Morgan Stanley Private Bank in Utah vs the state
5.1%Denial rate-10.88 pts vs state
5.9%Decision denial rate-13.26 pts vs state
78.0%Origination rate+14.73 pts vs state
5.84%Median rate-0.79 pts vs state
-0.21Rate spread (pts)-0.45 pts vs state
$398kMedian applicant income
138Loans originated
9Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 136 | 105 | 7.4% | 5.75% | #106 |
| 2024 | 152 | 120 | 2.6% | 5.99% | #104 |
| 2025 | 177 | 138 | 5.1% | 5.84% | #107 |
What Morgan Stanley Private Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Morgan Stanley Private Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Summit County | 61 | 45 | 5 | 8.2% |
| Salt Lake County | 46 | 35 | 1 | 2.2% |
| Wasatch County | 30 | 27 | 1 | 3.3% |
| Washington County | 11 | 8 | 1 | 9.1% |
| Utah County | 10 | 7 | 1 | 10.0% |
| Davis County | 6 | 5 | 0 | 0.0% |
| Weber County | 6 | 5 | 0 | 0.0% |
| Morgan County | 1 | 1 | 0 | 0.0% |
| Kane County | 1 | 0 | 0 | 0.0% |
| Tooele County | 1 | 1 | 0 | 0.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 177 applications in 2025, of which 138 were originated and 9 denied.
5.1% of all applications, or 5.9% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Morgan Stanley Private Bank originated in Utah in 2025 was 5.84%, against a statewide median of 6.63%.
About this data. Figures are Morgan Stanley Private Bank's own HMDA filing for properties located in Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology