Purchase Originations
13,262
Ranked #31 nationally
Median Total Costs
$4,874
−27.0% vs national ($6,680)
↑ $172 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,457
Median Lender Credits
$2,268
Cost Rank (500+ vol.)
#184
among lenders with 500+ originations
Denial Rate
5.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 11,293 | 6.625% | $4,632 | $1,470 |
| fha | 1,487 | 6.500% | $7,993 | $1,607 |
| va | 441 | 6.250% | $3,336 | $211 |
| usda | 41 | 6.500% | $6,090 | $1,490 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 5,702 | 6.500% | $4,605 | #2 |
| Michigan | 2,125 | 6.625% | $4,082 | #5 |
| Illinois | 1,397 | 6.500% | $6,734 | #16 |
| Indiana | 554 | 6.625% | $3,578 | #30 |
| Minnesota | 534 | 6.500% | $5,322 | #27 |
| West Virginia | 484 | 6.465% | $4,893 | #6 |
| Pennsylvania | 467 | 6.625% | $6,055 | #48 |
| Wisconsin | 326 | 6.625% | $3,164 | #39 |
| Kentucky | 320 | 6.500% | $3,896 | #30 |
| Colorado | 232 | 6.375% | $5,093 | #71 |
| Texas | 141 | 6.750% | $9,651 | #240 |
| North Carolina | 135 | 6.375% | $5,163 | #131 |
| Florida | 93 | 6.625% | $5,944 | #237 |
| New Jersey | 77 | 6.500% | $6,440 | #124 |
| South Carolina | 74 | 6.625% | $5,355 | #137 |
| Arizona | 52 | 6.938% | $8,225 | #134 |
| Georgia | 52 | 6.812% | $6,226 | #200 |
| Washington | 51 | 7.000% | $6,360 | #148 |
| Tennessee | 42 | 6.625% | $6,257 | — |
| Oregon | 41 | 7.250% | $7,560 | — |
| Virginia | 41 | 6.625% | $5,670 | — |
| Massachusetts | 36 | 6.938% | $6,660 | — |
| Utah | 36 | 7.062% | $6,407 | — |
| Maryland | 24 | 6.750% | $6,875 | — |
| Missouri | 24 | 7.062% | $4,353 | — |
| California | 20 | 6.625% | $8,364 | — |
| Connecticut | 15 | 6.625% | $6,374 | — |
| Montana | 14 | 6.750% | $7,057 | — |
| New Mexico | 12 | 6.562% | $6,622 | — |
| Alabama | 11 | 6.500% | $4,621 | — |
| Nevada | 11 | 6.750% | $5,517 | — |
| Idaho | 10 | 6.625% | $8,830 | — |
| North Dakota | 10 | 7.188% | $5,803 | — |
| Iowa | 9 | 6.750% | $4,130 | — |
| New Hampshire | 9 | 7.500% | $4,963 | — |
| Oklahoma | 9 | 6.875% | $5,959 | — |
| South Dakota | 9 | 7.125% | $4,385 | — |
| Maine | 8 | 7.125% | $5,684 | — |
| Louisiana | 7 | 6.750% | $10,626 | — |
| Arkansas | 6 | 6.812% | $4,048 | — |
| Mississippi | 6 | 6.562% | $5,215 | — |
| Nebraska | 6 | 6.750% | $4,423 | — |
| New York | 6 | 6.938% | $13,128 | — |
| Wyoming | 6 | 7.188% | $5,359 | — |
| Delaware | 5 | 7.500% | $7,639 | — |
| Kansas | 5 | 5.875% | $5,137 | — |
| Rhode Island | 4 | 6.750% | $5,655 | — |
| District of Columbia | 2 | 6.375% | $8,368 | — |
| Vermont | 2 | 7.000% | $5,296 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,033 | 6.625% | — | 271 | −$841 | |
| 2 | $4,115 | 6.500% | — | 128 | −$759 | |
| 3 | $4,177 | 6.500% | — | 150 | −$697 | |
| 4 | $4,180 | 6.625% | — | 322 | −$694 | |
| 5 | $4,314 | 6.625% | — | 195 | −$560 | |
| 6 | $4,320 | 6.500% | — | 152 | −$554 | |
| 7 | $4,348 | 6.625% | — | 283 | −$526 | |
| 8 | $4,435 | 6.500% | — | 256 | −$439 | |
| 9 | $4,482 | 6.625% | — | 318 | −$392 | |
| 10 | $4,548 | 6.625% | — | 425 | −$326 | |
| 11 | $4,549 | 6.625% | — | 303 | −$325 | |
| 12 | $4,573 | 6.625% | — | 174 | −$301 | |
| 13 | $4,629 | 6.625% | — | 144 | −$245 | |
| 14 | $4,664 | 6.500% | — | 176 | −$210 | |
| 15 | $4,800 | 6.550% | — | 600 | −$74 | |
| 16 | $4,815 | 6.500% | — | 519 | −$59 | |
| 17 | $5,400 | 6.625% | — | 199 | +$526 | |
| 18 | $6,484 | 6.500% | — | 134 | +$1,610 | |
| 19 | $6,800 | 6.500% | — | 917 | +$1,926 | |
| 20 | $7,167 | 6.375% | — | 140 | +$2,293 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | The Huntington National Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $4,874 | $7,127 | −$2,253 (−31.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.