Morgan Stanley Private Bank in Georgia vs the state
4.8%Denial rate-14.47 pts vs state
5.7%Decision denial rate-19.40 pts vs state
76.5%Origination rate+22.39 pts vs state
5.90%Median rate-0.72 pts vs state
-0.16Rate spread (pts)-0.43 pts vs state
$318kMedian applicant income
322Loans originated
20Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 466 | 372 | 2.8% | 5.85% | #135 |
| 2024 | 408 | 314 | 2.7% | 6.05% | #157 |
| 2025 | 421 | 322 | 4.8% | 5.90% | #167 |
What Morgan Stanley Private Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Morgan Stanley Private Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 140 | 110 | 7 | 5.0% |
| DeKalb County | 60 | 44 | 0 | 0.0% |
| Cobb County | 43 | 35 | 2 | 4.7% |
| Cherokee County | 18 | 15 | 0 | 0.0% |
| Forsyth County | 17 | 12 | 0 | 0.0% |
| Gwinnett County | 15 | 10 | 1 | 6.7% |
| Chatham County | 14 | 12 | 0 | 0.0% |
| Greene County | 12 | 11 | 1 | 8.3% |
| Glynn County | 11 | 10 | 0 | 0.0% |
| Fannin County | 9 | 9 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 421 applications in 2025, of which 322 were originated and 20 denied.
4.8% of all applications, or 5.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Morgan Stanley Private Bank originated in Georgia in 2025 was 5.90%, against a statewide median of 6.63%.
About this data. Figures are Morgan Stanley Private Bank's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology