Morgan Stanley Private Bank in Florida vs the state
5.9%Denial rate-15.19 pts vs state
7.4%Decision denial rate-19.86 pts vs state
69.2%Origination rate+16.54 pts vs state
5.93%Median rate-0.70 pts vs state
-0.16Rate spread (pts)-0.43 pts vs state
$382kMedian applicant income
990Loans originated
84Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,656 | 1,170 | 6.6% | 5.75% | #96 |
| 2024 | 1,534 | 1,099 | 6.3% | 6.10% | #104 |
| 2025 | 1,430 | 990 | 5.9% | 5.93% | #115 |
What Morgan Stanley Private Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Morgan Stanley Private Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 268 | 190 | 15 | 5.6% |
| Miami-Dade County | 229 | 127 | 28 | 12.2% |
| Broward County | 112 | 79 | 5 | 4.5% |
| Collier County | 95 | 69 | 4 | 4.2% |
| Pinellas County | 72 | 49 | 4 | 5.6% |
| Lee County | 66 | 47 | 3 | 4.5% |
| Hillsborough County | 64 | 49 | 5 | 7.8% |
| Sarasota County | 61 | 47 | 1 | 1.6% |
| Orange County | 43 | 28 | 3 | 7.0% |
| Duval County | 41 | 30 | 2 | 4.9% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 1,430 applications in 2025, of which 990 were originated and 84 denied.
5.9% of all applications, or 7.4% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Morgan Stanley Private Bank originated in Florida in 2025 was 5.93%, against a statewide median of 6.63%.
About this data. Figures are Morgan Stanley Private Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology