Lender review
Huntington Bank review: what Michigan borrowers should know
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%
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.
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
Loan products
Huntington Bank currently offers Michigan borrowers:
- Conventional
- FHA
- VA
- Jumbo
- HELOC
- Construction
How Huntington Bank compares
Before committing, pull a same-day quote from at least two competitors — pricing gaps of 0.25% are common for identical borrowers. Start with Rocket Mortgage, United Wholesale Mortgage (UWM) or Flagstar Bank, then compare Loan Estimates line by line. Current market averages are in our Michigan rate table.
This review is editorial and unpaid. Verify licensing at NMLS Consumer Access (#402436).