Morgan Stanley Private Bank in Kentucky vs the state
3.5%Denial rate-15.30 pts vs state
4.1%Decision denial rate-19.41 pts vs state
82.5%Origination rate+24.42 pts vs state
5.95%Median rate-0.80 pts vs state
0.01Rate spread (pts)-0.30 pts vs state
$200kMedian applicant income
47Loans originated
2Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 64 | 47 | 3.1% | 5.85% | #214 |
| 2024 | 43 | 33 | 4.7% | 6.30% | #258 |
| 2025 | 57 | 47 | 3.5% | 5.95% | #253 |
What Morgan Stanley Private Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Morgan Stanley Private Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 24 | 20 | 1 | 4.2% |
| Fayette County | 7 | 6 | 0 | 0.0% |
| Kenton County | 4 | 3 | 0 | 0.0% |
| Campbell County | 4 | 3 | 0 | 0.0% |
| Shelby County | 3 | 3 | 0 | 0.0% |
| Boone County | 3 | 2 | 0 | 0.0% |
| Warren County | 2 | 2 | 0 | 0.0% |
| Oldham County | 2 | 2 | 0 | 0.0% |
| Mercer County | 1 | 0 | 0 | 0.0% |
| Trigg County | 1 | 1 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 57 applications in 2025, of which 47 were originated and 2 denied.
3.5% of all applications, or 4.1% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Morgan Stanley Private Bank originated in Kentucky in 2025 was 5.95%, against a statewide median of 6.75%.
About this data. Figures are Morgan Stanley Private Bank's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology