Morgan Stanley Private Bank in Montana vs the state
12.0%Denial rate-2.82 pts vs state
13.0%Decision denial rate-5.66 pts vs state
78.0%Origination rate+16.02 pts vs state
5.95%Median rate-0.67 pts vs state
-0.19Rate spread (pts)-0.43 pts vs state
$358kMedian applicant income
39Loans originated
6Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 70 | 60 | 2.9% | 5.75% | #69 |
| 2024 | 64 | 50 | 6.3% | 5.93% | #75 |
| 2025 | 50 | 39 | 12.0% | 5.95% | #100 |
What Morgan Stanley Private Bank lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Morgan Stanley Private Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gallatin County | 15 | 11 | 3 | 20.0% |
| Flathead County | 10 | 7 | 0 | 0.0% |
| Madison County | 9 | 6 | 2 | 22.2% |
| Ravalli County | 3 | 3 | 0 | 0.0% |
| Yellowstone County | 3 | 3 | 0 | 0.0% |
| Park County | 3 | 2 | 1 | 33.3% |
| Missoula County | 2 | 2 | 0 | 0.0% |
| Carbon County | 1 | 1 | 0 | 0.0% |
| Lake County | 1 | 1 | 0 | 0.0% |
| Silver Bow County | 1 | 1 | 0 | 0.0% |
Other large lenders in Montana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Glacier Bank | D | 3,018 | 16.2% | 7.25% |
| Stockman Bank of Montana | B | 2,911 | 6.3% | 6.88% |
| Rocket Mortgage | C | 1,999 | 17.5% | 6.75% |
| United Shore Financial Services | B | 1,857 | 9.2% | 6.25% |
| Opportunity Bank of Montana | B | 1,608 | 9.8% | 6.88% |
| Evergreen Moneysource Mortgage | B | 1,158 | 1.1% | 6.25% |
| U.S. Bank | D | 1,024 | 27.1% | 7.13% |
| First Interstate Bank | D | 987 | 22.9% | 8.25% |
| Mortgage Research Center | C | 940 | 16.7% | 6.13% |
| Crosscountry Mortgage | B | 920 | 5.1% | 6.63% |
Frequently asked questions
Montana: 50 applications in 2025, of which 39 were originated and 6 denied.
12.0% of all applications, or 13.0% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Morgan Stanley Private Bank originated in Montana 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 Montana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology