Morgan Stanley Private Bank in Alabama vs the state
3.3%Denial rate-16.52 pts vs state
3.9%Decision denial rate-21.12 pts vs state
79.2%Origination rate+23.78 pts vs state
6.00%Median rate-0.50 pts vs state
-0.19Rate spread (pts)-0.48 pts vs state
$266kMedian applicant income
95Loans originated
4Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 145 | 126 | 4.1% | 5.88% | #163 |
| 2024 | 135 | 115 | 0.7% | 6.10% | #186 |
| 2025 | 120 | 95 | 3.3% | 6.00% | #204 |
What Morgan Stanley Private Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Morgan Stanley Private Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 27 | 24 | 0 | 0.0% |
| Baldwin County | 20 | 16 | 1 | 5.0% |
| Madison County | 14 | 9 | 1 | 7.1% |
| Lee County | 10 | 7 | 0 | 0.0% |
| Tuscaloosa County | 9 | 7 | 0 | 0.0% |
| Shelby County | 9 | 8 | 0 | 0.0% |
| Tallapoosa County | 6 | 6 | 0 | 0.0% |
| Elmore County | 5 | 4 | 1 | 20.0% |
| Mobile County | 4 | 3 | 0 | 0.0% |
| Winston County | 3 | 2 | 1 | 33.3% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 120 applications in 2025, of which 95 were originated and 4 denied.
3.3% of all applications, or 3.9% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Morgan Stanley Private Bank originated in Alabama in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are Morgan Stanley Private Bank's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology