Morgan Stanley Private Bank Mortgage Rates, Fees & Info
New York, NYLEI: 549300GS0W0TEUQS8571
Tax ID: 22-3458456
5 stars
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Overview
Morgan Stanley Private Bank is a large bank specializing in Home Purchase, Refi, and Other loans. Morgan Stanley Private Bank has a high proportion of conventional loans. Their top markets include New York, Los Angeles, San Francisco, Miami, and Boston among others. Morgan Stanley Private Bank has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Morgan Stanley Private Bank is typically an average fee lendor.Originations
13,271Origination Dollar Volume (All Markets)
$15,857,025,000Employee count
964Awards
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Morgan Stanley Private Bank - 2021
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For 2021, less than of lenders were eligible for this award.
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Relative Rate
Morgan Stanley Private Bank's average 30 year fixed rate mortgage of loans were
2.69%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.46%.
Relative Fees
Morgan Stanley Private Bank's average total fees for a 30 year fixed rate
mortgage are $5,735.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1,757 | $2,305,705,000 | $1,312,297 | $6,911 | 2.67% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1,237 | $2,037,465,000 | $1,647,102 | $5,777 | 2.70% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 850 | $1,171,670,000 | $1,378,435 | $4,646 | 2.75% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 674 | $995,640,000 | $1,477,211 | $8,890 | 2.63% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 399 | $429,395,000 | $1,076,178 | $5,016 | 2.69% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 299 | $406,325,000 | $1,358,946 | $4,492 | 2.71% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 288 | $403,030,000 | $1,399,410 | $6,658 | 2.65% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 399 | $388,765,000 | $974,348 | $4,833 | 2.72% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 333 | $379,665,000 | $1,140,135 | $4,568 | 2.71% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 290 | $370,080,000 | $1,276,138 | $5,129 | 2.73% |
| Outside of Metro Areas | 286 | $324,820,000 | $1,135,734 | $5,914 | 2.67% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 289 | $315,215,000 | $1,090,709 | $5,255 | 2.71% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 350 | $295,240,000 | $843,543 | $4,684 | 2.72% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 294 | $238,940,000 | $812,721 | $4,417 | 2.74% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 203 | $231,735,000 | $1,141,552 | $8,278 | 2.73% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 191 | $206,075,000 | $1,078,927 | $4,305 | 2.65% |
| Heber, UT (FHA|USDA|VA) | 104 | $179,610,000 | $1,727,019 | $5,777 | 2.62% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 111 | $178,745,000 | $1,610,315 | $6,898 | 2.65% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 149 | $175,825,000 | $1,180,034 | $6,749 | 2.62% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 169 | $172,565,000 | $1,021,095 | $8,299 | 2.69% |
| Glenwood Springs, CO (FHA|USDA|VA) | 38 | $160,110,000 | $4,213,421 | $10,502 | 2.60% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 121 | $157,665,000 | $1,303,017 | $10,405 | 2.63% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 125 | $143,685,000 | $1,149,480 | $5,055 | 2.67% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 116 | $138,200,000 | $1,191,379 | $5,423 | 2.64% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 74 | $136,010,000 | $1,837,973 | $5,360 | 2.66% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 155 | $132,155,000 | $852,613 | $6,551 | 2.67% |
| Edwards, CO (FHA|USDA|VA) | 51 | $100,865,000 | $1,977,745 | $6,446 | 2.59% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 58 | $99,520,000 | $1,715,862 | $5,890 | 2.67% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 112 | $99,120,000 | $885,000 | $4,689 | 2.76% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 83 | $92,845,000 | $1,118,614 | $4,834 | 2.66% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 77 | $88,115,000 | $1,144,351 | $4,956 | 2.64% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 79 | $85,705,000 | $1,084,873 | $4,592 | 2.71% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 82 | $84,560,000 | $1,031,220 | $4,167 | 2.73% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 92 | $82,870,000 | $900,761 | $5,857 | 2.76% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 82 | $78,670,000 | $959,390 | $4,295 | 2.73% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 58 | $77,540,000 | $1,336,897 | $7,820 | 2.58% |
| SALINAS, CA (FHA|USDA|VA) | 47 | $76,175,000 | $1,620,745 | $5,344 | 2.65% |
| Jackson, WY-ID (FHA|USDA|VA) | 29 | $75,775,000 | $2,612,931 | $8,594 | 2.62% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 79 | $74,515,000 | $943,228 | $6,070 | 2.71% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 73 | $73,365,000 | $1,005,000 | $5,212 | 2.73% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 72 | $70,790,000 | $983,194 | $4,634 | 2.67% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 79 | $69,905,000 | $884,873 | $5,687 | 2.73% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 77 | $65,165,000 | $846,299 | $4,413 | 2.80% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 85 | $63,495,000 | $747,000 | $3,907 | 2.78% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 83 | $63,225,000 | $761,747 | $3,869 | 2.83% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 38 | $62,540,000 | $1,645,789 | $6,051 | 2.69% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 46 | $54,810,000 | $1,191,522 | $6,264 | 2.64% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 54 | $52,970,000 | $980,926 | $4,598 | 2.63% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 51 | $51,285,000 | $1,005,588 | $3,980 | 2.79% |
| RENO, NV (FHA|USDA|VA) | 45 | $49,865,000 | $1,108,111 | $4,596 | 2.69% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 50 | $48,730,000 | $974,600 | $4,942 | 2.68% |
| Bozeman, MT (FHA|USDA|VA) | 31 | $46,235,000 | $1,491,452 | $5,827 | 2.80% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 47 | $42,525,000 | $904,787 | $5,660 | 2.73% |
| BOULDER, CO (FHA|USDA|VA) | 42 | $41,830,000 | $995,952 | $4,724 | 2.71% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 43 | $40,475,000 | $941,279 | $5,419 | 2.77% |
| Hilo, HI (FHA|USDA|VA) | 19 | $39,535,000 | $2,080,789 | $7,117 | 2.55% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 32 | $39,300,000 | $1,228,125 | $5,760 | 2.68% |
| Breckenridge, CO (FHA|USDA|VA) | 25 | $37,355,000 | $1,494,200 | $4,882 | 2.66% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 32 | $35,490,000 | $1,109,063 | $7,391 | 2.61% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 44 | $35,240,000 | $800,909 | $4,503 | 2.75% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 51 | $34,075,000 | $668,137 | $2,967 | 2.85% |
| ANN ARBOR, MI (FHA|USDA|VA) | 12 | $33,620,000 | $2,801,667 | $4,297 | 2.58% |
| Hailey, ID (FHA|USDA|VA) | 21 | $32,575,000 | $1,551,190 | $7,869 | 2.57% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 34 | $29,470,000 | $866,765 | $4,025 | 2.71% |
| Key West, FL (FHA|USDA|VA) | 25 | $28,975,000 | $1,159,000 | $7,244 | 2.68% |
| NAPA, CA (FHA|USDA|VA) | 26 | $28,830,000 | $1,108,846 | $4,488 | 2.82% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 25 | $26,055,000 | $1,042,200 | $7,954 | 2.63% |
| Vineyard Haven, MA (FHA|USDA|VA) | 24 | $25,680,000 | $1,070,000 | $5,409 | 2.69% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 35 | $25,385,000 | $725,286 | $3,323 | 2.74% |
| ASHEVILLE, NC (FHA|USDA|VA) | 30 | $24,700,000 | $823,333 | $4,173 | 2.73% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 33 | $24,345,000 | $737,727 | $4,339 | 2.67% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 34 | $23,590,000 | $693,824 | $3,600 | 2.81% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 30 | $22,240,000 | $741,333 | $3,476 | 2.69% |
| PITTSBURGH, PA (FHA|USDA|VA) | 27 | $21,895,000 | $810,926 | $6,331 | 2.69% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 14 | $21,210,000 | $1,515,000 | $6,172 | 2.60% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 26 | $21,150,000 | $813,462 | $6,691 | 2.74% |
| COLUMBUS, OH (FHA|USDA|VA) | 27 | $21,085,000 | $780,926 | $4,226 | 2.77% |
| SANTA FE, NM (FHA|USDA|VA) | 23 | $20,965,000 | $911,522 | $5,327 | 2.73% |
| Kapaa, HI (FHA|USDA|VA) | 14 | $18,880,000 | $1,348,571 | $6,677 | 2.61% |
| BEND, OR (FHA|USDA|VA) | 20 | $18,370,000 | $918,500 | $5,119 | 2.64% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 26 | $18,270,000 | $702,692 | $4,342 | 2.84% |
| Outside of Metro Areas | 11 | $17,815,000 | $1,619,545 | $8,734 | 2.64% |
| Easton, MD (FHA|USDA|VA) | 19 | $17,195,000 | $905,000 | $4,711 | 2.81% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 14 | $17,190,000 | $1,227,857 | $5,632 | 2.60% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 19 | $17,045,000 | $897,105 | $5,651 | 2.68% |
| RICHMOND, VA (FHA|USDA|VA) | 26 | $16,530,000 | $635,769 | $3,978 | 2.72% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 20 | $15,760,000 | $788,000 | $4,130 | 2.72% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 12 | $15,460,000 | $1,288,333 | $6,863 | 2.62% |
| FORT COLLINS, CO (FHA|USDA|VA) | 20 | $15,300,000 | $765,000 | $4,123 | 2.71% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 13 | $15,215,000 | $1,170,385 | $4,856 | 2.61% |
| TUCSON, AZ (FHA|USDA|VA) | 22 | $15,050,000 | $684,091 | $4,315 | 2.81% |
| WILMINGTON, NC (FHA|USDA|VA) | 14 | $14,760,000 | $1,054,286 | $4,308 | 2.70% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 24 | $14,590,000 | $607,917 | $3,007 | 2.69% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 22 | $14,360,000 | $652,727 | $3,986 | 2.80% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 26 | $14,320,000 | $550,769 | $3,991 | 2.91% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 19 | $14,085,000 | $741,316 | $5,549 | 2.76% |
| KNOXVILLE, TN (FHA|USDA|VA) | 18 | $13,910,000 | $772,778 | $4,577 | 2.78% |
| BRUNSWICK, GA (FHA|USDA|VA) | 17 | $13,765,000 | $809,706 | $4,561 | 2.72% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 18 | $13,680,000 | $760,000 | $4,108 | 2.82% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 16 | $13,670,000 | $854,375 | $4,888 | 2.63% |
| Cullowhee, NC (FHA|USDA|VA) | 15 | $13,475,000 | $898,333 | $4,581 | 2.58% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 17 | $13,285,000 | $781,471 | $4,017 | 2.67% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 14 | $13,260,000 | $947,143 | $4,260 | 2.68% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 16 | $12,830,000 | $801,875 | $6,013 | 2.65% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 20 | $12,770,000 | $638,500 | $2,541 | 2.98% |
| BOISE CITY, ID (FHA|USDA|VA) | 19 | $12,485,000 | $657,105 | $4,762 | 2.68% |
| Torrington, CT (FHA|USDA|VA) | 17 | $12,485,000 | $734,412 | $4,261 | 2.76% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 15 | $12,405,000 | $827,000 | $3,484 | 2.71% |
| Lebanon, NH-VT (FHA|USDA|VA) | 12 | $11,500,000 | $958,333 | $4,978 | 2.79% |
| Durango, CO (FHA|USDA|VA) | 11 | $10,555,000 | $959,545 | $4,760 | 2.44% |
| Kalispell, MT (FHA|USDA|VA) | 9 | $10,325,000 | $1,147,222 | $6,234 | 2.64% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 12 | $10,240,000 | $853,333 | $4,072 | 2.99% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 12 | $10,220,000 | $851,667 | $4,433 | 2.81% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 14 | $10,050,000 | $717,857 | $3,966 | 2.74% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 23 | $9,995,000 | $434,565 | $3,858 | 2.94% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 14 | $9,440,000 | $674,286 | $3,618 | 2.82% |
| PITTSFIELD, MA (FHA|USDA|VA) | 13 | $9,435,000 | $725,769 | $5,319 | 2.97% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 12 | $9,280,000 | $773,333 | $5,388 | 2.60% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 13 | $9,095,000 | $699,615 | $6,042 | 2.73% |
| BATON ROUGE, LA (FHA|USDA|VA) | 10 | $9,070,000 | $907,000 | $5,000 | 2.84% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 9 | $8,805,000 | $978,333 | $3,354 | 2.75% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 10 | $8,770,000 | $877,000 | $4,098 | 2.69% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 14 | $8,730,000 | $623,571 | $5,237 | 2.81% |
| Traverse City, MI (FHA|USDA|VA) | 8 | $8,660,000 | $1,082,500 | $4,832 | 2.57% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 7 | $7,785,000 | $1,112,143 | $5,747 | 2.52% |
| MONTGOMERY, AL (FHA|USDA|VA) | 9 | $7,755,000 | $861,667 | $3,711 | 2.58% |
| Steamboat Springs, CO (FHA|USDA|VA) | 7 | $7,635,000 | $1,090,714 | $4,362 | 2.63% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 14 | $7,460,000 | $532,857 | $4,569 | 2.93% |
| Boone, NC (FHA|USDA|VA) | 10 | $7,460,000 | $746,000 | $3,827 | 2.58% |
| Whitewater, WI (FHA|USDA|VA) | 10 | $7,150,000 | $715,000 | $3,046 | 2.71% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 11 | $6,995,000 | $635,909 | $6,078 | 2.65% |
| ST. GEORGE, UT (FHA|USDA|VA) | 8 | $6,870,000 | $858,750 | $3,777 | 2.81% |
| ROCHESTER, NY (FHA|USDA|VA) | 8 | $6,710,000 | $838,750 | $5,471 | 2.67% |
| MADISON, WI (FHA|USDA|VA) | 11 | $6,685,000 | $607,727 | $3,156 | 2.62% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 8 | $6,630,000 | $828,750 | $3,711 | 2.74% |
| WENATCHEE, WA (FHA|USDA|VA) | 7 | $6,615,000 | $945,000 | $4,332 | 2.61% |
| ROANOKE, VA (FHA|USDA|VA) | 6 | $6,560,000 | $1,093,333 | $4,520 | 2.70% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $6,420,000 | $1,605,000 | $9,334 | 2.57% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 8 | $6,380,000 | $797,500 | $4,815 | 2.92% |
| KINGSTON, NY (FHA|USDA|VA) | 9 | $6,205,000 | $689,444 | $5,231 | 2.78% |
| Astoria, OR (FHA|USDA|VA) | 5 | $6,145,000 | $1,229,000 | $6,090 | 2.70% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 10 | $6,130,000 | $613,000 | $3,441 | 2.70% |
| NILES, MI (FHA|USDA|VA) | 7 | $6,095,000 | $870,714 | $4,875 | 2.49% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 11 | $6,045,000 | $549,545 | $4,473 | 2.92% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 9 | $6,005,000 | $667,222 | $3,004 | 2.65% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 6 | $5,920,000 | $986,667 | $4,368 | 2.49% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 7 | $5,635,000 | $805,000 | $7,653 | 2.82% |
| FRESNO, CA (FHA|USDA|VA) | 7 | $5,565,000 | $795,000 | $3,942 | 2.76% |
| MIDLAND, TX (FHA|USDA|VA) | 7 | $5,555,000 | $793,571 | $7,694 | 2.80% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 8 | $5,550,000 | $693,750 | $4,660 | 2.86% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 7 | $5,345,000 | $763,571 | $4,627 | 2.96% |
| Alexander City, AL (FHA|USDA|VA) | 6 | $5,250,000 | $875,000 | $4,162 | 2.63% |
| Malone, NY (FHA|USDA|VA) | 3 | $5,135,000 | $1,711,667 | $8,688 | 2.40% |
| BELLINGHAM, WA (FHA|USDA|VA) | 7 | $5,005,000 | $715,000 | $3,622 | 2.64% |
| GLENS FALLS, NY (FHA|USDA|VA) | 2 | $4,980,000 | $2,490,000 | $8,050 | 2.53% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 7 | $4,885,000 | $697,857 | $6,231 | 3.03% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 7 | $4,825,000 | $689,286 | $4,350 | 2.75% |
| TULSA, OK (FHA|USDA|VA) | 8 | $4,760,000 | $595,000 | $4,480 | 2.79% |
| Laconia, NH (FHA|USDA|VA) | 5 | $4,615,000 | $923,000 | $4,368 | 2.75% |
| MISSOULA, MT (FHA|USDA|VA) | 5 | $4,315,000 | $863,000 | $5,295 | 2.49% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 6 | $4,220,000 | $703,333 | $6,414 | 2.75% |
| GAINESVILLE, GA (FHA|USDA|VA) | 7 | $4,205,000 | $600,714 | $3,905 | 2.70% |
| SAVANNAH, GA (FHA|USDA|VA) | 9 | $4,035,000 | $448,333 | $3,731 | 3.36% |
| COLUMBIA, SC (FHA|USDA|VA) | 5 | $4,025,000 | $805,000 | $3,954 | 2.69% |
| PROVO-OREM, UT (FHA|USDA|VA) | 5 | $3,945,000 | $789,000 | $4,259 | 2.92% |
| LAFAYETTE, LA (FHA|USDA|VA) | 5 | $3,935,000 | $787,000 | $5,374 | 2.69% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 7 | $3,915,000 | $559,286 | $3,277 | 2.68% |
| Brainerd, MN (FHA|USDA|VA) | 3 | $3,905,000 | $1,301,667 | $4,469 | 2.92% |
| Kerrville, TX (FHA|USDA|VA) | 6 | $3,810,000 | $635,000 | $7,011 | 2.63% |
| Ellensburg, WA (FHA|USDA|VA) | 5 | $3,795,000 | $759,000 | $3,514 | 2.62% |
| GREEN BAY, WI (FHA|USDA|VA) | 8 | $3,770,000 | $471,250 | $2,646 | 3.13% |
| Rutland, VT (FHA|USDA|VA) | 4 | $3,760,000 | $940,000 | $5,911 | 2.58% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 6 | $3,720,000 | $620,000 | $5,485 | 2.68% |
| VALLEJO, CA (FHA|USDA|VA) | 5 | $3,685,000 | $737,000 | $4,315 | 2.64% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 5 | $3,675,000 | $735,000 | $4,066 | 2.81% |
| Bennington, VT (FHA|USDA|VA) | 5 | $3,645,000 | $729,000 | $5,946 | 2.57% |
| Hudson, NY (FHA|USDA|VA) | 6 | $3,610,000 | $601,667 | $5,625 | 2.72% |
| STOCKTON, CA (FHA|USDA|VA) | 5 | $3,585,000 | $717,000 | $3,302 | 2.82% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 5 | $3,515,000 | $703,000 | $4,268 | 2.75% |
| LANCASTER, PA (FHA|USDA|VA) | 6 | $3,480,000 | $580,000 | $5,882 | 2.90% |
| Brevard, NC (FHA|USDA|VA) | 4 | $3,320,000 | $830,000 | $5,096 | 2.84% |
| Payson, AZ (FHA|USDA|VA) | 5 | $3,305,000 | $661,000 | $4,576 | 2.52% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 4 | $3,250,000 | $812,500 | $4,239 | 2.63% |
| LONGVIEW, TX (FHA|USDA|VA) | 3 | $3,245,000 | $1,081,667 | $5,966 | 2.68% |
| Concord, NH (FHA|USDA|VA) | 4 | $3,240,000 | $810,000 | $3,867 | 2.74% |
| GAINESVILLE, FL (FHA|USDA|VA) | 5 | $3,035,000 | $607,000 | $4,501 | 2.66% |
| Barre, VT (FHA|USDA|VA) | 3 | $3,025,000 | $1,008,333 | $5,949 | 2.55% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 4 | $3,010,000 | $752,500 | $3,146 | 3.09% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 5 | $2,995,000 | $599,000 | $5,071 | 2.78% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $2,990,000 | $747,500 | $3,591 | 2.93% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 5 | $2,965,000 | $593,000 | $3,498 | 2.57% |
| THE VILLAGES, FL (FHA|USDA|VA) | 5 | $2,965,000 | $593,000 | $3,802 | 2.57% |
| Show Low, AZ (FHA|USDA|VA) | 5 | $2,875,000 | $575,000 | $5,241 | 2.58% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 4 | $2,820,000 | $705,000 | $4,236 | 2.94% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 5 | $2,805,000 | $561,000 | $3,811 | 3.16% |
| SYRACUSE, NY (FHA|USDA|VA) | 3 | $2,775,000 | $925,000 | $5,059 | 2.35% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 5 | $2,645,000 | $529,000 | $4,196 | 2.67% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 4 | $2,630,000 | $657,500 | $3,451 | 2.72% |
| Sevierville, TN (FHA|USDA|VA) | 4 | $2,590,000 | $647,500 | $4,051 | 2.68% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $2,570,000 | $1,285,000 | $4,001 | 2.35% |
| AKRON, OH (FHA|USDA|VA) | 5 | $2,535,000 | $507,000 | $3,702 | 3.31% |
| Oak Harbor, WA (FHA|USDA|VA) | 3 | $2,535,000 | $845,000 | $3,982 | 2.68% |
| Ukiah, CA (FHA|USDA|VA) | 3 | $2,525,000 | $841,667 | $5,325 | 3.04% |
| REDDING, CA (FHA|USDA|VA) | 5 | $2,515,000 | $503,000 | $3,696 | 2.97% |
| JACKSON, MS (FHA|USDA|VA) | 4 | $2,500,000 | $625,000 | $4,480 | 2.75% |
| GREELEY, CO (FHA|USDA|VA) | 4 | $2,480,000 | $620,000 | $3,932 | 2.59% |
| Georgetown, SC (FHA|USDA|VA) | 4 | $2,460,000 | $615,000 | $3,532 | 2.93% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 3 | $2,305,000 | $768,333 | $5,158 | 2.67% |
| Holland, MI (FHA|USDA|VA) | 2 | $2,290,000 | $1,145,000 | $4,489 | 2.33% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 2 | $2,270,000 | $1,135,000 | $5,975 | 2.30% |
| MUSKEGON, MI (FHA|USDA|VA) | 4 | $2,180,000 | $545,000 | $3,222 | 2.60% |
| WICHITA, KS (FHA|USDA|VA) | 4 | $2,110,000 | $527,500 | $3,285 | 2.56% |
| Somerset, PA (FHA|USDA|VA) | 3 | $2,055,000 | $685,000 | $6,454 | 2.42% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $2,050,000 | $1,025,000 | $8,420 | 2.93% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 3 | $2,035,000 | $678,333 | $2,453 | 2.64% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $2,020,000 | $1,010,000 | $4,053 | 2.73% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 4 | $1,960,000 | $490,000 | $3,190 | 3.14% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $1,930,000 | $965,000 | $7,806 | 2.55% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 4 | $1,850,000 | $462,500 | $3,073 | 3.06% |
| TOLEDO, OH (FHA|USDA|VA) | 2 | $1,790,000 | $895,000 | $4,890 | 3.13% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $1,765,000 | $588,333 | $5,813 | 2.48% |
| MEDFORD, OR (FHA|USDA|VA) | 3 | $1,765,000 | $588,333 | $4,731 | 3.01% |
| ANCHORAGE, AK (FHA|USDA|VA) | 2 | $1,760,000 | $880,000 | $5,884 | 2.93% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 3 | $1,725,000 | $575,000 | $6,052 | 3.05% |
| ITHACA, NY (FHA|USDA|VA) | 3 | $1,715,000 | $571,667 | $6,567 | 2.88% |
| Sonora, CA (FHA|USDA|VA) | 2 | $1,690,000 | $845,000 | $4,216 | 2.63% |
| Oxford, MS (FHA|USDA|VA) | 2 | $1,670,000 | $835,000 | $4,863 | 2.60% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $1,670,000 | $835,000 | $4,782 | 2.65% |
| Newport, OR (FHA|USDA|VA) | 2 | $1,660,000 | $830,000 | $5,442 | 2.48% |
| Crossville, TN (FHA|USDA|VA) | 3 | $1,635,000 | $545,000 | $3,641 | 2.82% |
| ALBANY, GA (FHA|USDA|VA) | 4 | $1,580,000 | $395,000 | $3,405 | 2.82% |
| MADERA, CA (FHA|USDA|VA) | 3 | $1,555,000 | $518,333 | $3,472 | 3.18% |
| Pottsville, PA (FHA|USDA|VA) | 3 | $1,535,000 | $511,667 | $3,882 | 2.73% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 2 | $1,520,000 | $760,000 | $3,475 | 2.43% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 2 | $1,500,000 | $750,000 | $3,145 | 2.60% |
| Ruidoso, NM (FHA|USDA|VA) | 2 | $1,490,000 | $745,000 | $2,431 | 2.50% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $1,480,000 | $740,000 | $2,918 | 2.68% |
| LINCOLN, NE (FHA|USDA|VA) | 2 | $1,460,000 | $730,000 | $3,407 | 2.75% |
| Seneca, SC (FHA|USDA|VA) | 2 | $1,440,000 | $720,000 | $3,578 | 2.58% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $1,440,000 | $720,000 | $2,654 | 2.63% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 3 | $1,405,000 | $468,333 | $3,802 | 2.65% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 3 | $1,395,000 | $465,000 | $3,730 | 2.80% |
| Brenham, TX (FHA|USDA|VA) | 1 | $1,355,000 | $1,355,000 | $12,798 | 2.80% |
| Port Angeles, WA (FHA|USDA|VA) | 4 | $1,320,000 | $330,000 | $3,314 | 3.05% |
| Spirit Lake, IA (FHA|USDA|VA) | 1 | $1,315,000 | $1,315,000 | $6,245 | 2.60% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $1,295,000 | $1,295,000 | $11,461 | 2.55% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $1,295,000 | $1,295,000 | $3,037 | 2.60% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $1,280,000 | $640,000 | $3,720 | 2.80% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $1,250,000 | $625,000 | $4,664 | 2.68% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 2 | $1,230,000 | $615,000 | $3,248 | 2.63% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 3 | $1,225,000 | $408,333 | $2,284 | 2.58% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 3 | $1,215,000 | $405,000 | $3,155 | 2.93% |
| Grand Rapids, MN (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $3,878 | 2.80% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $1,185,000 | $1,185,000 | $5,302 | 2.55% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 2 | $1,180,000 | $590,000 | $3,925 | 2.60% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $4,044 | 3.55% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $4,079 | 2.67% |
| Taos, NM (FHA|USDA|VA) | 1 | $1,075,000 | $1,075,000 | $23,643 | 2.50% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $1,045,000 | $1,045,000 | $11,236 | 2.85% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $1,040,000 | $520,000 | $3,822 | 3.68% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $1,015,000 | $1,015,000 | $3,411 | 3.15% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $1,015,000 | $1,015,000 | $7,627 | 2.60% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $11,039 | 2.90% |
| DALTON, GA (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $4,732 | 2.55% |
| WACO, TX (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $5,574 | 2.50% |
| Marinette, WI-MI (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $3,887 | 3.95% |
| Seneca Falls, NY (FHA|USDA|VA) | 1 | $975,000 | $975,000 | $4,207 | 2.60% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $4,362 | 2.95% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $4,700 | 2.60% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $3,471 | 2.68% |
| ERIE, PA (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $10,059 | 2.45% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $5,092 | 2.60% |
| TYLER, TX (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $5,519 | 2.70% |
| RAPID CITY, SD (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $3,966 | 2.95% |
| ROCHESTER, MN (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $2,882 | 3.20% |
| PEORIA, IL (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $2,431 | 3.09% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $3,009 | 2.70% |
| Craig, CO (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $3,997 | 2.60% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $825,000 | $825,000 | $5,386 | 3.05% |
| Hood River, OR (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $4,728 | 3.48% |
| Athens, TX (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $7,947 | 2.50% |
| APPLETON, WI (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $2,983 | 3.48% |
| Rockport, TX (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $5,349 | 2.90% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $3,243 | 4.27% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $4,414 | 2.35% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $6,358 | 2.75% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $3,479 | 2.60% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $2,659 | 2.70% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $4,160 | 2.50% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $2,578 | 2.70% |
| Prineville, OR (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $6,097 | 2.80% |
| Granbury, TX (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $6,473 | 2.85% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $5,538 | 2.35% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $4,496 | 2.55% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $4,393 | 3.00% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $3,921 | 2.30% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $4,119 | 2.95% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $4,262 | 2.80% |
| Spearfish, SD (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $3,728 | 2.65% |
| Palestine, TX (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $7,052 | 2.25% |
| OCALA, FL (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $5,691 | 2.40% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $4,192 | 2.45% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $4,076 | 2.40% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $7,359 | 2.45% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $3,207 | 2.99% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $4,034 | 3.25% |
| Branson, MO (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $2,245 | 2.70% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $4,808 | 2.88% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $2,890 | 2.45% |
| Sheridan, WY (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $3,827 | 2.25% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,044 | 3.10% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,977 | 2.65% |
| Olean, NY (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $6,609 | 2.60% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $3,886 | 2.75% |
| Brookings, OR (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $4,064 | 2.55% |
| Forest City, NC (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $3,752 | 2.70% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $3,755 | 2.60% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,504 | 2.90% |
| Russellville, AR (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $2,227 | 2.60% |
| SALEM, OR (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $4,416 | 2.85% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,612 | 2.50% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $8,443 | 2.70% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,932 | 2.70% |
| Shelton, WA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,601 | 2.55% |
| FLINT, MI (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,485 | 2.60% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,736 | 2.85% |
| READING, PA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $5,442 | 2.55% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,634 | 2.60% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $6,064 | 2.90% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,851 | 2.65% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,137 | 2.60% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,392 | 2.50% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $4,038 | 2.89% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,676 | 2.60% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,365 | 3.93% |
| Fairfield, IA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $2,503 | 2.70% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,854 | 2.40% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,237 | 2.60% |
| Auburn, NY (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,882 | 3.00% |
| Tifton, GA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,166 | 2.25% |
| Keene, NH (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,514 | 2.75% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,594 | 2.50% |
| Marquette, MI (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,163 | 2.70% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,006 | 2.25% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,282 | 2.63% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,152 | 3.00% |
| Mason City, IA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,862 | 2.75% |
| RACINE, WI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,828 | 4.20% |
| Sault Ste. Marie, MI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,620 | 3.00% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,786 | 3.00% |
| Freeport, IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,369 | 2.75% |
| Riverton, WY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,902 | 4.15% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,241 | 2.88% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,398 | 3.25% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,248 | 3.20% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,605 | 2.95% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,184 | 3.00% |
| Maysville, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 4.35% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,031 | 3.40% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,423 | 3.75% |
Morgan Stanley Private Bank's top markets include New York, Los Angeles, San Francisco, Miami, and Boston among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 13,271 | $15,857,025,000 | $1,194,863 | $5,703 | 2.70% |
For the 2021 period, Morgan Stanley Private Bank's most frequently originated loan type of loans were Conventional, with 13,271 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 4,748 | $5,770,030,000 | $1,215,255 | $6,723 | 2.61% |
| Refi | 3,358 | $3,743,140,000 | $1,114,693 | $4,872 | 2.75% |
| Other | 3,306 | $4,141,610,000 | $1,252,756 | $5,469 | 2.63% |
| Cash Out Refi | 1,738 | $2,099,970,000 | $1,208,268 | $4,976 | 2.92% |
| Home Improvement | 121 | $102,275,000 | $845,248 | $5,493 | 3.29% |
For the 2021, Morgan Stanley Private Bank's most frequently cited loan purpose of loans were Home Purchase, with 4,748 originations. The 2nd most popular reason of loans were Refi, with 3,358 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 12,795 | $15,324,595,000 | $1,197,702 | $5,735 | 2.69% |
| 15 Year | 391 | $306,725,000 | $784,463 | $4,655 | 2.62% |
| Other | 78 | $56,340,000 | $722,308 | $9,038 | 4.37% |
| 3 Year | 3 | $73,195,000 | $24,398,333 | $0 | 2.07% |
| 10 Year | 2 | $64,310,000 | $32,155,000 | $0 | 3.21% |
| 5 Year | 2 | $31,860,000 | $15,930,000 | $0 | 2.80% |
For the 2021, Morgan Stanley Private Bank's most frequently cited loan length of loans were 30 Year, with 12,795 originations. The 2nd most popular length of loans were 15 Year, with 391 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 13,172 | $15,623,860,000 | $1,186,142 |
| $5k+ | 8 | $9,030,000 | $1,128,750 |
| $3k-4k | 4 | $4,200,000 | $1,050,000 |
| $1k-2k | 2 | $2,010,000 | $1,005,000 |
| $2k-3k | 2 | $610,000 | $305,000 |
$5,735 of loans were Morgan Stanley Private Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 13,172 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 8,176 | $8,663,480,000 | $1,059,623 |
| <2.5% | 3,633 | $6,033,755,000 | $1,660,819 |
| 3-4% | 1,270 | $1,076,980,000 | $848,016 |
| 4-5% | 181 | $73,905,000 | $408,315 |
| 5-6% | 8 | $1,210,000 | $151,250 |
During 2021, Morgan Stanley Private Bank's average interest rate of loans were 2.69%, while their most frequently originated rate bucket of loans were 2.5-3%, with 8,176 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $1MM+ | 5,306 | $10,720,860,000 | $2,020,516 | $7,565 | 2.61% |
| $600k-1MM | 4,576 | $3,508,960,000 | $766,818 | $4,785 | 2.71% |
| $400k-600k | 2,719 | $1,446,475,000 | $531,988 | $4,153 | 2.73% |
| $200k-400k | 547 | $162,705,000 | $297,450 | $3,474 | 3.14% |
| $100k-200k | 107 | $16,865,000 | $157,617 | $3,121 | 3.57% |
| $100,000 or less | 16 | $1,160,000 | $72,500 | $2,762 | 4.50% |
2021 saw Morgan Stanley Private Bank place emphasis on $1MM+ loans with 5,306 originations, totaling $10,720,860,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $250k+ | 8,139 | $11,631,035,000 | $1,429,050 | $6,301 | 2.66% |
| $150k-250k | 2,394 | $1,683,270,000 | $703,120 | $4,513 | 2.76% |
| $100k-150k | 865 | $475,525,000 | $549,740 | $4,026 | 2.81% |
| $75k-100k | 200 | $83,850,000 | $419,250 | $3,713 | 2.94% |
| $50k-75k | 99 | $29,195,000 | $294,899 | $3,364 | 3.25% |
| $50k or less | 16 | $2,940,000 | $183,750 | $3,176 | 3.60% |
Morgan Stanley Private Bank lent most frequently to those with incomes in the $250k+ range, with 8,139 originations. The second most popular income band? $150k-250k, with 2,394 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 3,257 | $3,486,375,000 | $1,070,425 | $5,342 | 2.70% |
| 30-36% | 2,538 | $2,863,140,000 | $1,128,109 | $5,595 | 2.70% |
| <20% | 1,933 | $2,055,035,000 | $1,063,132 | $5,517 | 2.71% |
| 50-60% | 634 | $1,012,350,000 | $1,596,767 | $6,885 | 2.65% |
| 39% | 518 | $681,020,000 | $1,314,710 | $5,788 | 2.70% |
| 37% | 503 | $585,195,000 | $1,163,410 | $5,477 | 2.70% |
| 38% | 500 | $562,540,000 | $1,125,080 | $5,545 | 2.73% |
| 36% | 477 | $565,735,000 | $1,186,027 | $5,666 | 2.73% |
| 42% | 406 | $518,050,000 | $1,275,985 | $6,134 | 2.70% |
| 43% | 384 | $454,130,000 | $1,182,630 | $5,815 | 2.73% |
| 40% | 376 | $514,150,000 | $1,367,420 | $5,786 | 2.69% |
| 41% | 351 | $405,135,000 | $1,154,231 | $5,843 | 2.70% |
| 44% | 344 | $474,280,000 | $1,378,721 | $6,015 | 2.69% |
| 45% | 222 | $262,270,000 | $1,181,396 | $6,093 | 2.69% |
| 46% | 206 | $250,190,000 | $1,214,515 | $5,977 | 2.72% |
| 47% | 187 | $251,005,000 | $1,342,273 | $6,425 | 2.70% |
| 49% | 178 | $226,150,000 | $1,270,506 | $6,046 | 2.72% |
| 48% | 176 | $225,720,000 | $1,282,500 | $5,713 | 2.69% |
| >60% | 10 | $32,030,000 | $3,203,000 | $12,384 | 2.67% |
Morgan Stanley Private Bank lent most frequently to those with DTI ratios of 20-30%, with 3,257 originations. The next most common DTI ratio? 30-36%, with 2,538 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 10,493 | $12,032,115,000 | $1,146,680 | $5,630 | 2.70% |
| Not provided | 1,688 | $2,241,330,000 | $1,327,802 | $6,136 | 2.68% |
| Asian | 784 | $990,740,000 | $1,263,699 | $5,513 | 2.67% |
| Not applicable | 25 | $258,325,000 | $10,333,000 | $13,999 | 2.58% |
| Black | 189 | $209,705,000 | $1,109,550 | $5,786 | 2.78% |
| American Indian | 41 | $57,115,000 | $1,393,049 | $6,154 | 2.80% |
| Asian Indian | 18 | $21,280,000 | $1,182,222 | $5,282 | 2.67% |
| Native Hawaiian | 12 | $20,570,000 | $1,714,167 | $8,267 | 2.78% |
| Chinese | 8 | $10,720,000 | $1,340,000 | $5,942 | 2.63% |
| Other Asian | 8 | $8,240,000 | $1,030,000 | $4,314 | 2.77% |
| Other Pacific Islander | 1 | $3,555,000 | $3,555,000 | $10,707 | 2.35% |
| Korean | 2 | $1,850,000 | $925,000 | $4,691 | 2.53% |
| Japanese | 1 | $745,000 | $745,000 | $5,791 | 2.65% |
| Vietnamese | 1 | $735,000 | $735,000 | $3,028 | 2.85% |
Approval Rates
Total approvals of all applications95.53%
Morgan Stanley Private Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination75.89%
Morgan Stanley Private Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 13,271 | $15,857,025,000 | $1,194,863 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 13,271 | $15,857,025,000 | $1,194,863 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 1,372 | $1,300,520,000 | $947,901 | $4,892 | 2.78% |
| 40-60% | 3,274 | $3,833,170,000 | $1,170,791 | $5,387 | 2.74% |
| 60-80% | 6,200 | $8,077,380,000 | $1,302,803 | $5,992 | 2.67% |
| 80-100% | 2,215 | $2,469,475,000 | $1,114,887 | $5,936 | 2.64% |
| Over 100% | 4 | $42,370,000 | $10,592,500 | $3,979 | 2.88% |
| Under 20% | 206 | $134,110,000 | $651,019 | $4,685 | 3.04% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| MORGAN STANLEY & CO. LLC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 14.3% |
| MORGAN STANLEY & CO. LLC | Conventional home mortgage | Struggling to pay mortgage | 1 | 14.3% |
| MORGAN STANLEY & CO. LLC | Conventional home mortgage | Trouble during payment process | 5 | 71.4% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Morgan Stanley Private Bank, National Association | 2000 Westchester Avenue Purchase, NY 10577 | Full Service B&M | $108,790,000 |
| Morgan Stanley Private Bank, National Association | 919 North Market St Wilmington, DE 19801 | Limited, Trust Office | $0 |
For 2021, Morgan Stanley Private Bank had 2 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $2,599,000 |
| Net interest income | $2,387,000 |
| Total noninterest income | $278,000 |
| Gross Fiduciary activities income | $1,000 |
| Service charges on deposit accounts | $0 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $277,000 |
| Pre-tax net operating income | $1,996,000 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $1,528,000 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $1,528,000 |
| Minority interest net income | $0 |
| Net income | $1,528,000 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $1,528,000 |
Morgan Stanley Private Bank's gross interest income from loans was $2,599,000,000.
Morgan Stanley Private Bank's net interest income from loans was $2,387,000,000.
Morgan Stanley Private Bank's fee based income from loans was $0.
Morgan Stanley Private Bank's net income from loans was $1,528,000,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $212,000 |
| Provision for credit losses | $1,000 |
| Total noninterest expense | $668,000 |
| Salaries and employee benefits | $220,000 |
| Premises and equipment expense | $34,000 |
| Additional noninterest expense | $414,000 |
| Applicable income taxes | $468,000 |
| Net charge-offs | $1,000 |
| Cash dividends | $0 |
Morgan Stanley Private Bank's interest expense for loans was $212,000,000.
Morgan Stanley Private Bank's payroll and benefits expense were $220,000,000.
Morgan Stanley Private Bank's property, plant and equipment expenses $34,000,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 3.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 1.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $125,670,000 |
| Deposits held in domestic offices | $125,670,000 |
| Deposits by Individuals, partnerships, and corporations | $125,670,000 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $0 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $19,366,000 |
| Demand deposits | $19,366,000 |
| Nontransaction accounts | $106,304,000 |
| Money market deposit accounts (MMDAs) | $101,737,000 |
| Other savings deposits (excluding MMDAs) | $0 |
| Total time deposits | $4,567,000 |
| Total time and savings deposits | $106,304,000 |
| Noninterest-bearing deposits | $180,000 |
| Interest-bearing deposits | $125,490,000 |
| Retail deposits | $120,191,000 |
| IRAs and Keogh plan accounts | $15,047,000 |
| Brokered deposits | $5,484,000 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $154,830,000 |
| Cash & Balances due from depository institutions | $13,932,000 |
| Interest-bearing balances | $13,875,000 |
| Total securities | $29,590,000 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $109,768,000 |
| Loan and leases loss allowance | $97,000 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $0 |
| Other real estate owned | $5,000 |
| Goodwill and other intangibles | $0 |
| All other assets | $1,535,000 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $154,830,000 |
| Total Liabilities | $144,560,000 |
| Total deposits | $125,670,000 |
| Interest-bearing deposits | $125,490,000 |
| Deposits held in domestic offices | $125,670,000 |
| % insured (estimated) | $67 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $18,260,000 |
| Subordinated debt | $0 |
| All other liabilities | $630,000 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $109,768,000 |
| Loan and leases loss allowance | $97,000 |
| Total loans and leases (domestic) | $109,865,000 |
| All real estate loans | $49,407,000 |
| Real estate loans in domestic offices | $49,407,000 |
| Construction and development loans | $33,000 |
| Residential 1-4 family construction | $0 |
| Other construction, all land development and other land | $33,000 |
| Loans secured by nonfarm nonresidential properties | $3,982,000 |
| Nonfarm nonresidential secured by owner-occupied properties | $184,000 |
| Commercial real estate & other non-farm, non-residential | $3,798,000 |
| Multifamily residential real estate | $1,135,000 |
| 1-4 family residential loans | $44,257,000 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $5,132,000 |
| To non-U.S. addressees | $423,000 |
| Loans to individuals | $22,796,000 |
| Credit card loans | $0 |
| Related Plans | $49,000 |
| Consumer Auto Loans | $0 |
| Other loans to individuals | $22,747,000 |
| All other loans & leases | $32,530,000 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $32,389,000 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $535,000 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $0 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
Morgan Stanley Private Bank had $109,768,000,000 of loans outstanding in 2021. $49,407,000,000 of loans were in real estate loans. $33,000,000 of loans were in development loans. $1,135,000,000 of loans were in multifamily mortgage loans. $44,257,000,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Commercial & Industrial, US addressed loans - <$1MM | 2,400 | $646,000 | $269,167 |
| Commercial & Industrial, US addressed loans - <$100k | 565 | $27,000 | $47,788 |
| Commercial & Industrial, US addressed loans - $100-250k | 730 | $104,000 | $142,466 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 1,105 | $515,000 | $466,063 |
