# Huntington Federal Savings Bank

> **Canonical URL:** https://saferate.com/lenders/huntington-federal-savings-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

Huntington Federal Savings Bank is a bank, headquartered in Huntington, WV, serving borrowers across 2 states, with 105 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 21% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 32% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300VSOJCMQO84C619
- **Headquarters:** Huntington, WV
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** OH, WV
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.095%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,029
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 105
- **Dollar Volume:** $18 million
- **Applications Received:** 148
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $174,810
- **Average Borrower Income:** $114,610

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 105 | -0.095% | $1,029 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 74 loans, Score: 50/100 (Sound)
- Refinance: 31 loans, Score: 55/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 48/100 | 74 | $14M | -0.129% | Sound ☺️ |
| Refinance | 54/100 | 31 | $4M | -0.008% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WV | 82 | 0.53% | 77/100 |
| OH | 23 | 0.02% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Huntington |  | 101 | 87/100 |

## Frequently Asked Questions

### What loan types does Huntington Federal Savings Bank offer?

Huntington Federal Savings Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Huntington Federal Savings Bank offer mortgages?

Huntington Federal Savings Bank offers mortgages in 2 states: OH, WV.

### How competitive are Huntington Federal Savings Bank's mortgage rates?

Huntington Federal Savings Bank has a pricing score of 79/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.095% below market average.

### What type of lender is Huntington Federal Savings Bank?

Huntington Federal Savings Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Huntington, WV.

### What is Huntington Federal Savings Bank's loan approval success rate?

Huntington Federal Savings Bank has a pull-through score of 68/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/huntington-federal-savings-bank

### How to Cite

> "Huntington Federal Savings Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/huntington-federal-savings-bank

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