Bottom Line
Huntington Bank is a strong regional dental practice lender with a dedicated Dentist & Veterinarian Lending team. Best for: borrowers in the 660–700 FICO range who don't quite qualify at the most stringent national banks, established practice acquisitions in the Midwest and Southeast, and dentists who value relationship banking. Starting rate 9% APR, loans up to $3M. Lower minimum FICO than BofA or Wells Fargo Practice Finance.
Huntington Bank Dental Practice Loans Review (2026)
9%+
Starting APR
$3M
Max loan amount
660+
Minimum FICO score
2–3 wk
Conventional close
Overall Rating
Editor's score
Competitive but slightly higher starting rate than BofA/WF
Full dental product range including SBA and real estate
Dedicated Dentist & Vet Lending team; well-established
Faster than BofA/WF on conventional; 2-3 week close
660 FICO minimum more accessible than premium tier banks
Strong relationship banking, dental specialist assignment
Strong Mid-Tier Dental Bank
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About Huntington Bank's Dental Lending Program
Huntington Bancshares, headquartered in Columbus, Ohio, operates one of the larger US regional banking systems with strong Midwest and Southeast presence. The bank's Dentist & Veterinarian Lending team — part of Huntington's broader Practice Finance organization — has provided dental practice acquisition, startup, equipment, and refinancing loans for decades.
Huntington positions itself competitively in the dental lending market by serving borrowers slightly outside the premium tier (660+ FICO vs. 680+ at BofA and Wells Fargo Practice Finance) while maintaining strong rates and dedicated dental industry expertise. This positioning makes Huntington particularly attractive for borrowers who don't quite meet premium-tier credit requirements but have strong practice acquisition opportunities or de novo plans.
The bank's national branch presence is concentrated in Ohio, Michigan, Pennsylvania, Indiana, Illinois, Kentucky, West Virginia, and several Southeast states. However, Huntington's Practice Finance team works dental transactions nationally — geographic constraints don't apply to dental lending the way they do to retail banking.
Huntington Bank Dental Loan Products
| Product | Loan Range | Term | Key Feature |
|---|---|---|---|
| Practice Acquisition | $50K–$3M | Up to 10 years | Conventional + SBA structures |
| De Novo / Startup | $150K–$1.5M | Up to 10 years | Equipment + build-out + WC bundle |
| Equipment Financing | $25K–$750K | 3–7 years | Section 179 planning |
| Practice Real Estate | $200K–$3M | 15–25 years | Standalone or combined with practice |
| Practice Expansion | $50K–$1.5M | 5–10 years | Buildout, second location, equipment add |
| Working Capital Line | $50K–$500K | Revolving | For established practices |
| Refinance | Up to $3M | Up to 10 years | Including loan consolidation |
Huntington Bank Underwriting Standards
| Criterion | Minimum | Best Pricing |
|---|---|---|
| FICO score | 660 | 720+ |
| Clinical experience | 1 year | 5+ years |
| Time in business | Any (startup OK) | 3+ years |
| DSCR | 1.20+ | 1.50+ |
| Down payment | 10–15% | 20%+ for best rate |
| Loan minimum | $50,000 | N/A |
Huntington Bank Rate Examples (May 2026)
| Borrower Profile | Conventional APR | SBA 7(a) APR |
|---|---|---|
| 720+ FICO, established practice, $900K acquisition | 9–9.75% | 9.75% |
| 700 FICO, 3 years experience, $650K acquisition | 9.5–10.5% | 9.75% |
| 680 FICO, 2 years experience, $500K acquisition | 10.25–11.5% | 10.25% |
| 660 FICO, 1 year experience, $400K acquisition | 11–12% | 10.25% |
| New grad with residency, $550K acquisition | SBA preferred | 10.25% |
Real Huntington Bank Dental Loan Scenarios
Scenario 1: 670 FICO Borrower (Tier 2 Bank Rejected)
An associate dentist with 4 years of experience identifies a $580K acquisition target. Credit score 670 — below the 680+ threshold at BofA Practice Solutions and Wells Fargo Practice Finance. Huntington approves a conventional acquisition loan at 10.5% APR over 10 years with 10% down payment. Closing in 22 days. Without Huntington's more flexible threshold, this borrower would need to default to SBA structures with longer timelines.
Scenario 2: Midwest De Novo Practice
A dentist in Cleveland (Huntington's home market) plans a de novo practice with $620K project cost — equipment $200K, build-out $260K, working capital $100K, marketing and contingency $60K. Strong personal credit (715 FICO), completed two-year associateship in the same metro area. Huntington structures SBA 7(a) at 10% APR / 10 years with 10% borrower equity. Branch relationship supports payroll and depository post-close.
Scenario 3: Practice + Real Estate in Indianapolis
An established practice owner acquires both the $1.1M practice and the $720K owner-occupied building. Huntington structures: $1.1M conventional practice loan at 9.25% APR / 10 years + $650K real estate mortgage at 7.75% APR / 20 years. Combined monthly debt service $14,400. Practice's normalized $385K of EBITDA easily supports the combined structure.
Pros
- 660+ FICO minimum. More accessible than BofA (680+) and Wells Fargo (680+) for borrowers in the 660–679 credit range.
- Faster conventional close than BofA/Wells Fargo. 2–3 week close is competitive with the larger national banks.
- Strong dental industry expertise. Dedicated Dentist & Veterinarian Lending team understands practice cash flow patterns.
- Lower loan minimum ($50K) than Wells Fargo ($100K). Better for smaller acquisition and refinance deals.
- Strong Midwest and Southeast presence. In-region borrowers can leverage Huntington branch relationships for payroll, depository, merchant services.
- 1-year experience minimum. More flexible for new graduates than BofA and Wells Fargo Practice Finance.
- Full product range including SBA. Practice + real estate combinations available.
Cons
- Higher starting rate than BofA/Wells Fargo. 9%+ vs. 8.5–8.75% at the top-tier conventional lenders. Mid-tier borrowers may pay a small premium for Huntington's more flexible underwriting.
- $3M loan maximum (lower than $5M at BofA/Wells Fargo/Live Oak). May not fit larger acquisitions or multi-practice deals.
- Regional brand recognition outside Midwest/Southeast. Borrowers in California or Northeast may face longer relationship-building processes despite remote underwriting being standard.
- Less aggressive on new graduate / de novo than Live Oak. Huntington is accessible but Live Oak remains the dental industry's strongest new graduate lender.
- Conservative on borrowers below 660 FICO. While more flexible than BofA/WF, Huntington isn't a sub-prime dental lender.
How Huntington Compares to Other Top Dental Lenders
| Huntington | BofA Practice Solutions | Wells Fargo PF | Live Oak Bank | |
|---|---|---|---|---|
| Starting rate | 9% | 8.5% | 8.75% | 9.75% (SBA) |
| Min FICO | 660 | 680 | 680 | 650 |
| Min loan | $50K | $25K | $100K | $75K |
| Max loan | $3M | $5M | $5M | $5M |
| Conventional speed | 2–3 weeks | 30–45 days | 2–3 weeks | N/A (SBA) |
| Best for | 660-700 FICO borrowers, Midwest/Southeast | Established, smaller deals, RE | $100K+ established | New grad, de novo, SBA |
Who Should Choose Huntington Bank?
- Dentists with 660–700 FICO scores — Huntington's 660 minimum is the best mid-tier option among major bank dental lenders.
- Borrowers in the Midwest and Southeast — In-region practice owners benefit from local branch relationships for payroll and depository services.
- Borrowers with 1–2 years of clinical experience — More flexible on experience than BofA and Wells Fargo Practice Finance.
- Borrowers needing faster conventional close than BofA — Huntington's 2–3 week conventional timeline is competitive.
- Practice acquisitions or de novos under $3M — The loan maximum fits most single-doctor scenarios.
When to Look Elsewhere
- Loan needs above $3M — BofA, Wells Fargo, or Live Oak all extend to $5M.
- FICO under 660 — Live Oak (650+) or specialty lenders are better fits.
- Best possible conventional rate — BofA Practice Solutions and Wells Fargo Practice Finance often beat Huntington on rate for borrowers with 720+ credit.
- Strong new graduate / de novo programs — Live Oak Bank remains the industry leader for these borrower profiles.
Compare Huntington Against Other Top Dental Lenders
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- All Dental Practice Lenders
- Practice Acquisition Loans Guide
- De Novo Practice Loans Guide
- Current Dental Practice Loan Rates