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We analyzed every closed loan from Morgan Stanley Private Bank National Association — 7.2k loans across 9k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Exceptional
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
Conventional · Jumbo
Place
Strong
National · 49 mkts
Safe Rate Awards💎Jumbo Champion💎Purchase Champion⭐Conventional Superstar⭐Refinance Superstar
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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
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Report Card
Morgan Stanley Private Bank, National Association performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Market Leader Rates 44.9 bps below market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
Jumbo | Market Leader Top 5% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 4,541 | 63.4% | -0.396%Below | $324Fees | ||||
Jumbo Loans | 2,626 | 36.6% | -0.557%Below | $345Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 6,568 | 91.6% | -0.460%Below | $344Fees | ||||
Refinance | 599 | 8.4% | -0.295%Below | $157Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
7,167
Applications
9,227
Volume
$6 billion
Pricing & Closing
Avg Rate Spread
-0.449%
vs. market APOR
Avg Net Fees
$331
Origination − Credits
Pullthrough Rate
77.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$899,998
Avg Borrower Income
$485,121
Avg Property Value
$1,394,799
Geographic Coverage
Geographic Performance
Metro Areas
49
States Served
51
Why 51? We count DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
New York, NY-NJMSA
Volume: 484Mix: 6.75%of portfolio
Place
Strong2
San Francisco, CAMSA
Volume: 152Mix: 2.12%of portfolio
Place
Strong3
Bridgeport, CTMSA
Volume: 108Mix: 1.51%of portfolio
Place
Strong4
Los Angeles, CAMSA
Volume: 276Mix: 3.85%of portfolio
Place
Strong5
San Jose, CAMSA
Volume: 137Mix: 1.91%of portfolio
Place
Strong6
Seattle, WAMSA
Volume: 160Mix: 2.23%of portfolio
Place
Strong7
Oakland, CAMSA
Volume: 140Mix: 1.95%of portfolio
Place
Strong8
San Rafael, CA, CAMSA
Volume: 44Mix: 0.61%of portfolio
Place
Strong9
West Palm Beach, FLMSA
Volume: 125Mix: 1.74%of portfolio
Place
Strong10
Nassau County, NYMSA
Volume: 148Mix: 2.07%of portfolio
Place
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 1,247Mix: 17.40%of portfolio
Place
Strong2
NYState
Volume: 591Mix: 8.25%of portfolio
Place
Strong3
NJState
Volume: 372Mix: 5.19%of portfolio
Place
Strong4
FLState
Volume: 726Mix: 10.13%of portfolio
Place
Strong5
WAState
Volume: 274Mix: 3.82%of portfolio
Place
Strong6
MAState
Volume: 275Mix: 3.84%of portfolio
Place
Strong7
ILState
Volume: 295Mix: 4.12%of portfolio
Place
Strong8
COState
Volume: 227Mix: 3.17%of portfolio
Place
Strong9
TXState
Volume: 365Mix: 5.09%of portfolio
Place
Strong10
CTState
Volume: 139Mix: 1.94%of portfolio
Place
StrongShowing 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.
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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.