Morgan Stanley Private Bank in Maryland vs the state
2.4%Denial rate-16.41 pts vs state
2.9%Decision denial rate-21.22 pts vs state
77.3%Origination rate+21.58 pts vs state
5.95%Median rate-0.67 pts vs state
-0.28Rate spread (pts)-0.53 pts vs state
$291kMedian applicant income
194Loans originated
6Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 238 | 180 | 2.9% | 5.75% | #125 |
| 2024 | 232 | 184 | 1.3% | 6.10% | #137 |
| 2025 | 251 | 194 | 2.4% | 5.95% | #140 |
What Morgan Stanley Private Bank lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Morgan Stanley Private Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 96 | 79 | 1 | 1.0% |
| Anne Arundel County | 38 | 31 | 0 | 0.0% |
| Baltimore County | 28 | 19 | 0 | 0.0% |
| Howard County | 17 | 14 | 0 | 0.0% |
| Talbot County | 12 | 8 | 0 | 0.0% |
| Baltimore city | 11 | 11 | 0 | 0.0% |
| Worcester County | 10 | 6 | 2 | 20.0% |
| Frederick County | 8 | 5 | 1 | 12.5% |
| Carroll County | 6 | 3 | 2 | 33.3% |
| Harford County | 6 | 5 | 0 | 0.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 251 applications in 2025, of which 194 were originated and 6 denied.
2.4% of all applications, or 2.9% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Morgan Stanley Private Bank originated in Maryland in 2025 was 5.95%, against a statewide median of 6.63%.
About this data. Figures are Morgan Stanley Private Bank's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology