When buying a home, the mortgage rate you secure can make a huge difference, not only in your monthly payments but also in your overall cost of borrowing. That’s where understanding Huntington mortgage rates becomes so important.
In this guide, we’ll walk you through their rates, loan types, and helpful tools so that you can find the best fit for your budget and goals.
About Huntington Bank
Huntington Bank is a regional bank with deep roots in the Midwest. Founded in 1866 and based in Columbus, Ohio, it has grown to serve over 1,000 branches across 11 states, including Ohio, Michigan, Pennsylvania, Indiana, Illinois, and West Virginia.
The bank is well-known for its commitment to providing excellent customer service and being actively involved in the community. Whether you’re opening a checking account, applying for a mortgage, or growing a small business, Huntington aims to build lasting relationships, not just process transactions.
One of Huntington’s signature features is its “Welcome” philosophy. This approach puts people first, offering tools like early direct deposit, free credit monitoring, and overdraft grace periods. The goal is to help customers manage money more confidently and avoid unnecessary fees.
In addition to Huntington personal banking, the bank also offers a full range of commercial and business services, including treasury management, lending, and investment solutions. It’s a trusted name among both individuals and businesses across the region.
Over the years, Huntington has earned praise for its digital tools, financial education efforts, and transparent communication. It blends the technology of a big bank with the feel of a local one.
If you’re looking for a bank that values loyalty, offers personalized support, and puts community first, Huntington is a name worth knowing.
What Are Huntington’s Current Mortgage Rates?
As of July 2025, Huntington mortgage rates fall within the typical market range. Their 30-year fixed mortgage is listed at approximately 6.75%, based on available online data.
Here’s a snapshot of their current mortgage rates:
| Loan Type | Rate | APR | Notes |
|---|---|---|---|
| 30-Year Fixed | ~6.75% | ~6.90% | Competitive but slightly above national average |
| 15-Year Fixed | ~6.00% | ~6.15% | Shorter term, lower cost overall |
| 5/6 ARM | ~7.38% | ~7.65% | Lower initial payments |
| VA Loan | ~6.22% | ~6.55% | No down payment for qualified borrowers |
| FHA Loan | Varies | Varies | Great for first-time buyers |
| Doctor Loan | Custom | Custom | No PMI, up to 100% financing |
Disclaimer: The Huntington mortgage rates shown above are for informational purposes only and may not reflect current offers. Actual rates and APRs vary based on credit profile, loan terms, property location, and other eligibility factors. Please contact Huntington Bank directly for personalized quotes.
Huntington Bank mortgage rates are considered competitive, though not the lowest in the market. Larger national banks and online lenders may offer slightly better rates for borrowers with excellent credit. For example:
- Some large lenders advertise 30-year fixed rates as low as 6.37%
- Online lenders may go even lower with streamlined processes and fewer fees
Still, Huntington stands out in terms of local service, in-branch support, and added perks for customers with existing accounts. They also offer other benefits like relationship discounts and flexible terms that may offset the difference. That makes them an attractive option for loyal Huntington customers or homebuyers who want hands-on support.
What Affects Your Rate at Huntington?
Like all lenders, Huntington uses standard underwriting criteria to determine your rate. Here are the main factors that determine your personalized Huntington mortgage rates:
- Credit Score: Higher scores generally receive better Huntington home interest rates. A score above 740 puts you in the best position for a low rate.
- Loan-to-Value Ratio (LTV): Putting more money down reduces risk to the lender. A better rate is usually an outcome of a lower LTV.
- Loan Amount and Term: Smaller Huntington mortgage loans or shorter terms (like 15 years) often carry lower interest rates.
- Property Type and Location: Primary residences tend to get better rates than vacation homes or investment properties. Some states may also have slightly different rate offers.
- Type of Mortgage Product: Fixed-rate mortgages usually cost more up front but offer stable payments. ARMs have lower initial Huntington home loan rates, but they can change with time.
Once you understand these factors, you can use the online quote tool to get an idea of your potential Huntington mortgage rates, then follow up with a specialist for exact figures. They’ll walk you through the full process and help you get pre-approved for the right mortgage based on your personal situation.
Huntington Relationship Discounts & Rate Lock Options
If you’re already a Huntington customer, or planning to be, you may qualify for special rate discounts and flexible lock-in options that can help you save more over the life of your loan.
Huntington Relationship Discounts
One of Huntington’s biggest mortgage advantages is its Relationship Discount Program. If you have significant assets in a Huntington checking, savings, or investment account, you may qualify for lower Huntington mortgage rates.
Here’s how their relationship tiers work:
| Relationship Balance | Rate Discount |
|---|---|
| $25,000+ | Up to 0.25% off |
| $500,000+ | Up to 0.75% off |
| $1 million+ | Up to 1.00% off |
In the long run, these discounts can have a big impact. For example, a 0.25% reduction on a $300,000 loan could save you over $12,000 in interest over 30 years.
This is especially helpful for high-net-worth borrowers or existing customers who already keep funds with Huntington.
Rate Lock Options for New Homes
Huntington offers special rate lock programs designed for buyers of newly built homes. With these options, you can lock in your Huntington mortgage rates for up to 12 months, with flexibility to re-lock if rates drop. They give you peace of mind during the construction process, which often takes several months.
Key features include:
- Lock your rate for up to 12 months
- Optional rate re-lock if rates drop before closing
- Competitive fixed-rate options with flexibility
This is ideal for borrowers building custom homes or purchasing in new developments. Locking in early can protect you from rate hikes.
Types of Huntington Mortgage Products
Huntington Bank offers a wide selection of mortgage options tailored for different homeownership goals. Whether you’re buying your first home, upgrading, refinancing, or building new, there’s a product designed to fit your needs.
- Fixed-Rate Mortgages: With Huntington’s fixed-rate mortgages, your interest rate stays the same throughout the life of the loan. Terms range from 10 to 30 years. For those seeking long-term stability and predictable monthly payments, this choice is excellent.
- Adjustable-Rate Mortgages (ARMs): ARMs offer a lower starting Huntington mortgage rates for the first few years, typically 3, 5, or 7 years. But following that, the rate is frequently modified by market conditions. These Huntington home loans may be a good fit if you plan to move or refinance before the adjustment period begins.
- Government-Backed Loans (FHA, VA, USDA): Huntington supports buyers who qualify for government-backed programs.
- FHA loans are ideal for first-time buyers with lower credit scores or smaller down payments.
- For veterans and active-duty service members, Huntington offers VA loans with rates currently around 6.22% and APRs near 6.55%. These loans require no down payment and no mortgage insurance.
- USDA loans are designed for rural buyers and may offer 100% financing for qualified applicants.
- Jumbo Mortgage Loans: If you’re purchasing a high-value home, a jumbo loan may be necessary. Huntington’s jumbo mortgages are available for amounts above standard conforming loan limits and can go up to $3.5 million. These are suitable for luxury homes, second homes, or custom properties.
- Physician-Only Mortgage Program: This specialized program supports medical professionals such as doctors, dentists, and veterinarians. Key features include 0% down up to $1 million, up to 100% financing, no private mortgage insurance, and flexible income verification. It’s ideal for new doctors just starting their careers or relocating for residency.
- Construction & Renovation Loans: If you’re building a home or planning a major renovation, Huntington offers financing options that combine land, construction, and permanent mortgages into a single package. These Huntington mortgage loans provide flexibility during the building phase and simplify the transition to a standard mortgage.
Huntington Mortgage Fees and Closing Costs
When you take out a mortgage, there are several one-time fees and charges to be aware of. Huntington Bank provides tools like an online closing cost calculator to help estimate what you might pay upfront. On average, Huntington mortgage rates are paired with typical one-time expenses, which usually range from 3% to 6% of your total loan amount. These costs can include fees for application processing, home appraisal, credit checks, underwriting, title services, and escrow accounts.
If you’re applying for a VA loan, Huntington helps reduce your out-of-pocket expenses. They cap your contribution to closing costs at $500 and may cover other eligible in-house fees up to $5,500, making Huntington mortgage rates even more attractive for qualifying veterans. This benefit can make a big difference for qualifying veterans, especially those with limited upfront funds.
Tools & Online Resources for Huntington Mortgage
Huntington offers user-friendly digital tools to help you understand, compare, and monitor Huntington mortgage rates:
- Huntington Mortgage Calculators: Tools for estimating monthly payments, closing costs, or refinancing savings.
- Online Quote Tool: Lets you compare rates for buying or refinancing without affecting your credit score.
- Loan Comparison Pages: Helps you explore different loan types side by side.
- Mortgage Dashboard: After closing, you can view your mortgage details, escrow breakdowns, and home equity through your online account.
- Educational Center: Offers guides, FAQs, and helpful articles to walk you through the mortgage process from start to finish.
- Home Saver Resources: For customers facing hardship, Huntington provides options like repayment plans or forbearance.
These tools make it easier to understand your loan, plan your budget, and find help when you need it. Whether you’re just getting started or already have a mortgage with Huntington, these resources can support you every step of the way.
Pros and Cons of Huntington Mortgage Rates
Like any lender, Huntington Bank has its strengths and weaknesses when it comes to mortgage rates. Here’s a balanced look at what you can expect:
Pros
- Relationship discounts can reduce your Huntington mortgage rates by up to 1.00%
- Wide variety of loan options including fixed, ARM, FHA, VA, jumbo, and physician loans
- Long rate lock periods available, great for new construction or extended closings
- Access to personalized service at local branches, plus phone and digital support
- Online pre-qualification makes it easy to check your options without commitment
Cons
- Base Huntington mortgage rates may be slightly higher than large national banks
- To get full discounts, large deposits (e.g., $25,000 or more) are often required
- Huntington only serves select states, limiting access for some borrowers
How to Get Started with Huntington Mortgage
Ready to explore Huntington mortgage rates? Huntington breaks it down into four clear steps:
- Use the Rate Quote Tool: Start by getting a personalized estimate based on your financial situation with Huntington Rate Quote. This tool is free to use and doesn’t affect your credit score, since it doesn’t require a hard credit check. You can use it anytime to get a quick estimate of the mortgage rate you might qualify for. You’ll just need to answer a few basic questions, like:
- How much do you plan to borrow
- Where the property is located
- How much money do you expect to put down
- Talk to a Loan Officer: Next, schedule a call or meeting with a Huntington mortgage specialist. They’ll answer your questions, go over your goals, and help you get pre-qualified, which shows sellers you’re serious and financially ready.
- Submit Your Application: Once you’ve found a home or are ready to lock in a loan, you’ll complete the Huntington mortgage application. You’ll need to upload documents like income statements, tax returns, and bank information. Huntington will then verify your details and work to finalize your loan terms.
- Close and Get the Keys: After your loan is approved, you’ll sign all the closing paperwork. Then the funds are released, and you can officially move into your new home.
FAQs about Huntington Mortgage Rates
How do I qualify for Huntington’s relationship discount?
- By maintaining deposit balances of $25,000 or more in a qualifying Huntington checking, savings, or investment account.
Are Huntington mortgage rates competitive?
- Yes, especially when discounts are applied. Mortgage rates at Huntington may not be the lowest, but they offer strong value with personalized service.
Can I get pre-qualified online?
- Yes. Huntington’s website lets you check rates and get pre-qualified without affecting your credit score.
Does Huntington offer jumbo loans?
- Yes. Huntington offers jumbo loans, and their physician mortgage program even includes jumbo options with no PMI.
How long can I lock my rate?
- Huntington offers extended rate lock periods, up to 12 months in some cases, making it a good option for buyers building a home or planning ahead.
Huntington mortgage rates may not always be the lowest, but they come with meaningful advantages. Their relationship discounts can bring rates down by up to 1.00%, which is significant. Add to that their personal service, strong specialty loan lineup, and long lock periods, and you have a lender that delivers value beyond the numbers. If you’re a current customer or value in-person banking, Huntington is worth a look.
