# Morgan Stanley Private Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/morgan-stanley-private-bank-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Morgan Stanley Private Bank, National Association is a bank, headquartered in New York, NY, serving borrowers nationwide, with 7,167 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 6% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 34% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300GS0W0TEUQS8571
- **Headquarters:** New York, NY
- **Geographic Reach:** National
- **States Served:** 51
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 94/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.449%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $331
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 7,167
- **Dollar Volume:** $6.5 billion
- **Applications Received:** 9,227
- **Market Share:** 20.00%

## Typical Borrower Profile

- **Average Loan Amount:** $899,998
- **Average Borrower Income:** $485,121
- **Average Property Value:** $1,394,799

## Safe Rate Awards 🏆

- 💎 **Jumbo Diamond Champion** (84%)
- 💎 **Purchase Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 74/100 | 4,541 | -0.396% | $324 | Strong 😀 |
| Jumbo | 95/100 | 2,626 | -0.557% | $345 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 4,162 loans, Score: 73/100 (Strong)
- Refinance: 379 loans, Score: 68/100 (Strong)

**Jumbo:**
- Purchase: 2,406 loans, Score: 96/100 (Exceptional)
- Refinance: 220 loans, Score: 90/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 81/100 | 6,568 | $5.9B | -0.460% | Exceptional 🤩 |
| Refinance | 71/100 | 599 | $571M | -0.295% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 1,247 | 0.44% | 78/100 |
| FL | 726 | 0.25% | 72/100 |
| NY | 591 | 0.52% | 77/100 |
| NJ | 372 | 0.43% | 75/100 |
| TX | 365 | 0.10% | 65/100 |
| IL | 295 | 0.24% | 69/100 |
| MA | 275 | 0.46% | 70/100 |
| WA | 274 | 0.32% | 71/100 |
| CO | 227 | 0.27% | 66/100 |
| GA | 217 | 0.16% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 553 | 68/100 |
| New York | NY-NJ | 484 | 80/100 |
| Los Angeles | CA | 276 | 73/100 |
| Chicago | IL | 221 | 68/100 |
| Seattle | WA | 160 | 71/100 |
| San Francisco | CA | 152 | 79/100 |
| Nassau County | NY | 148 | 69/100 |
| Oakland | CA | 140 | 71/100 |
| San Jose | CA | 137 | 71/100 |
| West Palm Beach | FL | 125 | 69/100 |
| Phoenix | AZ | 124 | 61/100 |
| Atlanta | GA | 123 | 63/100 |
| Lakewood | NJ | 120 | 68/100 |
| Denver | CO | 116 | 62/100 |
| Cambridge | MA | 113 | 65/100 |

## Where This Lender Ranks

Morgan Stanley Private Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in United States
  - [View Full Rankings](https://saferate.com/national/best-mortgage-lenders)
- 🥇 **#1** in United States Banks
  - [View Full Rankings](https://saferate.com/national/best-mortgage-lenders/banks)
- 🥇 **#1** in Florida Banks
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/banks)
- 🥇 **#1** in Colorado Banks
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/banks)
- 🥇 **#1** in West Palm Beach Banks
  - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/banks)
- 🥇 **#1** in Denver Banks
  - [View Full Rankings](https://saferate.com/denver/best-mortgage-lenders/banks)
- 🥇 **#1** in North Port Banks
  - [View Full Rankings](https://saferate.com/north-port/best-mortgage-lenders/banks)
- 🥇 **#1** in Washington DC
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders)
- 🥇 **#1** in Washington DC Banks
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/banks)
- 🥇 **#1** in Naples Banks
  - [View Full Rankings](https://saferate.com/naples/best-mortgage-lenders/banks)
- 🥇 **#1** in Boulder, CO Banks
  - [View Full Rankings](https://saferate.com/boulder-co/best-mortgage-lenders/banks)
- 🥇 **#1** in Santa Fe, NM for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in West Palm Beach
  - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders)
- 🥈 **#2** in Arlington
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders)
- 🥈 **#2** in Arlington Banks
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/banks)
- 🥈 **#2** in San Diego Banks
  - [View Full Rankings](https://saferate.com/san-diego/best-mortgage-lenders/banks)
- 🥈 **#2** in Oregon Banks
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/banks)
- 🥈 **#2** in Anaheim Banks
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/banks)
- 🥈 **#2** in San Rafael, CA
  - [View Full Rankings](https://saferate.com/san-rafael-ca/best-mortgage-lenders)
- 🥈 **#2** in San Rafael, CA Banks
  - [View Full Rankings](https://saferate.com/san-rafael-ca/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does Morgan Stanley Private Bank, National Association offer?

Morgan Stanley Private Bank, National Association offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Morgan Stanley Private Bank, National Association offer mortgages?

Morgan Stanley Private Bank, National Association is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Morgan Stanley Private Bank, National Association's mortgage rates?

Morgan Stanley Private Bank, National Association has a pricing score of 94/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.449% below market average.

### What type of lender is Morgan Stanley Private Bank, National Association?

Morgan Stanley Private Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in New York, NY.

### What is Morgan Stanley Private Bank, National Association's loan approval success rate?

Morgan Stanley Private Bank, National Association has a pull-through score of 66/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/morgan-stanley-private-bank-national-association

### How to Cite

> "Morgan Stanley Private Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/morgan-stanley-private-bank-national-association

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