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Huntington National Bank in Ohio

HMDA record for properties in Ohio, calendar year 2024. National record · Ohio overview

LEI 2WHM8VNJH63UN14OL754
Reporting agency Consumer Financial Protection Bureau
State Ohio

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.

In Ohio, Huntington National Bank reported 44,757 applications and 24,948 originations for 2024, $3.9bn in all.

Its denial rate in the state was 32.7%, above the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 34.6%.

The median rate spread on its Ohio originations was 0.7 percentage points (state median 0.5).

Applications in the state were about level with 2023.

44,757applications in OH, 202446.5% of the lender's total
24,948loans originated$3.9bn
32.7%denial rateOH all lenders 23.5%
0.7 ppmedian rate spreadOH 0.5 pp

Compared with the state and the lender's national record

MeasureIn OhioOhio, all lendersHuntington National Bank, all statesUnited States
Denial rate32.7%23.5%34.6%24.3%
Median rate spread, pp0.70.50.60.3
Originations with spread of 1.5 pp or more20.3%17.7%18.7%15.6%
Average originated loan$155k$218k$199k$329k
Home purchase share26.5%51.7%30.5%57.0%
FHA-insured share3.5%12.3%3.5%13.4%
VA-guaranteed share0.8%5.9%0.8%7.9%

Trend by year

ApplicationsOriginations

025526.551,0532022: 51,053 Applications2023: 43,555 Applications2024: 44,757 Applications2022: 30,625 Originations2023: 24,143 Originations2024: 24,948 Originations202220232024
Huntington National Bank in Ohio: applications and originations, 2022–2024

This lender in stateOhio, all lenders

0%16.4%32.8%2022: 27.1% This lender in state2023: 32.8% This lender in state2024: 32.7% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Ohio

By purpose

Home purchase 27% (6,620)Home improvement 25% (6,257)Refinancing 14% (3,560)Cash-out refinancing 17% (4,282)Other purpose 17% (4,229)

By type

Conventional 96% (23,841)FHA 4% (883)VA 1% (197)USDA 0% (27)

Denial reasons as coded

Credit history48%
Debt-to-income ratio29.9%
Credit application incomplete11.1%
Collateral7.7%
Employment history1.3%
Unverifiable information1.2%
Other0.6%
Insufficient cash (downpayment, closing costs)0.2%
Mortgage insurance denied0%

Share of 12,615 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).

Counties in Ohio

CountyApplicationsOriginationsAmountDenial rate
Franklin County5,3602,926$542m34.3%
Cuyahoga County4,6152,297$353m38.8%
Summit County3,2301,838$252m31.9%
Stark County2,3371,429$204m27.3%
Lucas County1,9121,095$128m31.5%
Lorain County1,811967$132m34.4%
Hamilton County1,551871$191m32.3%
Lake County1,380822$109m28.2%
Mahoning County1,515786$90m36.2%
Medina County1,264732$120m29.1%
Delaware County1,162701$193m25.2%
Montgomery County913559$98m26.1%
Wood County830547$78m25.0%
Trumbull County1,096540$54m39.6%
Warren County813508$140m26.9%
Portage County862504$68m28.0%
Licking County885477$73m34.4%
Geauga County780472$78m27.8%
Ashtabula County752404$41m35.2%
Butler County686376$75m33.9%
Columbiana County593322$35m34.5%
Fairfield County589320$56m35.4%
Muskingum County546305$37m29.1%
Wayne County514301$34m31.5%
Clermont County432247$44m33.5%
Greene County391235$50m26.9%
Tuscarawas County403233$27m29.8%
Clark County381220$25m33.1%
Union County352210$50m26.2%
Ashland County357202$24m31.8%
Richland County361199$20m35.6%
Ottawa County286187$28m22.6%
Hancock County304178$23m29.8%
Carroll County248152$21m30.8%
Madison County257148$23m34.8%
Jefferson County318142$14m42.4%
Logan County262127$21m41.8%
Belmont County253127$12m38.1%
Guernsey County189109$12m25.8%
Allen County188108$12m32.3%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Huntington National Bank originate in Ohio in 2024?

24,948 loans totalling $3.9bn, from 44,757 applications reported for properties in Ohio.

What is Huntington National Bank's denial rate in Ohio?

32.7% of decided applications in Ohio were denied, against 23.5% 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 Ohio counties does Huntington National Bank lend in most?

By originations: Franklin County (2,926), Cuyahoga County (2,297), Summit County (1,838), Stark County (1,429), Lucas County (1,095).

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 Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.