{"id":6038,"date":"2025-04-04T11:43:20","date_gmt":"2025-04-04T16:43:20","guid":{"rendered":"https:\/\/tomo.com\/blog\/?p=6038"},"modified":"2025-07-18T12:55:05","modified_gmt":"2025-07-18T17:55:05","slug":"review-huntington-national-bank","status":"publish","type":"post","link":"https:\/\/tomo.com\/blog\/review-huntington-national-bank\/","title":{"rendered":"2025 Mortgage Review: Huntington National Bank"},"content":{"rendered":"\n

Huntington National Bank is a full-service regional bank headquartered in Columbus, Ohio, with a sizable footprint: approximately 970 branches across 11 states and mortgage lending available in all 50 states. With its strong Midwestern presence and growing national reach, Huntington is a familiar name for many homebuyers.<\/p>\n\n\n\n

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See today\u2019s mortgage interest rates on\u00a0TrueRate<\/a>.<\/strong><\/p>\n\n\n\n

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How Huntington National Bank compares to other lenders<\/h3>\n\n\n\n

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Headquarters <\/strong><\/td>Columbus, Ohio<\/td><\/tr>
Website<\/strong><\/td>https:\/\/www.huntington.com\/<\/a><\/td><\/tr>
Rate<\/strong><\/td>0.05% lower than the median rate<\/td><\/tr>
Lender fees<\/strong><\/td>$1,088 (median)<\/td><\/tr>
Savings after 1 year, compared to the median interest rate<\/strong><\/td>$522<\/td><\/tr>
Savings after 10 years, compared to the median interest rate<\/strong><\/td>$1,873<\/td><\/tr>
Added cost after 1 year (vs. Tomo Mortgage<\/a>) <\/strong><\/td>$2,056<\/td><\/tr>
Added cost after 10 years (vs. Tomo Mortgage<\/a>) <\/strong><\/td>$9,311<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

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For a $400,000 mortgage, Huntington National Bank\u2019s rates\u2014roughly 0.05% below the market average\u2014and a $1,088 lender fee result in estimated savings of just over $500 in the first year and about $1,873 over 10 years compared to the median lender. <\/p>\n\n\n\n

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What customers are saying<\/h3>\n\n\n\n

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Huntington National Bank receives mixed reviews. HNB earned No. 1 in J.D. Power\u2019s 2024 and 2023 regional banking studies for trust, helpful staff, and problem resolution, and some borrowers report knowledgeable, responsive loan officers and a smooth process.<\/p>\n\n\n\n

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However, direct customer reviews on Yelp and BBB reveal recurring issues with poor communication, inconsistent loan estimates, and difficulty reaching staff. Huntington is best for those valuing strong in-branch service but may frustrate borrowers seeking seamless communication.<\/p>\n\n\n\n

How to compare mortgage lenders<\/h3>\n\n\n\n

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Interest rates.<\/strong> Comparing rates between lenders isn\u2019t always straightforward. Many promote low headline rates that require paying \u201cpoints\u201d upfront to buy down the interest rate. To make a true comparison, focus on the par rate (0 points) and the APR, which reflects both the interest rate and any lender fees. Even small differences can translate into significant savings over the life of the loan.<\/p>\n\n\n\n

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Lender fees or loan origination fees.<\/strong> Many lenders charge fees that add thousands to the cost of a loan. It’s important to look at both the rate and the fees together to understand the true cost of borrowing. For a $400,000 mortgage, avoiding even a $1,000 fee could contribute to meaningful savings in the first year and over the long term.<\/p>\n\n\n\n

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On-time close rate.<\/strong> Most lenders do not publicly share their on-time close rates. However, it\u2019s a critical factor\u2014especially if your home contract has tight deadlines. Asking about their process for meeting close dates, including underwriting and document review timelines, can give you more confidence when choosing a lender.<\/p>\n\n\n\n

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Pre-approval and offer letters.<\/strong> Some lenders offer fast pre-qualifications that may not be fully underwritten, which can weaken your offer in competitive markets. It\u2019s important to ask whether a lender\u2019s pre-approvals are fully underwritten and how credible their letters are when presented with an offer.<\/p>\n\n\n\n

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Customer satisfaction.<\/strong> If detailed customer review data isn\u2019t readily available, check third-party review sites or ask the lender for references. It’s important to understand how they handle communication, responsiveness, and issue resolution throughout the loan process.<\/p>\n\n\n\n

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Employee reviews.<\/strong> Company culture often influences how clients are treated. A lender with strong employee satisfaction typically delivers better service, more organized processing, and a smoother overall experience for borrowers.<\/p>\n\n\n\n

To better understand how we compare mortgage rates fairly, see our TrueRate Methodology<\/a><\/strong>.<\/p>\n\n\n\n

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See Tomo Mortgage\u2019s rates for a 30-year fixed-rate mortgage<\/a><\/div>\n<\/div>\n\n\n

TrueRate Analyst<\/a><\/p>

Our team uses TrueRate to analyze hundreds of thousands of real loans, apples-to-apples, so that we can give people a clear and objective view of a mortgage lender’s history. We also look at customer reviews on websites like the Better Business Bureau, Yelp, Google, Bankrate, Zillow, court filings and official actions, and a wide range of other objective data. The goal is simple: show who\u2019s been fair historically, and who hasn\u2019t, so homebuyers have the information they need to save as much money as possible.<\/p><\/div><\/div>\n\n\n

If you’re ready to start your journey to homeownership, get pre-approved with Tomo Mortgage today<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Huntington National Bank is a full-service regional bank headquartered in Columbus, Ohio, with a sizable footprint: approximately 970 branches across 11 states and mortgage lending available in all 50 states. With its strong Midwestern presence and growing national reach, Huntington is a familiar name for many homebuyers. How Huntington National Bank compares to other lenders […]<\/p>\n","protected":false},"author":38,"featured_media":6008,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"","fifu_image_alt":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[286],"tags":[],"class_list":["post-6038","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lender-reviews"],"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/tomo.com\/blog\/wp-content\/uploads\/2025\/05\/22.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/posts\/6038","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/comments?post=6038"}],"version-history":[{"count":5,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/posts\/6038\/revisions"}],"predecessor-version":[{"id":6849,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/posts\/6038\/revisions\/6849"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/media\/6008"}],"wp:attachment":[{"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/media?parent=6038"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/categories?post=6038"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/tags?post=6038"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}