Morgan Stanley Private Bank in Ohio vs the state
2.5%Denial rate-15.16 pts vs state
3.1%Decision denial rate-18.84 pts vs state
77.2%Origination rate+17.32 pts vs state
6.00%Median rate-0.88 pts vs state
-0.16Rate spread (pts)-0.55 pts vs state
$284kMedian applicant income
122Loans originated
4Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 186 | 154 | 2.7% | 6.05% | #231 |
| 2024 | 168 | 134 | 1.2% | 6.35% | #242 |
| 2025 | 158 | 122 | 2.5% | 6.00% | #268 |
What Morgan Stanley Private Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Morgan Stanley Private Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 29 | 23 | 1 | 3.4% |
| Hamilton County | 26 | 19 | 0 | 0.0% |
| Franklin County | 25 | 20 | 0 | 0.0% |
| Butler County | 10 | 6 | 1 | 10.0% |
| Delaware County | 10 | 9 | 0 | 0.0% |
| Montgomery County | 7 | 4 | 0 | 0.0% |
| Summit County | 6 | 6 | 0 | 0.0% |
| Geauga County | 5 | 4 | 0 | 0.0% |
| Ottawa County | 4 | 3 | 0 | 0.0% |
| Mahoning County | 4 | 4 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 158 applications in 2025, of which 122 were originated and 4 denied.
2.5% of all applications, or 3.1% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Morgan Stanley Private Bank originated in Ohio in 2025 was 6.00%, against a statewide median of 6.88%.
About this data. Figures are Morgan Stanley Private Bank's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology