Morgan Stanley Private Bank in New York vs the state
4.7%Denial rate-15.07 pts vs state
5.6%Decision denial rate-18.47 pts vs state
73.8%Origination rate+14.22 pts vs state
5.80%Median rate-0.83 pts vs state
-0.26Rate spread (pts)-0.47 pts vs state
$487kMedian applicant income
947Loans originated
60Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,151 | 884 | 4.5% | 5.60% | #68 |
| 2024 | 1,204 | 923 | 5.6% | 5.98% | #63 |
| 2025 | 1,283 | 947 | 4.7% | 5.80% | #67 |
What Morgan Stanley Private Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Morgan Stanley Private Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New York County | 367 | 259 | 10 | 2.7% |
| Suffolk County | 233 | 171 | 10 | 4.3% |
| Westchester County | 194 | 155 | 8 | 4.1% |
| Nassau County | 151 | 118 | 6 | 4.0% |
| Kings County | 141 | 99 | 9 | 6.4% |
| Queens County | 33 | 27 | 2 | 6.1% |
| Greene County | 19 | 9 | 8 | 42.1% |
| Rockland County | 15 | 11 | 0 | 0.0% |
| Dutchess County | 15 | 13 | 0 | 0.0% |
| Ulster County | 11 | 7 | 2 | 18.2% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 1,283 applications in 2025, of which 947 were originated and 60 denied.
4.7% of all applications, or 5.6% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Morgan Stanley Private Bank originated in New York in 2025 was 5.80%, against a statewide median of 6.63%.
About this data. Figures are Morgan Stanley Private Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology