Morgan Stanley Private Bank in Vermont vs the state
1.8%Denial rate-13.07 pts vs state
2.0%Decision denial rate-16.07 pts vs state
84.2%Origination rate+19.34 pts vs state
5.83%Median rate-0.88 pts vs state
-0.18Rate spread (pts)-0.30 pts vs state
$288kMedian applicant income
48Loans originated
1Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 60 | 49 | 6.7% | 5.90% | #53 |
| 2024 | 66 | 53 | 1.5% | 6.05% | #52 |
| 2025 | 57 | 48 | 1.8% | 5.83% | #55 |
What Morgan Stanley Private Bank lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Morgan Stanley Private Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 16 | 13 | 0 | 0.0% |
| Windham County | 10 | 10 | 0 | 0.0% |
| Bennington County | 7 | 3 | 1 | 14.3% |
| Washington County | 6 | 5 | 0 | 0.0% |
| Lamoille County | 6 | 6 | 0 | 0.0% |
| Windsor County | 6 | 5 | 0 | 0.0% |
| Orleans County | 2 | 2 | 0 | 0.0% |
| Rutland County | 2 | 2 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Grand Isle County | 1 | 1 | 0 | 0.0% |
Other large lenders in Vermont
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Eastrise Federal Credit Union | A | 3,529 | 5.1% | 6.50% |
| Rocket Mortgage | C | 1,165 | 22.0% | 6.75% |
| North Country | C | 1,135 | 9.5% | 7.25% |
| Vermont Federal Credit Union | A | 1,003 | 12.0% | 6.75% |
| Citizens Bank | C | 826 | 38.9% | 7.65% |
| Emm Loans | B | 761 | 1.5% | 6.63% |
| Mascoma Bank | B | 717 | 16.5% | 6.75% |
| Union Bank | B | 641 | 4.5% | 6.63% |
| Manufacturers and Traders Trust | C | 617 | 30.8% | 5.99% |
| Community Bank | D | 607 | 13.3% | 7.00% |
Frequently asked questions
Vermont: 57 applications in 2025, of which 48 were originated and 1 denied.
1.8% of all applications, or 2.0% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Morgan Stanley Private Bank originated in Vermont in 2025 was 5.83%, against a statewide median of 6.71%.
About this data. Figures are Morgan Stanley Private Bank's own HMDA filing for properties located in Vermont, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology