Lender profile · HMDA 2025

Morgan Stanley Private Bank, N.A.: 2025 mortgage rates, costs & approvals

How Morgan Stanley Private Bank, N.A. priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: Morgan Stanley Private Bank, National Association · LEI 549300GS0W0TEUQS8571

In 2025, Morgan Stanley Private Bank, N.A. originated 6,583 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 51 states — 94th by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.05% (all lenders: 6.625%); its median rate spread was 39 basis points below the national median. Median conventional loan costs were $5,400, 3% lower than the national median ($5,570).

It denied 2.2% of completed home-purchase applications (all lenders: 8.5%).

Loans

6,583

of 7,147 applications

Denial rate

2.2%

Purchase · all 8.5%

30-yr fixed rate

6.05%

Conv. · all 6.625%

Loan costs

$5,400

Conv. · all $5,570

Loan amount

$775,000

Purchase · all $335,000

Borrower income

$335,000

Purchase · all $116,000

How Morgan Stanley Private Bank, N.A. priced home-purchase loans

Purchase loans, 2025	Morgan Stanley Private Bank, N.A.	All lenders
30-year fixed rate · conventional	6.050%	6.625%
30-year fixed rate · FHA	—	6.250%
30-year fixed rate · VA	—	6.125%
15-year fixed rate · conventional	—	5.875%
Rate spread vs. APOR · conventional	−0.26 pts	+0.13 pts
Total loan costs · conventional	$5,400	$5,570
Total loan costs · FHA	—	$11,310
Total loan costs · VA	—	$6,490
Origination charges (all types)	$820	$1,860
Borrowers paying discount points	0.7%	51.3%
Points paid, when paid (% of loan)	1.00%	0.87%
Borrowers receiving lender credits	78.7%	33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 100.0% 6,583

By purpose

Home purchase 89.2% 5,872

Refinance 7.3% 479

Cash-out refinance 3.5% 232

Home value

$1,155,000

Median, purchase loans

Down payment

22.5%

All lenders 10%

Refi rate

6.00%

30-yr fixed, conventional

Refi denial rate

6.9%

Cash-out 14.3%

Why Morgan Stanley Private Bank, N.A. denied purchase applications

Debt-to-income ratio 61.6% 85

Collateral (appraisal/property) 25.4% 35

Unverifiable information 6.5% 9

Other 3.6% 5

Credit history 2.9% 4

First reason the lender reported for each denied home-purchase application.

Where Morgan Stanley Private Bank, N.A. lends

State	Loans	Applications	Purchase denial rate	30-yr rate*	Loan costs*
California	1,119	1,226	2.4%	6.050%	$6,870
New York	616	675	2.4%	6.000%	$6,100
Florida	555	618	4.5%	6.050%	$5,410
Texas	433	478	2.3%	6.100%	$4,400
New Jersey	350	382	2.0%	6.050%	$6,830
Massachusetts	319	335	1.0%	6.050%	$5,340
Illinois	290	301	0.7%	6.200%	$6,610
Colorado	246	257	0.4%	6.050%	$3,260
Washington	210	228	0.5%	6.050%	$4,920
Georgia	201	215	2.1%	6.100%	$5,270
Virginia	187	199	1.1%	6.100%	$5,050
North Carolina	170	186	2.9%	6.050%	$4,280
Pennsylvania	157	171	0.6%	6.100%	$6,080
Connecticut	146	157	0.7%	5.950%	$7,250
Arizona	131	142	1.7%	6.200%	$5,030
Maryland	130	136	1.7%	6.000%	$5,400
Tennessee	122	135	3.2%	6.050%	$2,720
South Carolina	92	101	0.0%	6.100%	$4,390
Ohio	89	94	1.2%	6.200%	$3,220
Michigan	82	93	1.3%	6.150%	$3,860
Minnesota	81	85	1.3%	6.100%	$4,100
Wisconsin	73	79	5.8%	6.400%	$2,570
Oregon	73	77	2.8%	6.200%	$3,920
Nevada	66	75	2.9%	6.050%	$4,800
Utah	56	61	4.1%	6.050%	$4,340
Indiana	47	57	7.5%	6.150%	$2,480
Alabama	44	47	2.2%	6.100%	$3,050
Louisiana	43	49	8.5%	6.200%	$4,470
Missouri	38	42	5.4%	6.150%	$3,780
District of Columbia	37	38	2.9%	—	$6,540
Idaho	36	37	0.0%	—	$3,620
Kansas	35	37	3.0%	—	$2,670
Kentucky	33	34	3.3%	—	$3,170
New Hampshire	32	32	0.0%	—	$3,680
Rhode Island	26	27	0.0%	—	$4,180
Vermont	25	26	0.0%	—	$5,020
Maine	24	25	0.0%	—	$3,580
Hawaii	21	23	—	—	—
New Mexico	20	25	4.8%	—	—
Delaware	20	20	—	—	—
Oklahoma	19	22	0.0%	—	—
Nebraska	16	17	—	—	—
Montana	15	17	—	—	—
Mississippi	15	16	—	—	—
West Virginia	10	11	—	—	—
Arkansas	9	10	—	—	—
Iowa	8	9	—	—	—
Wyoming	5	8	—	—	—
South Dakota	5	6	—	—	—
Alaska	4	4	—	—	—
North Dakota	2	2	—	—	—

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Morgan Stanley Private Bank, N.A.'s page for that state.

Counties where Morgan Stanley Private Bank, N.A. is a top lender

County	Rank	Loans	Market share
New York County, NY	8	177	3.5%
Blaine County, ID	8	7	2.7%
Summit County, UT	10	17	2.6%
San Miguel County, CO	9	2	2.5%
Taylor County, IA	13	1	2.0%
Marin County, CA	16	42	1.9%
Westchester County, NY	15	130	1.8%
San Francisco County, CA	12	88	1.7%
Western Connecticut Planning Region, CT	17	106	1.6%
Lamoille County, VT	16	4	1.6%
Storey County, NV	21	1	1.6%
Nantucket County, MA	16	1	1.6%
Greene County, GA	13	5	1.5%
Grand County, UT	20	1	1.5%
Pitkin County, CO	15	2	1.4%

Check Morgan Stanley Private Bank, N.A. yourself

FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300GS0W0TEUQS8571.
NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
CFPB Consumer Complaint Database — search complaints by company name.
Compare your Loan Estimate from Morgan Stanley Private Bank, N.A. with similar 2025 loans.

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology