Morgan Stanley Private Bank in Texas vs the state
4.9%Denial rate-14.54 pts vs state
5.9%Decision denial rate-19.03 pts vs state
73.8%Origination rate+18.87 pts vs state
5.90%Median rate-0.60 pts vs state
-0.20Rate spread (pts)-0.39 pts vs state
$370kMedian applicant income
573Loans originated
38Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 741 | 583 | 5.0% | 5.75% | #198 |
| 2024 | 673 | 502 | 4.9% | 6.05% | #210 |
| 2025 | 777 | 573 | 4.9% | 5.90% | #194 |
What Morgan Stanley Private Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Morgan Stanley Private Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 163 | 117 | 8 | 4.9% |
| Travis County | 126 | 100 | 2 | 1.6% |
| Dallas County | 111 | 79 | 10 | 9.0% |
| Tarrant County | 52 | 40 | 2 | 3.8% |
| Collin County | 43 | 30 | 1 | 2.3% |
| Denton County | 40 | 30 | 4 | 10.0% |
| Montgomery County | 32 | 23 | 2 | 6.3% |
| Bexar County | 25 | 19 | 0 | 0.0% |
| Fort Bend County | 16 | 14 | 0 | 0.0% |
| Williamson County | 13 | 9 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 777 applications in 2025, of which 573 were originated and 38 denied.
4.9% of all applications, or 5.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Morgan Stanley Private Bank originated in Texas in 2025 was 5.90%, against a statewide median of 6.50%.
About this data. Figures are Morgan Stanley Private Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology