Morgan Stanley Private Bank, National Association mortgage approval rate & lending review
Morgan Stanley Private Bank, National Association decided 25,223 mortgage applications and funded 22,420 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Morgan Stanley Private Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Morgan Stanley Private Bank, National Association at a glance
Approval is 10.5 points above the 85.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 17,839 / 18,299 | 93% | $785K | 16,567 |
| Home improvement loans | 83% | 469 / 568 | 90% | $395K | 424 |
| Cash-out refinance | 86% | 868 / 1,010 | 91% | $805K | 790 |
| Refinance | 92% | 1,069 / 1,156 | 94% | $965K | 1,000 |
| Investment property purchase | 95% | 3,362 / 3,521 | 93% | $705K | 3,129 |
| Investment cash-out refinance | 83% | 188 / 227 | 95% | $705K | 179 |
| Investment refinance | 83% | 260 / 312 | 92% | $795K | 238 |
| Investment home improvement | 79% | 103 / 130 | 90% | $515K | 93 |
Morgan Stanley Private Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 94% | $1.29M | 4,711 | 4,100 |
| Florida | 93% | $735K | 2,886 | 2,480 |
| New York | 95% | $895K | 2,562 | 2,263 |
| New Jersey | 96% | $785K | 1,531 | 1,367 |
| Texas | 95% | $905K | 1,438 | 1,273 |
| Illinois | 98% | $605K | 1,044 | 943 |
| Massachusetts | 97% | $805K | 1,031 | 947 |
| Washington | 97% | $965K | 807 | 741 |
| Georgia | 97% | $675K | 722 | 646 |
| Colorado | 98% | $745K | 701 | 650 |
| Pennsylvania | 97% | $575K | 655 | 584 |
| Arizona | 97% | $785K | 644 | 582 |
| North Carolina | 98% | $655K | 602 | 545 |
| Virginia | 97% | $835K | 512 | 469 |
| South Carolina | 96% | $705K | 421 | 374 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Morgan Stanley Private Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Mortgage lenders | 96% | 761 | 654 |
| Cook County, IL | Mortgage lenders | 99% | 553 | 509 |
| New York County, NY | Mortgage lenders | 97% | 505 | 442 |
| Westchester County, NY | Mortgage lenders | 99% | 410 | 388 |
| King County, WA | Mortgage lenders | 99% | 392 | 366 |
| Palm Beach County, FL | Mortgage lenders | 95% | 349 | 306 |
| Nassau County, NY | Mortgage lenders | 97% | 304 | 275 |
| San Diego County, CA | Mortgage lenders | 98% | 311 | 273 |
| Santa Clara County, CA | Mortgage lenders | 97% | 302 | 266 |
| Middlesex County, MA | Mortgage lenders | 98% | 257 | 245 |
| Fulton County, GA | Mortgage lenders | 99% | 251 | 225 |
| Orange County, CA | Mortgage lenders | 96% | 261 | 217 |
The county markets where Morgan Stanley Private Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Morgan Stanley Private Bank, National Association
What is Morgan Stanley Private Bank, National Association's mortgage approval rate?
Morgan Stanley Private Bank, National Association approved 95.8% of the 25,223 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.5 points above the 85.3% national rate for the same mix of loan types.
How often do borrowers take the loan Morgan Stanley Private Bank, National Association offers?
Borrowers accepted 93% of the loans Morgan Stanley Private Bank, National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Morgan Stanley Private Bank, National Association make?
The typical home purchase mortgage loan Morgan Stanley Private Bank, National Association made was $785K; across all loan types its typical loan ran from $395K to $965K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Morgan Stanley Private Bank, National Association lend?
Morgan Stanley Private Bank, National Association decided applications in 51 of the states Fat Boy Data covers, most of them in California, Florida and New York.
Can I apply to Morgan Stanley Private Bank, National Association directly?
Yes. Morgan Stanley Private Bank, National Association is a bank or credit union with 1 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Morgan Stanley Private Bank, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Morgan Stanley Private Bank, National Association treats applications, then get a rate quote from the lender.