Morgan Stanley Private Bank in North Carolina vs the state
3.4%Denial rate-14.63 pts vs state
4.0%Decision denial rate-18.86 pts vs state
79.4%Origination rate+21.61 pts vs state
5.95%Median rate-0.55 pts vs state
-0.16Rate spread (pts)-0.25 pts vs state
$304kMedian applicant income
301Loans originated
13Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 365 | 298 | 2.5% | 5.75% | #140 |
| 2024 | 374 | 287 | 2.7% | 6.05% | #152 |
| 2025 | 379 | 301 | 3.4% | 5.95% | #164 |
What Morgan Stanley Private Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Morgan Stanley Private Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 72 | 63 | 2 | 2.8% |
| Wake County | 62 | 54 | 2 | 3.2% |
| Buncombe County | 24 | 18 | 3 | 12.5% |
| Durham County | 16 | 12 | 1 | 6.3% |
| New Hanover County | 16 | 9 | 0 | 0.0% |
| Brunswick County | 14 | 10 | 0 | 0.0% |
| Iredell County | 13 | 10 | 0 | 0.0% |
| Moore County | 13 | 9 | 0 | 0.0% |
| Dare County | 13 | 10 | 0 | 0.0% |
| Jackson County | 12 | 9 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 379 applications in 2025, of which 301 were originated and 13 denied.
3.4% of all applications, or 4.0% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Morgan Stanley Private Bank originated in North Carolina in 2025 was 5.95%, against a statewide median of 6.50%.
About this data. Figures are Morgan Stanley Private Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology