Huntington National Bank Review 2026

Huntington consistently places at the top of SBA 7(a) lenders by number of loans originated — not just by dollar volume. High loan counts reflect efficient processing on smaller and mid-range 7(a) loans, strong franchise SBA activity, and broad reach across the Midwest and Mid-Atlantic footprint. Borrowers in those regions benefit from both local branch presence and an experienced SBA team.

SBA Express is a streamlined version of the 7(a) program for loans up to $500K. It offers a faster turnaround because the lender holds delegated credit-decision authority, approving using its own underwriting rather than waiting on SBA review, versus a longer timeline for standard 7(a). The tradeoff is a lower SBA guarantee percentage. Huntington offers SBA Express as part of its 7(a) lineup. The SBA describes Express details at sba.gov.

Yes — Huntington holds national PLP status, which means it can originate SBA loans beyond its branch footprint. That said, its operational depth and relationship infrastructure are strongest in the Midwest and Mid-Atlantic, where it has the densest branch presence for local business banking support.

Huntington's SBA underwriting generally targets 680+ FICO, 2+ years in business, and a Debt Service Coverage Ratio (DSCR) of at least 1.15 — the SBA's standard threshold meaning the business generates $1.15 for every $1.00 of annual debt service. Franchise borrowers may find Huntington's franchise-specific SBA experience particularly useful. Exact requirements vary by loan size and borrower profile; the SBA's published eligibility standards are available at sba.gov.