Morgan Stanley Private Bank in Oregon vs the state
3.1%Denial rate-12.22 pts vs state
3.8%Decision denial rate-15.34 pts vs state
75.3%Origination rate+14.69 pts vs state
5.98%Median rate-0.78 pts vs state
-0.16Rate spread (pts)-0.44 pts vs state
$248kMedian applicant income
122Loans originated
5Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 181 | 145 | 6.6% | 5.85% | #113 |
| 2024 | 165 | 129 | 2.4% | 6.10% | #119 |
| 2025 | 162 | 122 | 3.1% | 5.98% | #137 |
What Morgan Stanley Private Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Morgan Stanley Private Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 43 | 33 | 1 | 2.3% |
| Deschutes County | 32 | 28 | 0 | 0.0% |
| Washington County | 22 | 16 | 0 | 0.0% |
| Clackamas County | 19 | 12 | 0 | 0.0% |
| Lane County | 10 | 6 | 0 | 0.0% |
| Clatsop County | 9 | 8 | 1 | 11.1% |
| Marion County | 8 | 6 | 0 | 0.0% |
| Yamhill County | 4 | 3 | 0 | 0.0% |
| Lincoln County | 3 | 3 | 0 | 0.0% |
| Jackson County | 3 | 1 | 1 | 33.3% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 162 applications in 2025, of which 122 were originated and 5 denied.
3.1% of all applications, or 3.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Morgan Stanley Private Bank originated in Oregon in 2025 was 5.98%, against a statewide median of 6.75%.
About this data. Figures are Morgan Stanley Private Bank's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology