Morgan Stanley Private Bank in Colorado vs the state
1.9%Denial rate-13.76 pts vs state
2.2%Decision denial rate-17.45 pts vs state
79.7%Origination rate+19.64 pts vs state
5.85%Median rate-0.78 pts vs state
-0.23Rate spread (pts)-0.38 pts vs state
$313kMedian applicant income
427Loans originated
10Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 484 | 382 | 3.3% | 5.75% | #100 |
| 2024 | 477 | 375 | 1.7% | 6.05% | #101 |
| 2025 | 536 | 427 | 1.9% | 5.85% | #101 |
What Morgan Stanley Private Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Morgan Stanley Private Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denver County | 105 | 88 | 0 | 0.0% |
| Boulder County | 73 | 53 | 1 | 1.4% |
| Jefferson County | 53 | 42 | 0 | 0.0% |
| Eagle County | 36 | 26 | 2 | 5.6% |
| Arapahoe County | 33 | 29 | 1 | 3.0% |
| Douglas County | 28 | 21 | 1 | 3.6% |
| El Paso County | 26 | 25 | 0 | 0.0% |
| Larimer County | 25 | 18 | 0 | 0.0% |
| Summit County | 24 | 21 | 0 | 0.0% |
| Pitkin County | 20 | 13 | 4 | 20.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 536 applications in 2025, of which 427 were originated and 10 denied.
1.9% of all applications, or 2.2% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Morgan Stanley Private Bank originated in Colorado in 2025 was 5.85%, against a statewide median of 6.63%.
About this data. Figures are Morgan Stanley Private Bank's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology