Huntington Bank HELOC review
What Huntington Bank's home equity line of credit offers, who it fits, and what to check, from the lender's own published terms.
Reviewed by Shawn Way, NMLS #1007298★ 4.9 from 111 reviewsUpdated
Disclosure: Shawn Way is a loan officer at West Capital Lending, Inc., which competes with these lenders. HELOCHQ isn't paid by any lender for reviews, and every fact below comes from the lender's own published terms.
Who is the Huntington Bank HELOC a good fit for?
The Huntington Bank HELOC fits borrowers with less equity in its 21-state Midwest and Southeast footprint, since it lends up to 89.99% of home value (80% in Texas). As of October 26, 2026, the variable rate is prime plus or minus a margin, with 6.89%–13.18% APR on lines of $25,000+ as of September 28, 2026, an 18% cap and a $60 annual fee.
On this page
Terms at a glance
| Type | Regional bank |
|---|---|
| Rate | Variable, prime plus or minus a margin; 6.89%–13.18% APR on lines of $25,000+ as of September 28, 2026; cap 18% |
| Credit score | Not published by Huntington Bank as of October 26, 2026; ask the lender |
| Max borrowing | Up to 89.99% (80% in Texas) |
| Line size | $10,000 and up; lines under $25,000 price higher |
| Terms | 10-year draw, 20-year repayment |
| Fees | $60 annual fee ($50 in Minnesota, none in Texas); mail-away closing fees of $140–$375 where a third party closes; $75 per fixed-rate conversion in most states |
| Fixed-rate option | Convert part of the balance to a fixed rate; $75 per conversion |
Source: Huntington Bank, checked October 26, 2026.
Use a free calculator, or get your HELOC rate from Shawn.
Who it fits
- Borrowers with less equity, since Huntington goes to 89.99%
- Homeowners in its 21-state Midwest and Southeast footprint
- Lines of $25,000 or more, which get noticeably lower rates
What to check
- Lines under $25,000 are priced about 3.25 points higher
- The lowest rate requires first lien, 60% CLTV and a primary residence
- The $60 annual fee is charged starting with the first statement
Our take
Huntington's 89.99% loan-to-value ceiling is the headline: it can open a line for borrowers other banks would turn down for thin equity. It also publishes an APR table by state and line size, which helps you benchmark. Keep the line at $25,000 or more if you can, since smaller lines are priced much higher.
Questions to ask Huntington Bank
- What margin would I get at my loan-to-value?
- Is there a fee to close the line early?
- Would my closing need a mail-away notary, and what would it cost?
- What's the fixed rate today for converting part of my balance?
If it doesn't fit
- Navy Federal or Spring EQ if you need high loan-to-value outside Huntington's states
- A lender with no annual fee for a small line
How to compare it
Put any offer side by side on margin over prime, total fees, draw terms and fixed-rate options. Prime is 7.00% as of October 28, 2026. A broker with access to more than 180 lenders can price several of these in one application; check your rate and compare them with a direct quote from Huntington Bank.
Head to head
Shawn Way is a loan officer at West Capital Lending, Inc., which may compete with the lenders reviewed here and may also arrange loans through some of them as a mortgage broker. Facts come from each lender's own website on the date shown and can change; confirm current terms with the lender.
Sources
Official sources behind this guide.
- What is the difference between a home equity loan and a HELOC? · Consumer Financial Protection Bureau
- What you should know about home equity lines of credit (booklet, PDF) · Consumer Financial Protection Bureau
- Regulation Z §1026.40: Requirements for home equity plans · Consumer Financial Protection Bureau