|        |                                                                                           |  |  |  |  |
|--------|-------------------------------------------------------------------------------------------|--|--|--|--|
| ý | Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 |

|        |                                                                                               |  |  |  |  |
|--------|-----------------------------------------------------------------------------------------------|--|--|--|--|
|  ̈ | Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 |

|                                                                                     |        |                                     |  |  |  |  |  |  |
|-------------------------------------------------------------------------------------|--------|-------------------------------------|--|--|--|--|--|--|
| Delaware                                                                            |   | 81-6858444                          |
| (State or other jurisdiction ofincorporation or organization of the issuing entity) |   | (I.R.S. EmployerIdentification No.) |
|                                                                                     |        |                                     |
| 41 S. High Street, Columbus, Ohio                                                   |   | 43287                               |
| (Address of principal executive offices of the issuing entity)                      |   | (Zip Code)                          |

|                |                  |                                      |  |  |  |  |  |  |
|----------------|------------------|--------------------------------------|--|--|--|--|--|--|
| Title of class | TradingSymbol(s) | Name of exchange on which registered |
| N/A        | N/A          | N/A                              |

|                  |  |  |
|------------------|--|--|
| N/A          |
| (Title of class) |

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|                                   |        |        |              |                                     |        |        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|-----------------------------------|--------|--------|--------------|-------------------------------------|--------|--------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
| Large accelerated filer |   |  ̈ |    | Accelerated filer              |   |  ̈ |
|                                   |        |        |              |                                     |        |        |
| Non-accelerated filer             |   | ý |    | Smaller reporting company |   |  ̈ |
|                                   |        |        |              | Emerging growth company        |        |  ̈ |

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|                                                                                     |                                                                                                                           |   |  |  |  |  |  |  |
|-------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------|---|--|--|--|--|--|--|
| Huntington Auto Trust 2016-1                                                        |                                                                                                                           |   |
| INDEX                                                                               |                                                                                                                           |   |
|                                                                                     |                                                                                                                           |   |
| Part I.                                                                             |                                                                                                                           |   |
| Item 1.                                                                        | Business *                                                                                                                |   |
|                                                                                     |                                                                                                                           |   |
| Item 1A.                                                                       | Risk Factors *                                                                                                            |   |
|                                                                                     |                                                                                                                           |   |
| Item 1B.                                                                       | Unresolved Staff Comments                                                                                                 | 4 |
|                                                                                     |                                                                                                                           |   |
| Item 2.                                                                        | Properties *                                                                                                              |   |
|                                                                                     |                                                                                                                           |   |
| Item 3.                                                                        | Legal Proceedings *                                                                                                       |   |
|                                                                                     |                                                                                                                           |   |
| Item 4.                                                                        | Mine Safety Disclosures                                                                                                   | 4 |
|                                                                                     |                                                                                                                           |   |
| Part II.                                                                            |                                                                                                                           |   |
| Item 5.                                                                        | Market for Registrant’s Common Equity, Related Shareholder Matters and Issuer Purchases of Equity Securities * |   |
|                                                                                     |                                                                                                                           |   |
| Item 6.                                                                        | Selected Financial Data *                                                                                                 |   |
|                                                                                     |                                                                                                                           |   |
| Item 7.                                                                        | Management’s Discussion and Analysis of Financial Condition and Results of Operations *                             |   |
|                                                                                     |                                                                                                                           |   |
| Item 7A.                                                                       | Quantitative and Qualitative Disclosures About Market Risk *                                                              |   |
|                                                                                     |                                                                                                                           |   |
| Item 8.                                                                        | Financial Statements and Supplementary Data *                                                                             |   |
|                                                                                     |                                                                                                                           |   |
| Item 9.                                                                        | Changes in and Disagreements with Accountants on Accounting and Financial Disclosure *                                    |   |
|                                                                                     |                                                                                                                           |   |
| Item 9A.                                                                       | Controls and Procedures *                                                                                                 |   |
|                                                                                     |                                                                                                                           |   |
| Item 9B.                                                                       | Other Information                                                                                                         | 4 |
|                                                                                     |                                                                                                                           |   |
| Part III.                                                                           |                                                                                                                           |   |
| Item 10.                                                                       | Directors, Executive Officers and Corporate Governance *                                                                  |   |
|                                                                                     |                                                                                                                           |   |
| Item 11.                                                                       | Executive Compensation *                                                                                                  |   |
|                                                                                     |                                                                                                                           |   |
| Item 12.                                                                       | Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters *                          |   |
|                                                                                     |                                                                                                                           |   |
| Item 13.                                                                       | Certain Relationships and Related Transactions, and Director Independence *                                               |   |
|                                                                                     |                                                                                                                           |   |
| Item 14.                                                                       | Principal Accountant Fees and Services *                                                                                  |   |
|                                                                                     |                                                                                                                           |   |
| Part IV.                                                                            |                                                                                                                           |   |
|                                                                                     |                                                                                                                           |   |
| Item 15.                                                                       | Exhibits and Financial Statement Schedules                                                                                | 5 |
|                                                                                     |                                                                                                                           |   |
| Item 16.                                                                       | Form 10-K Summary                                                                                                         | 6 |
|                                                                                     |                                                                                                                           |   |
|                                                                                     |                                                                                                                           |   |
| Signature                                                                           |                                                                                                                           |   |
|                                                                                     |                                                                                                                           |   |
| *  Item is omitted in accordance with General Instruction J to Form 10-K. |                                                                                                                           |   |

----

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|                                           |  |                                                                                                                                                                                                                                                            |  |     |  |  |  |  |  |  |  |  |  |  |
|-------------------------------------------|--|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--|-----|--|--|--|--|--|--|--|--|--|--|
| Exhibits for Huntington Auto Trust 2016-1 |  |                                                                                                                                                                                                                                                            |  |     |
| 1.1                                       |  | Underwriting Agreement, dated November 28, 2016, among Huntington Funding, LLC (the “Depositor”), The Huntington National Bank and Credit Suisse Securities  (USA) LLC, on behalf of itself and as representative of the several Underwriters. |  | *   |
|                                           |  |                                                                                                                                                                                                                                                            |  |     |
| 3.1                                       |  | Third Amended and Restated Limited Liability Company Agreement of Huntington Funding, LLC dated as of November 9, 2016.                                                                                                                                    |  | **  |
|                                           |  |                                                                                                                                                                                                                                                            |  |     |
| 4.1                                       |  | Indenture, dated as of November 30, 2016, between the Huntington Auto Trust 2016-1 (the “Issuing Entity”) and Wells Fargo Bank, National Association, as indenture trustee (the “Indenture Trustee”).                              |  | *** |
|                                           |  |                                                                                                                                                                                                                                                            |  |     |
| 10.1                                      |  | Receivables Sale Agreement, dated as of November 30, 2016, between The Huntington National Bank and the Depositor.                                                                                                                                         |  | *** |
|                                           |  |                                                                                                                                                                                                                                                            |  |     |
| 10.2                                      |  | Asset Representations Review Agreement, dated as of November 30, 2016, among the Issuing Entity, The Huntington National Bank and Clayton Fixed Income Services LLC.                                                                                       |  | *** |
|                                           |  |                                                                                                                                                                                                                                                            |  |     |
| 10.3                                      |  | Sale Agreement, dated as of November 30, 2016, between the Issuing Entity and the Depositor.                                                                                                                                                               |  | *** |
|                                           |  |                                                                                                                                                                                                                                                            |  |     |
| 10.4                                      |  | Servicing Agreement, dated as of November 30, 2016, among The Huntington National Bank, the Issuing Entity and the Indenture Trustee.                                                                                                                      |  | *** |

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|      |  |                                                                                                                                                                                                                                                                                                                                             |  |               |  |  |  |  |  |  |  |  |  |  |
|------|--|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--|---------------|--|--|--|--|--|--|--|--|--|--|
|      |  |                                                                                                                                                                                                                                                                                                                                             |  |               |
| 10.5 |  | Amended and Restated Trust Agreement, dated as of November 30, 2016, among the Depositor, Citibank, N.A., as owner trustee, and Citicorp Trust Delaware, National Association, as issuer Delaware trustee, and acknowledged and agreed to by Wells Fargo Bank, National Association, as certificate registrar and certificate paying agent. |  | ***           |
|      |  |                                                                                                                                                                                                                                                                                                                                             |  |               |
| 10.6 |  | Administration Agreement, dated as of November 30, 2016, among the Issuing Entity, The Huntington National Bank and the Indenture Trustee.                                                                                                                                                                                                  |  | ***           |
|      |  |                                                                                                                                                                                                                                                                                                                                             |  |               |
| 31.1 |  | Certification of Senior Officer in charge of the servicing function pursuant to Section 302 of the Sarbanes Oxley Act of 2002.                                                                                                                                                                                                              |  | Filedherewith |
|      |  |                                                                                                                                                                                                                                                                                                                                             |  |               |
| 33.1 |  | Management’s Report on Assessment of Compliance with SEC Regulation AB Servicing Criteria                                                                                                                                                                                                                                             |  | Filedherewith |
|      |  |                                                                                                                                                                                                                                                                                                                                             |  |               |
| 33.2 |  | Indenture Trustee’s Assertion of Compliance                                                                                                                                                                                                                                                                                           |  | Filedherewith |
|      |  |                                                                                                                                                                                                                                                                                                                                             |  |               |
| 34.1 |  | Report of Independent Registered Public Accounting Firm (PricewaterhouseCoopers LLP in respect of The Huntington National Bank).                                                                                                                                                                                                            |  | Filedherewith |
|      |  |                                                                                                                                                                                                                                                                                                                                             |  |               |
| 34.2 |  | Report of Independent Registered Public Accounting Firm (KPMG LLP on behalf of Indenture Trustee).                                                                                                                                                                                                                                          |  | Filedherewith |
|      |  |                                                                                                                                                                                                                                                                                                                                             |  |               |
| 35.1 |  | Annual Servicer’s Compliance Certificate                                                                                                                                                                                                                                                                                              |  | Filedherewith |
|      |  |                                                                                                                                                                                                                                                                                                                                             |  |               |
| *    |  | Incorporated by reference to the corresponding Exhibit to Issuing Entity's Current Report on Form 8-K filed on November 29, 2016 (File No. 333-214109-01).                                                                                                                                                                                  |  |               |
|      |  |                                                                                                                                                                                                                                                                                                                                             |  |               |
| **   |  | Incorporated by reference to the corresponding Exhibit to Huntington Funding LLC’s Current Report on Form 8-K filed on November 10, 2016 (File No. 333-203636).                                                                                                                                                                       |  |               |
|      |  |                                                                                                                                                                                                                                                                                                                                             |  |               |
| ***  |  | Incorporated by reference to the corresponding Exhibit to Issuing Entity's Current Report on Form 8-K filed on December 1, 2016 (File No. 333-214109-01).                                                                                                                                                                                   |  |               |

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|                                                                                                   |        |                              |  |  |  |  |  |  |  |  |  |  |  |  |
|---------------------------------------------------------------------------------------------------|--------|------------------------------|--|--|--|--|--|--|--|--|--|--|--|--|
|                                                                                                   |        |                              |  |  |
| Huntington Auto Trust 2016-1                                                                      |        |                              |  |  |
| (Issuing Entity)                                                                                  |        |                              |  |  |
|                                                                                                   |        |                              |  |  |
| By:                                                                                           |   | The Huntington National Bank |  |  |
| (Servicer, not in its individual capacity but solely as Servicer on behalf of the Issuing Entity) |        |                              |  |  |
|                                                                                                   |        |                              |  |  |
| By:                                                                                           |   | /s/ Kim Taylor       |  |  |
| Name:                                                                                         |   | Kim Taylor                   |  |  |
| Title:                                                                                        |   | Senior Vice President        |  |  |
|                                                                                                   |        |                              |  |  |
| Date:                                                                                         |        | March 12, 2020               |  |  |