Huntington National Bank: 2026 Home Equity Review

Affordability: 4 stars

• APR: Huntington Bank’s APR is on par with Bankrate’s national average. 
• Fees: With its HELOC, there’s a $60 annual fee ($50 in Minnesota), and if you’re taking out more than $750,000, you’ll have to buy borrower-paid title insurance. Home equity loans over $500,000 also require borrower-paid title insurance.You may also need to pay mail-away fees ranging from $125 to $375, plus a $25 courier fee, if the closing is done by a third party on Huntington’s behalf. Also, if you convert your HELOC balance from a variable to a fixed rate, there’s a $75 fee in certain states (Colorado, Illinois, Kentucky, Michigan, Minnesota,  Minnesota, North Carolina, Ohio, Pennsylvania, South Carolina and Wisconsin).

Huntington Bank earns a 4 out of 5 for affordability primarily because of the abundance of fees. 

Availability: 3.4 stars

• Loan products: Huntington has a fixed-rate home equity loan and a variable-rate home equity line of credit (HELOC) that can be converted to a fixed rate.
• Footprint: The bank operates more than 1,000 branches in 14 states, mainly in the Midwest and Southeast.
• Loan minimum:  Huntington Bank offers HELOCs starting at $10,000, but credit lines of $10,000 to $24,999 come with higher interest rates than credit lines of $25,000 or more. There's no minimum draw for the HELOCs. No loan minimum is listed for the home equity loan.

Huntington Bank scores 3.4 out of 5 for availability because it doesn’t disclose its credit score requirements, and its footprint is limited.

Borrower experience: 4.7 stars

• Rate transparency: While Huntington Bank lists HELOC APR ranges by state and loan size on its website, you have to begin an application to get personalized rates. Home equity loan rate information isn't offered online.
• Convenience: You can apply online or by calling a representative. The company features a HELOC welcome guide on its website, which walks customers through details. There are also robust online services to monitor loan balances, make payments, draw funds and more. The HELOC comes with an access card and checks, which you can use to withdraw money or make payments.
• Customer service: Huntington Bank gives customers multiple methods of contact: on the phone, online chat or at one of its 1,000+ branches in 14 states. You can start the application process with Huntington on their site by creating an online account and filling out a form. After completing your profile, the company will give you personalized rates and tell you how much loan you can afford. You can also reach a representative over the phone by calling (800) 550-7958, Monday through Friday, 8:00 a.m. to 7:00 p.m. ET or Saturdays, 8:00 a.m. to 2:00 p.m. ET.

Huntington Bank earns a 4.7 out of 5 for borrower experience due to the limited information about its home equity loan on its website.

Huntington Bank gets an A+ rating from the Better Business Bureau and has been accredited since 1921. In J.D. Power's 2025 U.S. Retail Banking Satisfaction Study, Huntington Bank received above-average customer satisfaction scores in some locations (including Pennsylvania and the North Central region) but below-average scores in others. But, out of more than 170 reviews, the regional bank received a “bad” rating on Trustpilot; that said, many of those reviews relate to banking services rather than home equity products.