Lenders › Huntington National Bank › Michigan
Huntington National Bank in Michigan
HMDA record for properties in Michigan, calendar year 2024. National record · Michigan overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Huntington National Bank's 2024 HMDA record for Michigan covers 21,291 applications, 10,884 of them originated, worth $1.8bn.
Its denial rate in the state was 38.3%, above the Michigan rate of 23.9% across all lenders and compared with the lender's national rate of 34.6%.
The median rate spread on its Michigan originations was 0.6 percentage points (state median 0.5).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Michigan | Michigan, all lenders | Huntington National Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 38.3% | 23.9% | 34.6% | 24.3% |
| Median rate spread, pp | 0.6 | 0.5 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 19.3% | 18.4% | 18.7% | 15.6% |
| Average originated loan | $167k | $212k | $199k | $329k |
| Home purchase share | 23.0% | 51.2% | 30.5% | 57.0% |
| FHA-insured share | 2.8% | 10.0% | 3.5% | 13.4% |
| VA-guaranteed share | 0.8% | 4.5% | 0.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMichigan, all lenders
Loan purpose and loan type in Michigan
By purpose
Home purchase 23% (2,501)Home improvement 28% (3,095)Refinancing 12% (1,349)Cash-out refinancing 17% (1,822)Other purpose 19% (2,117)
By type
Conventional 96% (10,485)FHA 3% (308)VA 1% (82)USDA 0% (9)
Denial reasons as coded
Share of 7,074 denials in Michigan by first denial reason coded (outlined bar: all lenders in the state).
Counties in Michigan
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Oakland County | 2,296 | 1,166 | $302m | 37.8% |
| Wayne County | 2,224 | 964 | $189m | 47.7% |
| Macomb County | 1,900 | 933 | $128m | 41.3% |
| Kent County | 1,676 | 927 | $159m | 35.1% |
| Ottawa County | 992 | 623 | $112m | 26.7% |
| Genesee County | 1,101 | 467 | $59m | 47.1% |
| Livingston County | 574 | 306 | $56m | 33.4% |
| Washtenaw County | 544 | 292 | $70m | 34.7% |
| Allegan County | 543 | 292 | $57m | 36.3% |
| Monroe County | 494 | 279 | $38m | 33.3% |
| Muskegon County | 490 | 274 | $38m | 34.1% |
| St. Clair County | 461 | 253 | $33m | 35.9% |
| Saginaw County | 524 | 245 | $30m | 42.2% |
| Grand Traverse County | 430 | 239 | $48m | 32.7% |
| Jackson County | 299 | 159 | $20m | 37.3% |
| Bay County | 276 | 150 | $15m | 34.2% |
| Berrien County | 252 | 132 | $19m | 35.2% |
| Calhoun County | 263 | 130 | $13m | 36.9% |
| Kalamazoo County | 234 | 130 | $26m | 34.5% |
| Ingham County | 274 | 129 | $18m | 43.5% |
| Montcalm County | 237 | 129 | $16m | 39.3% |
| Midland County | 218 | 124 | $22m | 32.3% |
| Lenawee County | 239 | 117 | $14m | 37.9% |
| Charlevoix County | 191 | 97 | $21m | 39.0% |
| Barry County | 175 | 91 | $13m | 38.6% |
| Leelanau County | 169 | 89 | $22m | 30.9% |
| Gladwin County | 160 | 86 | $9.8m | 37.2% |
| Clinton County | 139 | 83 | $13m | 35.2% |
| Clare County | 158 | 77 | $6.8m | 39.1% |
| Van Buren County | 141 | 75 | $9.7m | 34.7% |
| Roscommon County | 143 | 72 | $7.8m | 38.1% |
| Lapeer County | 132 | 72 | $11m | 32.7% |
| Ionia County | 132 | 72 | $8.5m | 40.0% |
| Mecosta County | 168 | 71 | $9.1m | 47.1% |
| Osceola County | 139 | 71 | $6.3m | 35.7% |
| Antrim County | 133 | 71 | $14m | 32.1% |
| Otsego County | 122 | 71 | $12m | 27.3% |
| Shiawassee County | 153 | 69 | $7.1m | 45.7% |
| Emmet County | 129 | 69 | $17m | 38.1% |
| Wexford County | 135 | 66 | $6.6m | 36.4% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Huntington National Bank originate in Michigan in 2024?
10,884 loans totalling $1.8bn, from 21,291 applications reported for properties in Michigan.
What is Huntington National Bank's denial rate in Michigan?
38.3% of decided applications in Michigan were denied, against 23.9% for all lenders in the state and 34.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Michigan counties does Huntington National Bank lend in most?
By originations: Oakland County (1,166), Wayne County (964), Macomb County (933), Kent County (927), Ottawa County (623).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Michigan. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.