Morgan Stanley Private Bank in Wisconsin vs the state
5.3%Denial rate-8.75 pts vs state
6.2%Decision denial rate-10.21 pts vs state
78.3%Origination rate+10.14 pts vs state
6.08%Median rate-0.55 pts vs state
-0.08Rate spread (pts)-0.20 pts vs state
$236kMedian applicant income
119Loans originated
8Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 136 | 111 | 2.2% | 5.95% | #180 |
| 2024 | 151 | 122 | 3.3% | 6.20% | #171 |
| 2025 | 152 | 119 | 5.3% | 6.08% | #198 |
What Morgan Stanley Private Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Morgan Stanley Private Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Waukesha County | 29 | 22 | 3 | 10.3% |
| Milwaukee County | 16 | 15 | 0 | 0.0% |
| Dane County | 16 | 13 | 1 | 6.3% |
| Walworth County | 14 | 12 | 0 | 0.0% |
| Washington County | 9 | 9 | 0 | 0.0% |
| Ozaukee County | 8 | 7 | 0 | 0.0% |
| Door County | 7 | 7 | 0 | 0.0% |
| Vilas County | 6 | 2 | 1 | 16.7% |
| Brown County | 4 | 4 | 0 | 0.0% |
| Oneida County | 3 | 2 | 0 | 0.0% |
Other large lenders in Wisconsin
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Summit Credit Union | A | 15,483 | 13.8% | 6.75% |
| University of Wisconsin Credit Union | A | 11,781 | 13.8% | 6.50% |
| Landmark Credit Union | A | 9,393 | 17.7% | 6.50% |
| Rocket Mortgage | C | 7,819 | 18.0% | 6.63% |
| Associated Bank | B | 7,451 | 23.7% | 6.88% |
| BMO Bank | F | 5,202 | 25.3% | 8.23% |
| Educators Credit Union | B | 4,930 | 24.3% | 6.95% |
| U.S. Bank | D | 4,710 | 26.0% | 6.88% |
| Covantage Credit Union | B | 4,581 | 7.7% | 6.50% |
| United Shore Financial Services | B | 4,421 | 11.8% | 6.38% |
Frequently asked questions
Wisconsin: 152 applications in 2025, of which 119 were originated and 8 denied.
5.3% of all applications, or 6.2% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Morgan Stanley Private Bank originated in Wisconsin in 2025 was 6.08%, against a statewide median of 6.63%.
About this data. Figures are Morgan Stanley Private Bank's own HMDA filing for properties located in Wisconsin, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology