Morgan Stanley Private Bank in Pennsylvania vs the state
3.1%Denial rate-15.23 pts vs state
3.6%Decision denial rate-18.62 pts vs state
77.9%Origination rate+16.93 pts vs state
6.00%Median rate-0.63 pts vs state
-0.18Rate spread (pts)-0.42 pts vs state
$280kMedian applicant income
229Loans originated
9Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 310 | 251 | 2.3% | 5.85% | #204 |
| 2024 | 338 | 265 | 2.7% | 6.23% | #191 |
| 2025 | 294 | 229 | 3.1% | 6.00% | #225 |
What Morgan Stanley Private Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Morgan Stanley Private Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 49 | 40 | 0 | 0.0% |
| Philadelphia County | 41 | 27 | 2 | 4.9% |
| Allegheny County | 35 | 29 | 0 | 0.0% |
| Chester County | 28 | 20 | 0 | 0.0% |
| Bucks County | 22 | 18 | 1 | 4.5% |
| Delaware County | 22 | 18 | 1 | 4.5% |
| Lehigh County | 9 | 7 | 0 | 0.0% |
| Northampton County | 9 | 9 | 0 | 0.0% |
| Lancaster County | 8 | 7 | 0 | 0.0% |
| Monroe County | 8 | 5 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 294 applications in 2025, of which 229 were originated and 9 denied.
3.1% of all applications, or 3.6% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Morgan Stanley Private Bank originated in Pennsylvania in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are Morgan Stanley Private Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology