The Huntington National Bank mortgage approval rate & lending review
The Huntington National Bank decided 155,614 mortgage applications and funded 104,334 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Huntington National Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Huntington National Bank at a glance
Approval is 2.9 points below the 72.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 36,144 / 39,660 | 98% | $275K | 35,509 |
| Home improvement loans | 53% | 31,662 / 59,495 | 95% | $75K | 30,070 |
| Cash-out refinance | 79% | 21,004 / 26,601 | 96% | $125K | 20,136 |
| Refinance | 66% | 15,514 / 23,589 | 94% | $125K | 14,537 |
| Investment property purchase | 89% | 3,183 / 3,557 | 97% | $145K | 3,096 |
| Investment cash-out refinance | 63% | 368 / 588 | 95% | $105K | 348 |
| Investment refinance | 46% | 269 / 582 | 93% | $155K | 249 |
| Investment home improvement | 26% | 408 / 1,542 | 95% | $105K | 389 |
The Huntington National Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 72% | $115K | 72,462 | 49,900 |
| Michigan | 66% | $125K | 30,083 | 18,869 |
| Illinois | 65% | $205K | 18,907 | 11,794 |
| Indiana | 68% | $115K | 8,472 | 5,466 |
| Pennsylvania | 68% | $115K | 6,214 | 4,039 |
| Minnesota | 70% | $235K | 5,405 | 3,639 |
| Colorado | 69% | $645K | 3,073 | 2,051 |
| Kentucky | 76% | $125K | 2,557 | 1,859 |
| Wisconsin | 72% | $275K | 1,928 | 1,327 |
| West Virginia | 68% | $145K | 1,281 | 833 |
| Florida | 89% | $475K | 951 | 836 |
| North Carolina | 77% | $605K | 648 | 488 |
| Texas | 91% | $565K | 488 | 440 |
| New Jersey | 92% | $555K | 370 | 331 |
| Tennessee | 75% | $445K | 294 | 217 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where The Huntington National Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cook County, IL | Mortgage lenders | 87% | 3,906 | 3,320 |
| Franklin County, OH | Home improvement loans | 58% | 3,782 | 2,085 |
| Cook County, IL | Home improvement loans | 43% | 4,702 | 1,927 |
| Franklin County, OH | Mortgage lenders | 90% | 2,046 | 1,803 |
| Cuyahoga County, OH | Mortgage lenders | 91% | 1,949 | 1,743 |
| Franklin County, OH | Cash-out refinance | 81% | 2,087 | 1,626 |
| Cuyahoga County, OH | Home improvement loans | 47% | 3,542 | 1,558 |
| Summit County, OH | Home improvement loans | 61% | 2,394 | 1,397 |
| Stark County, OH | Mortgage lenders | 93% | 1,383 | 1,269 |
| Cuyahoga County, OH | Cash-out refinance | 79% | 1,476 | 1,124 |
| Franklin County, OH | Refinance | 63% | 1,807 | 1,060 |
| Summit County, OH | Mortgage lenders | 91% | 1,158 | 1,039 |
The county markets where The Huntington National Bank made the most loans. Each link opens that market with every lender ranked.
Questions about The Huntington National Bank
What is The Huntington National Bank's mortgage approval rate?
The Huntington National Bank approved 69.8% of the 155,614 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.9 points below the 72.6% national rate for the same mix of loan types.
How often do borrowers take the loan The Huntington National Bank offers?
Borrowers accepted 96% of the loans The Huntington National Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The Huntington National Bank make?
The typical home improvement loan loan The Huntington National Bank made was $75K; across all loan types its typical loan ran from $75K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Huntington National Bank lend?
The Huntington National Bank decided applications in 51 of the states Fat Boy Data covers, most of them in Ohio, Michigan and Illinois.
Can I apply to The Huntington National Bank directly?
Yes. The Huntington National Bank is a bank or credit union with 1,505 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Huntington National Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how The Huntington National Bank treats applications, then get a rate quote from the lender.