Huntington Bank runs its own mortgage customer service, payment addresses and online Mortgage Hub. If you pay Huntington each month, Huntington is your servicer and your PMI request goes to it. Huntington does not publish a PMI cancellation process on its public website. Federal law still sets the rules, so the steps below follow the Homeowners Protection Act and the standard investor rules, with the contact details Huntington publishes.
Servicer policies, fees, forms, and phone numbers change over time. We checked Huntington's contact details on October 17, 2026. Confirm the current requirements with Huntington before you act.
Step 1: Confirm You Have the Equity
Your loan-to-value ratio is your current principal balance divided by your home's value. Two federal thresholds apply to borrower-paid PMI on a conventional loan:
- 80% of the original value: you can ask Huntington in writing to cancel PMI.
- 78% of the original value: PMI must end automatically on the original payment schedule, as long as you are current.
If your home has gained value, Fannie Mae and Freddie Mac loans can also qualify on current value: 75% or less between years 2 and 5, and 80% or less after year 5.
The 80% line
PMI can be requested below 80% LTV.
Below 80%
You can request PMI cancelation in writing.
At 78% (scheduled)
By law, your servicer must remove PMI.
Step 2: Check Your Payment History
You need to be current, with no payment 30 or more days late in the last 12 months and no payment 60 or more days late in the last 24 months.
Step 3: Call Mortgage Customer Service
Ask what loan-to-value ratio your loan needs, which valuation Huntington accepts, who orders it, and what it costs. Write down the answers and the name of the person you spoke to.
Huntington Mortgage Customer Service Phone: (800) 323-4695 (Mon–Fri 8 a.m.–8 p.m. ET, Sat 8 a.m.–2 p.m. ET) Fax: (614) 480-6009 Mail: Attn: GW1N09, 5555 Cleveland Ave, Columbus, OH 43231
Step 4: Send the Request in Writing
Mail a signed letter to Mortgage Customer Service at the address above. Include your name as it appears on the loan, your loan number, the property address, and a clear request to cancel PMI. Keep a copy and note the date you sent it.
To get Huntington's requirements in writing, send a request for information to the address Huntington lists for written error resolution, information requests and qualified written requests:
The Huntington National Bank P.O. Box 340996 Columbus, OH 43234
Federal servicing rules require a servicer to acknowledge a written request for information within 5 business days and to answer most within 30 business days.
Step 5: The Valuation
A request based on current value needs a valuation, and you pay for it. Huntington's public pages do not give the type or the price. Ask how the valuation is ordered before you pay for one, so you don't pay for a report Huntington won't accept.
The Bottom Line
Huntington doesn't publish its PMI requirements, so get them on the phone and then in writing. Confirm your equity and payment history first, and don't pay for a valuation until you know which kind Huntington accepts.
PMI Ninja handles Huntington requests from start to finish. We check your equity before any valuation is ordered and follow up until Huntington confirms in writing that PMI is removed.
Want us to handle your Huntington PMI removal? Start the free check below. We'll tell you whether your equity supports cancellation before you pay for a valuation.
Check my eligibility →Write your Huntington cancellation letter now.
Call first to get your loan's requirements, then send the letter. Our builder fills in the letter, addresses it to the right department, and lists the conditions Huntington applies — so it doesn’t come back over something you never saw.
It goes here
Huntington Mortgage Customer Service Attn: GW1N09 5555 Cleveland Ave Columbus, OH 43231
Or have us handle the whole thing — you pay nothing unless your PMI is removed.