Huntington FHA Loan Rates, Closing Costs & Stats

HUNTINGTON-ASHLAND, WV-KY-OH

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Huntington's 89 lenders originated 898 FHA loans during 2024. The total origination value was $153,840,000, with an average FHA loan value of $171,314.

    Huntington FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Huntington averaged 0.11% for the week of 2025-06-20, compared to the national average (all FHA variants) of 0% for the same period.

    Huntington's average FHA mortgage closing costs are $6,436.

    The average rate for the prior week (2025-06-13) was 6.99% and one month ago for the week of 2025-05-16, the average rate was 6.85%.

    The average rate one year ago was 6.7%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.13%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Huntington FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Huntington level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    MOVEMENT MORTGAGE, LLC 123 6.45% $8,403
    QUICKEN LOANS, LLC 89 6.51% $8,673
    STOCKTON MORTGAGE CORPORATION 66 6.90% $8,252
    PRIMELENDING, A PLAINSCAPITAL COMPANY 63 6.64% $6,993
    UNITED WHOLESALE MORTGAGE, LLC 50 6.48% $9,577
    LOANDEPOT.COM, LLC 49 6.33% $8,344
    Equity Prime Mortgage LLC 43 6.89% $7,113
    WesBanco 23 6.19% $6,982
    Gateway First Bank 16 6.65% $8,931
    FREEDOM MORTGAGE CORPORATION 16 6.43% $9,614
    U.S. Bank 15 6.56% $6,005
    BROKER SOLUTIONS, INC. 15 7.21% $7,545
    GUARANTEED RATE, INC. 14 6.79% $8,745
    MYCUMORTGAGE, LLC 14 6.81% $6,716
    MID AMERICA MORTGAGE, INC. 14 6.91% $4,226
    NEWREZ LLC 11 6.61% $8,155
    AMERISAVE MORTGAGE CORPORATION 11 6.19% $9,506
    SUCCESS MORTGAGE PARTNERS, INC. 11 6.81% $9,043
    The Huntington National Bank 10 6.35% $7,072
    CALCON MUTUAL MORTGAGE LLC 10 6.87% $7,365
    Mortgage Research Center, LLC 9 6.71% $4,676
    United Bank 9 6.37% $8,941
    Mr. Cooper ( Nationstar Mortgage ) 7 6.66% $8,846
    VILLAGE CAPITAL MORTGAGE 7 6.84% $3,139
    CROSSCOUNTRY MORTGAGE, LLC 7 6.53% $10,879
    PENNYMAC LOAN SERVICES, LLC 6 5.92% $7,500
    HOMESIDE FINANCIAL, LLC 6 6.96% $8,479
    Fifth Third Bank 6 6.88% $5,315
    LAKEVIEW LOAN SERVICING, LLC 5 6.53% $7,604
    Carrington Mortgage Services, LLC 5 6.78% $10,439
    Truist 5 6.21% $8,015
    AMERICAN FINANCING CORPORATION 5 6.25% $11,014
    Nations Lending Corporation 4 6.84% $11,967
    POLARIS HOME FUNDING CORP. 4 6.72% $10,409
    Victorian Finance, LLC 3 5.55% $5,707
    Peoples Bank 3 6.75% $6,499
    BAYSHORE MORTGAGE FUNDING, LLC 3 7.17% $9,680
    Paramount Residential Mortgage Group, Inc. 2 7.13% $8,828
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 5.94% $12,719
    DAS Acquisition Company, LLC 2 6.94% $8,267
    ENDEAVOR CAPITAL, LLC. 2 6.25% $8,637
    JPMorgan Chase Bank 2 6.69% $3,858
    Magnolia Bank 2 7.38% $9,192
    MUTUAL OF OMAHA MORTGAGE, INC. 2 7.00% $8,597
    NEW DAY FINANCIAL, LLC 2 7.38% $4,449
    OCEANSIDE MORTGAGE COMPANY 2 5.69% $2,926
    PLANET HOME LENDING, LLC 2 5.68% $7,516
    Prosperity Home Mortgage, LLC 2 6.69% $7,044
    SUN WEST MORTGAGE COMPANY, INC. 2 7.06% $10,555
    HARTFORD FUNDING, LTD. 1 6.75% $12,821
    GUILD MORTGAGE COMPANY 1 6.75% $4,592
    NBKC BANK 1 6.00% $9,688
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.63% $8,142
    Guardian Savings Bank, A Federal Savings Bank 1 6.13% $5,595
    Wells Fargo Bank 1 5.88% $5,479
    1ST SIGNATURE LENDING, LLC 1 6.88% $12,172
    GoPrime Mortgage, Inc. 1 7.13% $3,938
    GERSHMAN INVESTMENT CORP. 1 6.25% $5,604
    PHH Mortgage Corporation 1 6.38% $8,688
    AMERICAN FINANCIAL NETWORK, INC. 1 5.99% $15,933
    PLAZA HOME MORTGAGE, INC. 1 6.63% $13,877
    First Federal Bank 1 6.63% $9,280
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 7.13% $7,412
    First Bank 1 5.75% $6,645
    WRIGHT-PATT CREDIT UNION, INC. 1 7.13% $8,188
    East Coast Capital Corp. 1 6.50% $9,499
    Regions Bank 1 6.75% $6,097
    RELIANCE FIRST CAPITAL, LLC 1 7.75% $9,545
    ROYAL UNITED MORTGAGE LLC 1 7.13% $13,833
    SECURITYNATIONAL MORTGAGE COMPANY 1 7.50% $6,100
    Cornerstone First Mortgage, Inc 1 6.88% $6,193
    Stock Yards Bank & Trust Company 1 5.63% $5,305
    CARDINAL FINANCIAL 1 6.63% $11,674
    ZILLOW HOME LOANS, LLC 1 5.75% $11,954
    T2 FINANCIAL LLC 1 6.75% $10,717
    BETTER MORTGAGE CORPORATION 1 4.75% $16,039
    TOP FLITE FINANCIAL, INC. 1 6.63% $10,777
    TOWNE MORTGAGE COMPANY 1 6.63% $7,657
    Barrington Bank & Trust Company, N.A. 1 6.75% $5,389
    UNION HOME MORTGAGE CORP. 1 7.13% $7,148
    Bank of England 1 6.50% $7,575
    Bank of America 1 7.00% $8,419
    Assurance Financial Group, L.L.C. 1 7.13% $18,683
    LIBERTY HOME MORTGAGE CORPORATION 1 6.75% $16,983
    Ixonia Bank 1 7.13% $6,948
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 6.75% $17,367
    HOMESPIRE MORTGAGE CORPORATION 1 7.25% $16,776
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.50% $3,787
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.75% $11,461

    The top Huntington FHA lender as defined by loan originations is MOVEMENT MORTGAGE, LLC, with 123 FHA loans originated. Their average total fees are $8,403, which is $270 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Huntington FHA lenders (with over 10 loans originated) are MID AMERICA MORTGAGE, INC. ($4,226), U.S. Bank ($6,005), MYCUMORTGAGE, LLC ($6,716), WesBanco ($6,982) and PRIMELENDING, A PLAINSCAPITAL COMPANY ($6,993).

    The lowest rate Huntington FHA lenders (with over 10 loans originated) are WesBanco (6.19%), AMERISAVE MORTGAGE CORPORATION (6.19%), LOANDEPOT.COM, LLC (6.33%), The Huntington National Bank (6.35%) and FREEDOM MORTGAGE CORPORATION (6.43%).

    Huntington FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    HUNTINGTON-ASHLAND, WV-KY-OH BOYD 2022 $420,680 $538,650 $651,050 $809,150
    HUNTINGTON-ASHLAND, WV-KY-OH CARTER 2022 $420,680 $538,650 $651,050 $809,150
    HUNTINGTON-ASHLAND, WV-KY-OH GREENUP 2022 $420,680 $538,650 $651,050 $809,150
    HUNTINGTON-ASHLAND, WV-KY-OH LAWRENCE 2022 $420,680 $538,650 $651,050 $809,150
    HUNTINGTON-ASHLAND, WV-KY-OH CABELL 2022 $420,680 $538,650 $651,050 $809,150
    HUNTINGTON-ASHLAND, WV-KY-OH PUTNAM 2022 $420,680 $538,650 $651,050 $809,150
    HUNTINGTON-ASHLAND, WV-KY-OH WAYNE 2022 $420,680 $538,650 $651,050 $809,150
    HUNTINGTON-ASHLAND, WV-KY-OH BOYD 2023 $472,030 $604,400 $730,525 $907,900
    HUNTINGTON-ASHLAND, WV-KY-OH CARTER 2023 $472,030 $604,400 $730,525 $907,900
    HUNTINGTON-ASHLAND, WV-KY-OH GREENUP 2023 $472,030 $604,400 $730,525 $907,900
    HUNTINGTON-ASHLAND, WV-KY-OH LAWRENCE 2023 $472,030 $604,400 $730,525 $907,900
    HUNTINGTON-ASHLAND, WV-KY-OH CABELL 2023 $472,030 $604,400 $730,525 $907,900
    HUNTINGTON-ASHLAND, WV-KY-OH PUTNAM 2023 $472,030 $604,400 $730,525 $907,900
    HUNTINGTON-ASHLAND, WV-KY-OH WAYNE 2023 $472,030 $604,400 $730,525 $907,900

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).