Morgan Stanley Private Bank in Virginia vs the state
2.2%Denial rate-13.75 pts vs state
2.5%Decision denial rate-17.79 pts vs state
83.4%Origination rate+23.92 pts vs state
5.95%Median rate-0.67 pts vs state
-0.27Rate spread (pts)-0.49 pts vs state
$325kMedian applicant income
267Loans originated
7Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 304 | 259 | 2.3% | 5.90% | #144 |
| 2024 | 292 | 230 | 3.4% | 6.14% | #161 |
| 2025 | 320 | 267 | 2.2% | 5.95% | #154 |
What Morgan Stanley Private Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Morgan Stanley Private Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 78 | 60 | 4 | 5.1% |
| Loudoun County | 36 | 31 | 0 | 0.0% |
| Arlington County | 36 | 32 | 0 | 0.0% |
| Alexandria city | 19 | 16 | 0 | 0.0% |
| Albemarle County | 15 | 11 | 1 | 6.7% |
| Chesterfield County | 12 | 11 | 0 | 0.0% |
| Henrico County | 11 | 9 | 0 | 0.0% |
| Virginia Beach city | 10 | 10 | 0 | 0.0% |
| James City County | 10 | 8 | 0 | 0.0% |
| Richmond city | 9 | 8 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 320 applications in 2025, of which 267 were originated and 7 denied.
2.2% of all applications, or 2.5% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Morgan Stanley Private Bank originated in Virginia in 2025 was 5.95%, against a statewide median of 6.63%.
About this data. Figures are Morgan Stanley Private Bank's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology