The Mortgage Record
Lender report card · New Jersey

Huntington National Bank

Columbus, OH · What the federal mortgage record shows about how Huntington National Bank treated New Jersey applicants, 2018–2025 — 2,032 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
92.9%
1,887 approved
Denial rate
7.1%
145 denied
Decisions
2,032
2018–2025
Avg. rate spread
+0.09 pp
vs. market benchmark
92.9% approved
7.1% denied

Share of 2,032 New Jersey applications Huntington National Bank approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional93.1% of 1,919 · NJ 87%FHA88.0% of 75 · NJ 79%VA90.0% of 30 · NJ 80%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

84%88%92%96%100%88%97%95%91%92%95%90%94%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Huntington National Bank’s rates ran -0.16 pp lower than the typical New Jersey lender (average rate spread +0.09 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Huntington National Bank approves

By income
Under $50k69.6% · 56$50–75k91.4% · 232$75–100k94.0% · 319$100–150k92.5% · 508$150–250k93.1% · 492$250k+95.9% · 417
By debt-to-income
Under 36%95.0% · 1,01136–43%94.4% · 48143–50%93.2% · 474Over 50%39.7% · 58
By down payment (LTV)
20%+ down93.2% · 1,18110–20% down94.8% · 2915–10% down93.7% · 1913–5% down91.1% · 56Under 3% down92.1% · 101

Why Huntington National Bank denied applications

Unverifiable information30% of denialsDebt-to-income ratio27% of denialsIncomplete application17% of denialsCredit history16% of denialsCollateral (value/type)13% of denialsOther11% of denials

Where Huntington National Bank lends in NJ

CountyDecisionsApproval
Morris County48194.2%
Warren County36592.9%
Sussex County19291.7%
Bergen County12291.0%
Somerset County11393.8%
Hunterdon County10098.0%
Monmouth County8188.9%
Essex County7391.8%

Fees & closing costs

Median total loan costs
$5,004
home purchase
As % of loan
1.33%
NJ median 1.93%
Priced originations
1,058
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Huntington National Bank’s home-purchase originations — 0.60 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $477. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Huntington National Bank (LEI 2WHM8VNJH63UN14OL754). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →