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
Best fit: current Huntington deposit customers
- Headquarters
- Columbus, OH
- Founded
- 1866
- NMLS
- #402436
- Min. credit score
- 620
- Min. down payment
- 3%
- MSHDA MI Home Loan
- Approved lender
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.
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. Below, that 620 floor is plotted against the four broad credit tiers and the 620 median for the 55 Michigan lenders we track.
| 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.
Compare: Michigan Mutual (MiMutual Mortgage) Chase Wells Fargo This week's Michigan rates
Huntington Bank: frequently asked questions
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. That 620 is a floor, not a promise: every lender layers on its own overlays, and approval still turns on your income, debts and the property.
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 2026-07-16 and can change; the only rate that binds a lender is a written Loan Estimate. Verify the license at NMLS Consumer Access (#402436). MSHDA status reflects the state's MI Home Loan lending-partners list dated June 12, 2026, which changes over time.