Morgan Stanley Private Bank in California vs the state
5.2%Denial rate-12.21 pts vs state
6.3%Decision denial rate-16.12 pts vs state
73.9%Origination rate+17.68 pts vs state
5.80%Median rate-0.83 pts vs state
-0.19Rate spread (pts)-0.47 pts vs state
$461kMedian applicant income
1,957Loans originated
138Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,169 | 1,615 | 5.4% | 5.75% | #72 |
| 2024 | 2,700 | 1,989 | 4.7% | 5.95% | #65 |
| 2025 | 2,649 | 1,957 | 5.2% | 5.80% | #74 |
What Morgan Stanley Private Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Morgan Stanley Private Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 617 | 427 | 41 | 6.6% |
| Santa Clara County | 272 | 191 | 9 | 3.3% |
| Orange County | 247 | 171 | 21 | 8.5% |
| San Diego County | 238 | 177 | 9 | 3.8% |
| San Francisco County | 169 | 144 | 3 | 1.8% |
| San Mateo County | 163 | 119 | 7 | 4.3% |
| Contra Costa County | 114 | 90 | 6 | 5.3% |
| Alameda County | 103 | 82 | 3 | 2.9% |
| Marin County | 102 | 82 | 5 | 4.9% |
| Riverside County | 88 | 64 | 3 | 3.4% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 2,649 applications in 2025, of which 1,957 were originated and 138 denied.
5.2% of all applications, or 6.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Morgan Stanley Private Bank originated in California in 2025 was 5.80%, against a statewide median of 6.63%.
About this data. Figures are Morgan Stanley Private Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology