Morgan Stanley Private Bank in Minnesota vs the state
5.0%Denial rate-8.60 pts vs state
5.9%Decision denial rate-10.42 pts vs state
74.4%Origination rate+8.01 pts vs state
6.00%Median rate-0.63 pts vs state
-0.18Rate spread (pts)-0.43 pts vs state
$250kMedian applicant income
119Loans originated
8Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 130 | 105 | 3.1% | 5.95% | #157 |
| 2024 | 134 | 109 | 1.5% | 6.20% | #162 |
| 2025 | 160 | 119 | 5.0% | 6.00% | #157 |
What Morgan Stanley Private Bank lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Morgan Stanley Private Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 86 | 68 | 2 | 2.3% |
| Washington County | 13 | 11 | 0 | 0.0% |
| Carver County | 10 | 8 | 0 | 0.0% |
| Ramsey County | 9 | 6 | 2 | 22.2% |
| Anoka County | 7 | 3 | 1 | 14.3% |
| Dakota County | 7 | 5 | 0 | 0.0% |
| Crow Wing County | 3 | 2 | 0 | 0.0% |
| Douglas County | 2 | 2 | 0 | 0.0% |
| Le Sueur County | 2 | 0 | 1 | 50.0% |
| Cass County | 2 | 2 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 160 applications in 2025, of which 119 were originated and 8 denied.
5.0% of all applications, or 5.9% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Morgan Stanley Private Bank originated in Minnesota in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are Morgan Stanley Private Bank's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology