Lender review
Huntington Bank review: what Michigan borrowers should know
Though headquartered in Ohio, Huntington became one of Michigan's largest banks after absorbing Chemical Bank and TCF — giving it one of the deepest branch networks in the state. It's a natural fit for buyers who want their mortgage, checking, and HELOC under one roof.
Best for: branch banking and existing-customer relationships in michigan
- Headquarters
- Columbus, OH
- Founded
- 1866
- NMLS
- #402436
- Min. credit score
- 620
- Min. down payment
- 3%
What works
- Extensive Michigan branch network for in-person service
- Relationship discounts for existing deposit customers
- Full product range including construction and HELOC
What to watch
- Big-bank process can be slower than online lenders
- Posted pricing assumes strong credit profiles
- Best pricing often tied to a banking relationship
The full picture on Huntington Bank
Huntington runs its business out of Columbus, yet in Michigan it feels like a hometown institution. After swallowing Chemical Bank and then TCF, the Ohio bank inherited one of the deepest branch footprints in the state.
One roof for your money
That's why so many Michigan families already keep their checking and savings under its green sign. For them, the mortgage becomes an extension of an existing relationship rather than a cold transaction.
- Deep branch network: in-person service statewide
- Relationship discounts for existing deposit customers
- Full range from construction loans to HELOCs
- Best fit: current Huntington deposit customers
It behaves like a big bank
Underwriting can grind slower than an online lender's, and the posted pricing presumes a strong credit profile.
If you're rate-shopping cold with no ties to Huntington, it may not lead the pack.
Loan programs at Huntington Bank
Which core Michigan loan types Huntington Bank offers, with the typical minimum down payment for each program. Program floors are industry standards — Huntington Bank's own minimums or credit overlays may run higher.
| Loan program | Offered | Typical min. down |
|---|---|---|
| Conventional | ✓ Yes | 3% |
| FHA | ✓ Yes | 3.5% |
| VA | ✓ Yes | 0% |
| USDA | — No | — |
| Jumbo | ✓ Yes | 10–20% |
| Construction | ✓ Yes | 5–20% |
Also offers: HELOC.
Where Huntington Bank's credit bar sits
Huntington Bank's roughly 620 minimum sits in the good credit range. The marker below sets 620 against the four credit tiers and the 620 catalog median.
| Huntington Bank | Michigan median* | |
|---|---|---|
| Editorial score | 4.1 / 5 | 4.0 / 5 |
| Min. credit score | 620 | 620 |
| Loan programs offered | 6 | 5 |
| Michigan-headquartered | No | — |
*Median across the 55 Michigan lenders in our catalog.
How Huntington Bank's rates and offers compare
Before committing, pull a same-day quote from at least two competitors — pricing gaps of 0.25% are common for identical borrowers. Start with Michigan Mutual (MiMutual Mortgage), Chase or Wells Fargo, then compare Loan Estimates line by line. Today’s Michigan averages live in our Michigan rate table.
Huntington Bank: frequently asked questions
What are Huntington Bank's mortgage rates in Michigan?
Huntington Bank doesn't post one rate — like every lender, its pricing turns on your credit score, down payment, loan size and the day you lock. Ask for a personalized quote to see the number you'd actually get. The reliable move: pull a written Loan Estimate from Huntington Bank and set it beside this week's Michigan averages in our rate table, comparing on the same day.
Is Huntington Bank a legitimate mortgage lender?
Yes. Huntington Bank is a licensed mortgage lender registered under NMLS #402436 and lending since 1866. That license and its full regulatory history are public at NMLS Consumer Access. In our independent scoring it lands at 4.1/5 for Michigan buyers, with no paid placement.
What credit score do you need for a Huntington Bank mortgage?
Huntington Bank generally looks for a credit score around 620 on its most common loans. Its FHA loans can go lower — often to 580, or 500 with a larger down payment — while conventional and jumbo loans usually want higher scores. Loan type and overlays move that number, so confirm your own threshold before counting on 620.
Does Huntington Bank offer FHA, VA and USDA loans?
Huntington Bank offers FHA and VA loans to Michigan borrowers. It does not currently offer USDA loans — buyers who need that should compare a lender that does. Its complete Michigan lineup is Conventional, FHA, VA, Jumbo, HELOC, Construction.
Does Huntington Bank lend in Michigan?
Yes. Although Huntington Bank is headquartered in Columbus, OH, it is licensed to lend in Michigan and actively originates purchase and refinance loans across the state, from metro Detroit to the Upper Peninsula.
Will Huntington Bank sell my mortgage after closing?
It may. Many lenders sell the servicing rights to a loan after closing, so ask Huntington Bank directly whether it retains servicing or transfers it — your rate and terms won't change either way.
Independent and unpaid — Huntington Bank did not pay for placement. How we score every lender (and where our rate data comes from) is set out in our editorial policy. Figures reflect public information as of 2026-07-09 and can change; the only rate that binds a lender is a written Loan Estimate. Verify the license at NMLS Consumer Access (#402436).