Huntington Bank Home Equity Loans and HELOCs: 2026 Review

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Our take: Huntington Bank offers standard HELOC options and provides limited public detail on its home equity loans. While it appears to be a solid lender, many borrowers will likely find a better deal elsewhere.

Home Equity Line of Credit (HELOC)

• Allows a loan-to-value (LTV) ratio up to 90%
• Clear breakdown of rates by state
• May convert HELOCs from variable to fixed

• Average and above rates
• Potential fees
• No intro offer

Rates (APR)	Vary by state (typically start from 7.09%)
Max. loan amount	$1.5 million
Repayment terms	20-year repayment period

Home Equity Loan

• Flexible day for monthly payments
• No application fees
• Handy mobile app

• No visible information on rates
• Limited customer support
• Loan origination fee

Rates (APR)	Not disclosed
Loan amounts	$1.5 million
Repayment terms	Up to 25 years

Huntington Bank is a large regional bank based in Columbus, Ohio, with over 1,000 branches across the Midwest and assets of over $210 billion. The bank offers home equity loans and HELOCs, advertising competitive rates and low costs. Let’s take a closer look at those claims and compare Huntington to leading lenders.

HELOCs

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Draw / repayment	10-year draw / 20-year repayment
Eligibility	Better rates for clients with lower LTV
Fees	Annual, courier, notary
Fixed/variable	Both options available

How it works

Huntington Bank’s HELOC rates vary by state: for example, APR currently starts from 7.09% in Colorado, 7.14% in Wisconsin, and 7.29% in Minnesota on lines of $25,000 and above. Homeowners can use a handy calculator to see how much they can borrow.

Overall, the rates appear pretty average compared to other lenders. The lowest available rates are reserved for those with an LTV up to 60% when the credit line is in a first-lien position for a primary residence.

The minimum credit line is $10,000 in most states where Huntington Bank operates, and $15,000 in North Carolina.

Fees

HELOCs by Huntington Bank come with extra costs such as:

• Borrower-paid title insurance on amounts above $750,000
• Notary fees from $125 to $375 + $25 courier fee when closing by a third-party on Huntington’s behalf
• Annual fee of $60 ($50 in MN)
• In South Carolina, any attorney fees (required for closing) above $375 and courier fees above $25
• A $75 conversion fee when switching from a variable-to a fixed-rate HELOC (note that the fixed rate will always be higher.)

Overall, the bank’s rates and terms don’t seem very competitive compared to top-rated HELOC lenders.

Home equity loans

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Max. loan amount	$1.5 million
Repayment terms	Up to 25 years
Max. LTV	90%
Fees	Origination fee (amount not disclosed)

How it works

Huntington advertises home equity loans at “highly competitive rates.” However, rather than disclosing the actual rates, it instructs borrowers to contact their local branch.

By contacting Huntington directly, we were able to verify the following:

• The maximum loan amount is $1.5 million (depending on the borrower’s credit)
• Home equity loans have fixed rates
• Repayment term is up to 25 years

The opaque wording on the home equity loan page makes it difficult for potential borrowers to understand what they can expect until they actually apply for a loan.

How to apply

To apply for a loan or a HELOC with Huntington, you’ll need to open an account and set up a profile. This involves providing basic details like your legal name and current address.

You’ll need to disclose:

• Property type (single-family, condo, townhouse)
• Whether the property is your primary residence or a second/vacation home
• The home’s approximate value
• Expenses tied to the property (like mortgage payments, insurance, taxes, and HOA dues)
• How much you’d like to borrow
• The loan’s or HELOC’s purpose (e.g., home improvement)

Once you fill out the forms, a Huntington representative will get back to you, typically within 24 hours.

Customer reviews

Despite being an established financial institution with a large client base, Huntington Bank has a very low TrustPilot score (1.4). Many reviews mention inefficient customer service. For example, according to Ronald, “Customer service has never been able to help with anything,” and “all the agent will say is, ‘You need to go visit your local branch for help.’”

Huntington Bank is A+ rated by BBB but has a record of multiple complaints over the last few years, with only about one-third resolved.

It seems that the bank’s communication channels could be better: their chatbot isn’t helpful, and there’s no contact form or email for general inquiries.

Alternatives

Since Huntington Bank doesn’t appear to stand out as a competitive lender, we recommend exploring alternatives for home equity loans and HELOCs.

Here’s how Huntington compares to direct lenders.

For home equity loans:

Spring EQ vs. Huntington

Spring EQ is a private lender offering home equity loans up to $500,000, with flexible repayment periods. It allows homeowners to borrow up to 95% of their home equity, and approves loans for second homes and investment properties.

Although Spring EQ’s starting APR is a little high (9.50% fixed), it’s a robust choice for borrowers who need to access a large percentage of their home equity. Unlike Huntington, which is a traditional bank with a strong local presence, Spring EQ is a digital lender appealing to those who appreciate a fast, 100% online experience.

Navy Federal vs. Huntington

Navy Federal Credit Union is among the best home equity loan providers for eligible members. It has competitive rates, with no application, origination, or closing fees. Navy Federal allows homeowners to borrow up to 100% of their home equity, capped at $500,000.

The main drawback of Navy Federal is its limited eligibility compared to mainstream banks: it serves only active-duty military personnel, veterans, Department of Defense employees, and qualifying family members.

For HELOCs:

Figure vs. Huntington

Figure is a fintech company using blockchain technology for fast, efficient HELOC approval. While Huntington and other regional lenders provide a traditional, face-to-face banking experience, Figure focuses on quick approval and funding.

One disadvantage of Figure’s HELOCs is a short draw period: only five years, compared to Huntington’s standard 10-year period. Additionally, Figure borrowers must draw the entire loan balance at closing.

Aven vs. Huntington

Aven is one of the strongest nationwide HELOC lenders, with stellar reviews reflecting its reputation. It features a fully digital approval process that takes as little as 15 minutes, a Lowest Rate Guarantee, and an optional six-month protection program for emergencies.

Aven’s main disadvantages compared to Huntington are a short draw period (five years), the policy of drawing the full HELOC amount at origination, and a 4.9% first-draw fee. Aven strongly favors borrowers with credit scores 720 and up.

Recap: Huntington Bank home equity review

Huntington Bank offers standard home equity loans and HELOCs with no special incentives, such as a lower-rate introductory period or a lowest-rate guarantee. On top of that, it shows little transparency about rates and fees, and its ratings are far below average.