Looking for a different lender?
M
Morgan Stanley Private Bank, National Association
Bank|New York, NY|National
Loans Originated
7,167
Applications
9,227
Volume
$6 billion
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Strong
Safe Rate Awards💎Jumbo Champion💎Purchase Champion⭐Conventional Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.449%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$331
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
77.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 44.90 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Report Card
Morgan Stanley Private Bank, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | National · 50 metro areas · 51 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$899,998
Average Borrower Income
$485,121
Average Property Value
$1,394,799
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Exceptional | Sound | 4,541 | 63.4% | -0.396% | $324 |
Jumbo Loans | Exceptional | Exceptional | Exceptional | Strong | 2,626 | 36.6% | -0.557% | $345 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Exceptional | Exceptional | Exceptional | Strong | 6,568 | 91.6% | -0.460% | $344 |
Refinance | Strong | Strong | Exceptional | Strong | 599 | 8.4% | -0.295% | $157 |
Geographic Coverage
Metro Areas
49
States Served
51
Why 51? We count DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
New York, NY-NJMSA
Volume: 484Mix: 6.75%
Place Specialization
Strong
2
San Francisco, CAMSA
Volume: 152Mix: 2.12%
Place Specialization
Strong
3
Bridgeport, CTMSA
Volume: 108Mix: 1.51%
Place Specialization
Strong
4
Los Angeles, CAMSA
Volume: 276Mix: 3.85%
Place Specialization
Strong
5
San Jose, CAMSA
Volume: 137Mix: 1.91%
Place Specialization
Strong
6
Seattle, WAMSA
Volume: 160Mix: 2.23%
Place Specialization
Strong
7
Oakland, CAMSA
Volume: 140Mix: 1.95%
Place Specialization
Strong
8
San Rafael, CA, CAMSA
Volume: 44Mix: 0.61%
Place Specialization
Strong
9
West Palm Beach, FLMSA
Volume: 125Mix: 1.74%
Place Specialization
Strong
10
Nassau County, NYMSA
Volume: 148Mix: 2.07%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 1,247Mix: 17.40%
Place Specialization
Strong
2
NYState
Volume: 591Mix: 8.25%
Place Specialization
Strong
3
NJState
Volume: 372Mix: 5.19%
Place Specialization
Strong
4
FLState
Volume: 726Mix: 10.13%
Place Specialization
Strong
5
WAState
Volume: 274Mix: 3.82%
Place Specialization
Strong
6
MAState
Volume: 275Mix: 3.84%
Place Specialization
Strong
7
ILState
Volume: 295Mix: 4.12%
Place Specialization
Strong
8
COState
Volume: 227Mix: 3.17%
Place Specialization
Strong
9
TXState
Volume: 365Mix: 5.09%
Place Specialization
Strong
10
CTState
Volume: 139Mix: 1.94%
Place Specialization
Strong
Showing 10 of 47 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to Get Started?
Compare Morgan Stanley Private Bank, National Association with other lenders or get personalized recommendations.