago for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does The Huntington National Bank offer?

The Huntington National Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does The Huntington National Bank offer mortgages?

The Huntington National Bank is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are The Huntington National Bank's mortgage rates?

The Huntington National Bank has a pricing score of 61/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.374% above market average.

### What type of lender is The Huntington National Bank?

The Huntington National Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Columbus, OH.

### What is The Huntington National Bank's loan approval success rate?

The Huntington National Bank has a pull-through score of 75/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/the-huntington-national-bank

### How to Cite

> "The Huntington National Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-huntington-national-bank

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