Huntington Bank is consistently among the top US SBA lenders by loan count. RMO Bank is an SBA Preferred Lender with member-rate pricing. Here’s how the two compare for small-business borrowers shopping SBA loans.
Both close a lot of SBA loans. Service model, footprint, and member pricing differ.
SBA pricing depends on program rules; lender competition is on service, packaging, and broader bank relationship.
RMO SBA vs. Huntington on programs, regional footprint, and relationship.
| Feature | RMO SBA Loans | Huntington Bank |
|---|---|---|
| SBA Preferred Lender | Yes | Yes |
| 7(a) program | Yes | Yes — very high volume |
| 504 program | Yes | Yes |
| SBA Express | Yes | Yes |
| Geographic footprint | RMO retail center markets | Midwest-anchored, broader US |
| Member pricing | Yes | No membership pricing |
| Banking relationship | Full RMO Bank suite | Full Huntington bank suite |
| Treasury / payments integration | RMO Treasury, RMOPay, Merchant Services | Huntington Business Services |
| Retail branches | RMO retail centers | Huntington branch network |
| Bundled with personal finance | Yes — via RMO Membership Club | Standard personal banking products |
Comparison details summarized for context. SBA program availability, fees, rates, and terms are subject to SBA rules and individual lender underwriting.
Huntington is a strong choice if you’re in their core regions and want SBA from a long-established retail bank. RMO SBA is the better choice if you want member-rate pricing and the broader RMO ecosystem.
Share your business overview, financials, and use of funds. An RMO SBA specialist reviews fit and program.
Submit the full package. We underwrite locally and coordinate SBA approval per program rules.
Sign closing documents and fund the loan. We service most loans in-house through RMO Bank.
Both price within SBA program rules. RMO member-rate pricing may come in below standard public pricing on similar files. Get written term sheets to compare.
SBA closing speed is more about packaging quality and program type than lender brand. RMO Express loans are fastest; standard 7(a) typically runs 30-90 days at either lender.
Not required. Bringing operating deposits typically unlocks the strongest member-rate pricing and a more attentive banker relationship.
RMO SBA supports the full range from SBA Express minimums to 7(a) and 504 program maximums. Discuss your specific size and use of funds with a specialist.
SBA loans can carry packaging or guaranty fees per SBA program rules. Both RMO and Huntington follow SBA fee schedules. Review the term sheet for all included fees.
Guides, plans, and more RMO comparisons to help you decide with confidence.
RMO Bank is an SBA Preferred Lender with local underwriting on 7(a), 504, and Express loans for working capital, equipment, real estate, and acquisition.
