Morgan Stanley Private Bank Mortgage Rates, Fees & Info

New York, NY

LEI: 549300GS0W0TEUQS8571

Tax ID: 22-3458456

5 stars - Updated: 12/1/23 - out of 5 stars, based on 118 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Morgan Stanley Private Bank is a large bank specializing in Home Purchase and Other loans. Morgan Stanley Private Bank has a high proportion of conventional loans. Their top markets by origination volume include: New York, Los Angeles, Miami, San Francisco, and Seattle among others. We have data for 461 markets. (Some data included below & more in-depth data is available with an active subscription.)

Morgan Stanley Private Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Morgan Stanley Private Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 7.10% 12/1/23
30 Year Conventional Purchase 5.62% 12/1/23
30 Year Conventional Refi 5.99% 12/1/23
30 Year Cash-out Refi 6.01% 12/1/23
15 Year Conventional Purchase 5.49% 12/1/23
15 Year Conventional Refi 5.85% 12/1/23
15 Year Cash-out Refi 5.85% 12/1/23
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Morgan Stanley Private Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Morgan Stanley Private Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

13,860

Origination Dollar Volume (All Markets)

$15,490,630,000
Show all (122) awards

Relative Rate

Morgan Stanley Private Bank's average 30 year fixed mortgage rate was 3.73%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -1.03%.

Relative Fees (Closing Costs)

Morgan Stanley Private Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $5,663.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1,842 $2,448,500,000 $1,329,262 $6,983 3.54%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 920 $1,719,530,000 $1,869,054 $6,209 3.64%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 672 $1,015,140,000 $1,510,625 $9,062 3.57%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 644 $927,760,000 $1,440,621 $5,003 3.60%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 338 $388,630,000 $1,149,793 $4,653 3.79%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 372 $375,980,000 $1,010,699 $5,120 3.56%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 360 $341,170,000 $947,694 $4,998 3.66%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 444 $340,630,000 $767,185 $5,062 4.00%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 219 $336,905,000 $1,538,379 $4,686 3.49%
Outside of Metro Areas 335 $325,785,000 $972,493 $5,153 3.86%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 230 $322,600,000 $1,402,609 $7,015 3.63%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 246 $281,150,000 $1,142,886 $5,052 3.77%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 211 $274,025,000 $1,298,697 $8,103 3.92%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 278 $259,030,000 $931,763 $5,186 3.77%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 319 $228,225,000 $715,439 $4,336 4.07%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 228 $218,360,000 $957,719 $8,000 3.82%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 39 $199,975,000 $5,127,564 $7,241 4.10%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 226 $192,370,000 $851,195 $3,729 3.86%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 222 $174,840,000 $787,568 $6,232 3.82%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 132 $165,950,000 $1,257,197 $7,769 3.64%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 157 $155,435,000 $990,032 $8,255 3.87%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 134 $147,380,000 $1,099,851 $5,210 3.89%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 145 $143,235,000 $987,828 $6,489 3.71%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 146 $137,720,000 $943,288 $4,750 3.70%
Heber, UT (FHA|USDA|VA) 66 $119,070,000 $1,804,091 $5,815 3.42%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 59 $109,745,000 $1,860,085 $5,285 3.80%
Glenwood Springs, CO (FHA|USDA|VA) 33 $105,945,000 $3,210,455 $8,400 3.10%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 77 $98,955,000 $1,285,130 $5,283 3.59%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 103 $94,565,000 $918,107 $4,171 3.86%
Edwards, CO (FHA|USDA|VA) 43 $94,405,000 $2,195,465 $6,439 3.72%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 108 $92,640,000 $857,778 $6,296 3.55%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 110 $84,340,000 $766,727 $3,999 3.98%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 123 $83,175,000 $676,220 $4,271 3.94%
JACKSONVILLE, FL (FHA|USDA|VA) 96 $78,770,000 $820,521 $5,921 3.87%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 77 $76,395,000 $992,143 $4,695 3.89%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 82 $75,530,000 $921,098 $6,607 3.61%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 84 $72,530,000 $863,452 $4,428 3.93%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 88 $72,250,000 $821,023 $3,945 3.87%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 97 $68,315,000 $704,278 $3,698 3.82%
Jackson, WY-ID (FHA|USDA|VA) 29 $67,955,000 $2,343,276 $7,972 3.51%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 91 $66,155,000 $726,978 $4,367 3.95%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 66 $64,300,000 $974,242 $4,790 3.71%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 62 $63,450,000 $1,023,387 $5,764 3.65%
RENO, NV (FHA|USDA|VA) 51 $60,385,000 $1,184,020 $5,084 3.58%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 48 $60,290,000 $1,256,042 $7,483 3.63%
SALINAS, CA (FHA|USDA|VA) 32 $58,720,000 $1,835,000 $5,127 3.68%
Breckenridge, CO (FHA|USDA|VA) 39 $55,175,000 $1,414,744 $4,772 3.64%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 37 $54,585,000 $1,475,270 $6,821 3.44%
OCEAN CITY, NJ (FHA|USDA|VA) 39 $54,275,000 $1,391,667 $7,240 3.45%
BOULDER, CO (FHA|USDA|VA) 46 $53,600,000 $1,165,217 $4,250 3.65%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 57 $51,775,000 $908,333 $4,675 3.75%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 68 $48,980,000 $720,294 $4,587 4.02%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 63 $48,355,000 $767,540 $5,559 3.80%
Bozeman, MT (FHA|USDA|VA) 16 $47,010,000 $2,938,125 $10,584 3.34%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 53 $46,635,000 $879,906 $4,598 3.98%
URBAN HONOLULU, HI (FHA|USDA|VA) 39 $43,525,000 $1,116,026 $5,789 3.73%
SALT LAKE CITY, UT (FHA|USDA|VA) 52 $41,760,000 $803,077 $3,883 4.08%
Vineyard Haven, MA (FHA|USDA|VA) 22 $41,280,000 $1,876,364 $7,223 3.70%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 37 $40,045,000 $1,082,297 $4,244 3.95%
SANTA FE, NM (FHA|USDA|VA) 32 $38,100,000 $1,190,625 $6,200 3.61%
RALEIGH-CARY, NC (FHA|USDA|VA) 62 $37,060,000 $597,742 $3,564 4.20%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 58 $36,650,000 $631,897 $2,868 4.04%
ST. LOUIS, MO-IL (FHA|USDA|VA) 45 $29,845,000 $663,222 $3,267 4.08%
LOUISVILLE, KY (FHA|USDA|VA) 48 $27,090,000 $564,375 $3,667 4.10%
SALISBURY, MD-DE (FHA|USDA|VA) 37 $27,065,000 $731,486 $5,076 4.03%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 42 $27,020,000 $643,333 $3,315 4.03%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 29 $26,875,000 $926,724 $4,621 3.92%
Hilo, HI (FHA|USDA|VA) 17 $26,395,000 $1,552,647 $6,867 3.64%
Hailey, ID (FHA|USDA|VA) 13 $26,195,000 $2,015,000 $9,124 3.59%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 37 $26,055,000 $704,189 $3,763 3.93%
PROVO-OREM, UT (FHA|USDA|VA) 27 $25,845,000 $957,222 $4,231 3.38%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 23 $24,985,000 $1,086,304 $7,335 3.64%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 25 $24,825,000 $993,000 $4,155 4.01%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 39 $24,735,000 $634,231 $4,100 3.94%
KANSAS CITY, MO-KS (FHA|USDA|VA) 29 $24,575,000 $847,414 $3,127 3.69%
PORT ST. LUCIE, FL (FHA|USDA|VA) 32 $24,140,000 $754,375 $5,819 3.85%
NAPA, CA (FHA|USDA|VA) 20 $23,750,000 $1,187,500 $4,420 4.08%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 30 $22,480,000 $749,333 $4,293 3.67%
BELLINGHAM, WA (FHA|USDA|VA) 15 $22,195,000 $1,479,667 $3,643 4.45%
PITTSBURGH, PA (FHA|USDA|VA) 42 $21,900,000 $521,429 $5,515 4.24%
BEND, OR (FHA|USDA|VA) 32 $21,880,000 $683,750 $4,564 4.00%
Key West, FL (FHA|USDA|VA) 18 $21,640,000 $1,202,222 $6,139 3.57%
RICHMOND, VA (FHA|USDA|VA) 35 $21,305,000 $608,714 $4,172 4.32%
Truckee-Grass Valley, CA (FHA|USDA|VA) 24 $20,640,000 $860,000 $4,069 3.68%
Kalispell, MT (FHA|USDA|VA) 12 $19,530,000 $1,627,500 $6,765 3.46%
ASHEVILLE, NC (FHA|USDA|VA) 30 $19,360,000 $645,333 $3,932 3.57%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 18 $18,700,000 $1,038,889 $5,862 3.22%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 26 $18,150,000 $698,077 $4,304 4.04%
KNOXVILLE, TN (FHA|USDA|VA) 29 $18,085,000 $623,621 $4,237 4.13%
Whitewater, WI (FHA|USDA|VA) 16 $18,060,000 $1,128,750 $3,329 3.94%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 26 $17,970,000 $691,154 $4,532 3.94%
COLUMBUS, OH (FHA|USDA|VA) 34 $17,700,000 $520,588 $3,852 3.95%
ST. GEORGE, UT (FHA|USDA|VA) 16 $17,330,000 $1,083,125 $4,359 3.11%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 30 $17,070,000 $569,000 $5,404 4.14%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 25 $16,715,000 $668,600 $3,639 3.83%
WILMINGTON, NC (FHA|USDA|VA) 23 $16,665,000 $724,565 $3,922 3.96%
TUCSON, AZ (FHA|USDA|VA) 31 $16,475,000 $531,452 $3,746 3.67%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 13 $16,405,000 $1,261,923 $5,205 3.52%
Cullowhee, NC (FHA|USDA|VA) 15 $16,165,000 $1,077,667 $5,135 3.74%
Gardnerville Ranchos, NV (FHA|USDA|VA) 11 $16,025,000 $1,456,818 $5,266 3.71%
Durango, CO (FHA|USDA|VA) 14 $15,500,000 $1,107,143 $4,295 4.13%
BOISE CITY, ID (FHA|USDA|VA) 20 $15,100,000 $755,000 $5,290 4.31%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 24 $14,630,000 $609,583 $5,093 4.00%
Torrington, CT (FHA|USDA|VA) 14 $14,590,000 $1,042,143 $5,053 3.48%
Ellensburg, WA (FHA|USDA|VA) 12 $14,570,000 $1,214,167 $4,871 3.91%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 20 $14,360,000 $718,000 $6,006 3.88%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 27 $14,325,000 $530,556 $2,906 4.25%
WORCESTER, MA-CT (FHA|USDA|VA) 25 $14,265,000 $570,600 $4,019 4.12%
Traverse City, MI (FHA|USDA|VA) 16 $13,520,000 $845,000 $4,090 3.51%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 23 $13,495,000 $586,739 $3,395 4.16%
COLORADO SPRINGS, CO (FHA|USDA|VA) 19 $13,485,000 $709,737 $3,049 4.06%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 18 $12,780,000 $710,000 $4,144 4.27%
NILES, MI (FHA|USDA|VA) 12 $12,660,000 $1,055,000 $4,956 3.78%
FORT COLLINS, CO (FHA|USDA|VA) 21 $12,625,000 $601,190 $3,345 3.83%
SAVANNAH, GA (FHA|USDA|VA) 19 $12,485,000 $657,105 $4,332 3.86%
Lebanon, NH-VT (FHA|USDA|VA) 17 $12,335,000 $725,588 $4,524 3.79%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 18 $12,320,000 $684,444 $4,949 3.42%
Outside of Metro Areas 16 $12,310,000 $769,375 $4,858 3.80%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 14 $12,250,000 $875,000 $6,330 3.64%
Steamboat Springs, CO (FHA|USDA|VA) 11 $11,955,000 $1,086,818 $3,665 3.41%
OKLAHOMA CITY, OK (FHA|USDA|VA) 16 $11,530,000 $720,625 $4,174 3.76%
KINGSTON, NY (FHA|USDA|VA) 17 $11,355,000 $667,941 $5,356 3.45%
Easton, MD (FHA|USDA|VA) 13 $11,245,000 $865,000 $4,833 4.40%
Laconia, NH (FHA|USDA|VA) 9 $11,005,000 $1,222,778 $4,732 3.64%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 19 $11,005,000 $579,211 $3,336 3.79%
BATON ROUGE, LA (FHA|USDA|VA) 16 $10,960,000 $685,000 $5,029 3.99%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 13 $10,325,000 $794,231 $4,800 3.79%
SALEM, OR (FHA|USDA|VA) 6 $10,050,000 $1,675,000 $4,310 4.22%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 19 $9,865,000 $519,211 $4,097 3.95%
Kapaa, HI (FHA|USDA|VA) 4 $9,500,000 $2,375,000 $6,091 3.51%
MADISON, WI (FHA|USDA|VA) 20 $9,380,000 $469,000 $3,146 4.21%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 15 $9,085,000 $605,667 $3,671 3.48%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 16 $9,030,000 $564,375 $3,879 4.28%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 14 $8,930,000 $637,857 $3,258 4.24%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 18 $8,650,000 $480,556 $3,645 4.11%
HUNTSVILLE, AL (FHA|USDA|VA) 15 $8,445,000 $563,000 $3,267 4.07%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 12 $8,410,000 $700,833 $6,591 4.27%
Georgetown, SC (FHA|USDA|VA) 7 $8,195,000 $1,170,714 $5,868 3.90%
BRUNSWICK, GA (FHA|USDA|VA) 8 $7,890,000 $986,250 $5,822 3.41%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 11 $7,735,000 $703,182 $3,215 4.32%
THE VILLAGES, FL (FHA|USDA|VA) 14 $7,530,000 $537,857 $4,583 4.15%
ALBUQUERQUE, NM (FHA|USDA|VA) 17 $7,515,000 $442,059 $4,089 4.19%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 10 $7,350,000 $735,000 $4,805 4.38%
Hudson, NY (FHA|USDA|VA) 7 $6,995,000 $999,286 $7,903 3.41%
PUNTA GORDA, FL (FHA|USDA|VA) 13 $6,935,000 $533,462 $4,674 3.88%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 12 $6,910,000 $575,833 $3,475 4.45%
ROCHESTER, NY (FHA|USDA|VA) 15 $6,635,000 $442,333 $5,063 4.06%
Oak Harbor, WA (FHA|USDA|VA) 8 $6,530,000 $816,250 $4,054 4.04%
SYRACUSE, NY (FHA|USDA|VA) 6 $6,430,000 $1,071,667 $7,812 4.22%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 11 $6,275,000 $570,455 $3,779 4.46%
ANCHORAGE, AK (FHA|USDA|VA) 8 $6,240,000 $780,000 $4,398 3.90%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 11 $6,205,000 $564,091 $3,447 3.85%
WENATCHEE, WA (FHA|USDA|VA) 7 $6,175,000 $882,143 $3,966 3.61%
Athens, TX (FHA|USDA|VA) 6 $6,120,000 $1,020,000 $9,408 4.07%
MOBILE, AL (FHA|USDA|VA) 9 $5,875,000 $652,778 $3,585 4.25%
PITTSFIELD, MA (FHA|USDA|VA) 9 $5,775,000 $641,667 $4,572 3.56%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 11 $5,735,000 $521,364 $3,008 4.31%
MODESTO, CA (FHA|USDA|VA) 7 $5,655,000 $807,857 $3,565 3.99%
GREELEY, CO (FHA|USDA|VA) 11 $5,595,000 $508,636 $3,002 4.28%
Morehead City, NC (FHA|USDA|VA) 6 $5,570,000 $928,333 $3,893 3.57%
FLAGSTAFF, AZ (FHA|USDA|VA) 9 $5,455,000 $606,111 $3,852 4.03%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 8 $5,440,000 $680,000 $4,286 4.28%
WICHITA, KS (FHA|USDA|VA) 9 $5,415,000 $601,667 $3,186 3.96%
Toccoa, GA (FHA|USDA|VA) 1 $5,255,000 $5,255,000 $0 5.84%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 10 $5,140,000 $514,000 $3,512 4.27%
Concord, NH (FHA|USDA|VA) 8 $5,070,000 $633,750 $3,824 4.28%
Brevard, NC (FHA|USDA|VA) 6 $4,980,000 $830,000 $6,121 3.71%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 8 $4,900,000 $612,500 $4,128 3.96%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 8 $4,880,000 $610,000 $5,640 3.80%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 8 $4,850,000 $606,250 $3,851 3.57%
ROANOKE, VA (FHA|USDA|VA) 8 $4,810,000 $601,250 $3,563 3.82%
CORPUS CHRISTI, TX (FHA|USDA|VA) 6 $4,780,000 $796,667 $7,567 3.95%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 9 $4,675,000 $519,444 $4,479 4.83%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 5 $4,675,000 $935,000 $4,090 4.67%
LAKE CHARLES, LA (FHA|USDA|VA) 5 $4,555,000 $911,000 $6,032 3.43%
COLUMBIA, SC (FHA|USDA|VA) 8 $4,510,000 $563,750 $3,676 4.26%
ANN ARBOR, MI (FHA|USDA|VA) 10 $4,470,000 $447,000 $3,299 3.94%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 8 $4,410,000 $551,250 $4,932 3.43%
OCALA, FL (FHA|USDA|VA) 5 $4,385,000 $877,000 $5,545 4.25%
EAST STROUDSBURG, PA (FHA|USDA|VA) 9 $4,365,000 $485,000 $5,578 3.89%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 11 $4,345,000 $395,000 $2,773 4.25%
Seneca, SC (FHA|USDA|VA) 4 $4,340,000 $1,085,000 $4,982 2.99%
TYLER, TX (FHA|USDA|VA) 6 $4,290,000 $715,000 $6,271 3.94%
Kill Devil Hills, NC (FHA|USDA|VA) 5 $4,255,000 $851,000 $7,297 3.60%
Alexander City, AL (FHA|USDA|VA) 5 $4,145,000 $829,000 $3,898 3.65%
TUSCALOOSA, AL (FHA|USDA|VA) 8 $4,130,000 $516,250 $3,045 3.97%
LANCASTER, PA (FHA|USDA|VA) 9 $4,095,000 $455,000 $5,106 4.79%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 8 $4,090,000 $511,250 $3,442 4.01%
VISALIA, CA (FHA|USDA|VA) 2 $4,070,000 $2,035,000 $7,791 3.55%
LAFAYETTE, LA (FHA|USDA|VA) 6 $4,040,000 $673,333 $4,767 4.08%
Fredericksburg, TX (FHA|USDA|VA) 4 $4,020,000 $1,005,000 $6,044 3.66%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $3,995,000 $3,995,000 $24,130 2.30%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 5 $3,825,000 $765,000 $8,717 3.66%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 7 $3,805,000 $543,571 $4,078 4.23%
WINSTON-SALEM, NC (FHA|USDA|VA) 7 $3,755,000 $536,429 $5,150 3.74%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 8 $3,750,000 $468,750 $4,500 3.44%
VALLEJO, CA (FHA|USDA|VA) 6 $3,700,000 $616,667 $3,554 3.77%
PANAMA CITY, FL (FHA|USDA|VA) 9 $3,685,000 $409,444 $4,350 4.33%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 5 $3,665,000 $733,000 $3,469 4.69%
Boone, NC (FHA|USDA|VA) 7 $3,635,000 $519,286 $3,429 2.98%
FRESNO, CA (FHA|USDA|VA) 8 $3,620,000 $452,500 $3,514 4.12%
MIDLAND, TX (FHA|USDA|VA) 7 $3,515,000 $502,143 $5,817 4.46%
YAKIMA, WA (FHA|USDA|VA) 4 $3,440,000 $860,000 $4,416 3.11%
GREEN BAY, WI (FHA|USDA|VA) 12 $3,430,000 $285,833 $2,645 4.68%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 6 $3,360,000 $560,000 $3,534 3.99%
TOLEDO, OH (FHA|USDA|VA) 8 $3,320,000 $415,000 $3,656 4.78%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 6 $3,230,000 $538,333 $5,618 3.54%
Keene, NH (FHA|USDA|VA) 6 $3,220,000 $536,667 $3,395 4.37%
Eureka-Arcata, CA (FHA|USDA|VA) 5 $3,175,000 $635,000 $3,830 4.75%
Bennington, VT (FHA|USDA|VA) 5 $3,155,000 $631,000 $5,054 3.47%
MONTGOMERY, AL (FHA|USDA|VA) 5 $3,145,000 $629,000 $3,404 3.04%
GAINESVILLE, GA (FHA|USDA|VA) 5 $3,145,000 $629,000 $4,019 4.35%
MEDFORD, OR (FHA|USDA|VA) 5 $3,095,000 $619,000 $4,690 3.18%
JACKSONVILLE, NC (FHA|USDA|VA) 4 $3,030,000 $757,500 $3,395 3.34%
MISSOULA, MT (FHA|USDA|VA) 4 $2,980,000 $745,000 $4,691 3.93%
TALLAHASSEE, FL (FHA|USDA|VA) 6 $2,980,000 $496,667 $4,694 3.88%
Brenham, TX (FHA|USDA|VA) 2 $2,930,000 $1,465,000 $10,026 4.20%
AKRON, OH (FHA|USDA|VA) 5 $2,875,000 $575,000 $4,258 3.88%
BOWLING GREEN, KY (FHA|USDA|VA) 4 $2,840,000 $710,000 $3,579 3.13%
TULSA, OK (FHA|USDA|VA) 6 $2,770,000 $461,667 $4,018 4.04%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 5 $2,675,000 $535,000 $3,352 4.76%
Warsaw, IN (FHA|USDA|VA) 3 $2,655,000 $885,000 $2,935 3.73%
SPRINGFIELD, MA (FHA|USDA|VA) 6 $2,640,000 $440,000 $3,337 3.63%
GAINESVILLE, FL (FHA|USDA|VA) 6 $2,640,000 $440,000 $5,415 4.36%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 4 $2,610,000 $652,500 $3,406 4.38%
STOCKTON, CA (FHA|USDA|VA) 4 $2,590,000 $647,500 $3,897 3.61%
FAYETTEVILLE, NC (FHA|USDA|VA) 5 $2,565,000 $513,000 $3,968 4.30%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 7 $2,555,000 $365,000 $4,434 4.57%
AMARILLO, TX (FHA|USDA|VA) 4 $2,520,000 $630,000 $6,185 4.25%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 3 $2,505,000 $835,000 $3,307 4.24%
Mineral Wells, TX (FHA|USDA|VA) 3 $2,485,000 $828,333 $7,753 3.25%
TOPEKA, KS (FHA|USDA|VA) 3 $2,425,000 $808,333 $3,081 4.03%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 4 $2,400,000 $600,000 $3,936 3.71%
Prineville, OR (FHA|USDA|VA) 3 $2,365,000 $788,333 $4,797 3.92%
Montrose, CO (FHA|USDA|VA) 2 $2,310,000 $1,155,000 $5,270 3.55%
Sevierville, TN (FHA|USDA|VA) 3 $2,305,000 $768,333 $4,350 2.85%
CHARLESTON, WV (FHA|USDA|VA) 4 $2,240,000 $560,000 $3,880 4.70%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 4 $2,230,000 $557,500 $4,394 3.89%
EL PASO, TX (FHA|USDA|VA) 4 $2,230,000 $557,500 $5,891 4.76%
GLENS FALLS, NY (FHA|USDA|VA) 4 $2,150,000 $537,500 $5,435 3.80%
Clearlake, CA (FHA|USDA|VA) 2 $2,090,000 $1,045,000 $6,045 3.20%
Aberdeen, WA (FHA|USDA|VA) 2 $2,090,000 $1,045,000 $4,504 4.25%
Rockport, TX (FHA|USDA|VA) 4 $2,020,000 $505,000 $4,505 3.95%
READING, PA (FHA|USDA|VA) 3 $2,015,000 $671,667 $6,065 4.28%
Astoria, OR (FHA|USDA|VA) 3 $2,015,000 $671,667 $3,915 5.11%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $1,975,000 $658,333 $3,313 3.35%
BILLINGS, MT (FHA|USDA|VA) 3 $1,955,000 $651,667 $4,218 3.35%
LOGAN, UT-ID (FHA|USDA|VA) 2 $1,800,000 $900,000 $4,091 2.83%
Marion, NC (FHA|USDA|VA) 1 $1,705,000 $1,705,000 $5,656 2.75%
MORGANTOWN, WV (FHA|USDA|VA) 2 $1,660,000 $830,000 $4,400 2.65%
DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $1,640,000 $410,000 $3,501 4.89%
YORK-HANOVER, PA (FHA|USDA|VA) 4 $1,630,000 $407,500 $4,452 4.29%
APPLETON, WI (FHA|USDA|VA) 4 $1,620,000 $405,000 $3,233 3.75%
Payson, AZ (FHA|USDA|VA) 3 $1,545,000 $515,000 $4,293 4.33%
STATE COLLEGE, PA (FHA|USDA|VA) 4 $1,540,000 $385,000 $4,486 4.81%
Brainerd, MN (FHA|USDA|VA) 2 $1,500,000 $750,000 $4,461 3.65%
CHICO, CA (FHA|USDA|VA) 3 $1,475,000 $491,667 $3,642 4.03%
Berlin, NH (FHA|USDA|VA) 3 $1,455,000 $485,000 $3,243 3.60%
LUBBOCK, TX (FHA|USDA|VA) 3 $1,455,000 $485,000 $5,021 4.68%
Holland, MI (FHA|USDA|VA) 3 $1,405,000 $468,333 $3,272 4.12%
Kerrville, TX (FHA|USDA|VA) 2 $1,370,000 $685,000 $6,678 4.23%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 4 $1,370,000 $342,500 $5,158 4.36%
Shelton, WA (FHA|USDA|VA) 2 $1,370,000 $685,000 $3,833 4.50%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $1,355,000 $1,355,000 $17,344 2.90%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $1,325,000 $1,325,000 $4,504 3.05%
WALLA WALLA, WA (FHA|USDA|VA) 2 $1,320,000 $660,000 $3,384 3.20%
GREAT FALLS, MT (FHA|USDA|VA) 3 $1,305,000 $435,000 $4,095 4.48%
HATTIESBURG, MS (FHA|USDA|VA) 2 $1,300,000 $650,000 $3,820 4.25%
DULUTH, MN-WI (FHA|USDA|VA) 2 $1,300,000 $650,000 $3,650 4.18%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $1,295,000 $431,667 $2,904 4.67%
REDDING, CA (FHA|USDA|VA) 3 $1,255,000 $418,333 $3,023 3.48%
Gainesville, TX (FHA|USDA|VA) 2 $1,250,000 $625,000 $6,934 4.29%
Centralia, WA (FHA|USDA|VA) 2 $1,240,000 $620,000 $3,714 3.58%
SHEBOYGAN, WI (FHA|USDA|VA) 4 $1,230,000 $307,500 $2,425 3.64%
BANGOR, ME (FHA|USDA|VA) 2 $1,220,000 $610,000 $3,318 4.08%
Corning, NY (FHA|USDA|VA) 2 $1,220,000 $610,000 $6,973 4.85%
Sheridan, WY (FHA|USDA|VA) 2 $1,180,000 $590,000 $3,476 3.28%
Newport, OR (FHA|USDA|VA) 2 $1,180,000 $590,000 $4,569 3.90%
Mason City, IA (FHA|USDA|VA) 1 $1,175,000 $1,175,000 $4,766 2.85%
Roseburg, OR (FHA|USDA|VA) 2 $1,170,000 $585,000 $4,652 2.88%
Show Low, AZ (FHA|USDA|VA) 2 $1,150,000 $575,000 $3,232 3.43%
ST. CLOUD, MN (FHA|USDA|VA) 2 $1,150,000 $575,000 $3,390 4.85%
Los Alamos, NM (FHA|USDA|VA) 2 $1,140,000 $570,000 $3,625 3.18%
HARRISONBURG, VA (FHA|USDA|VA) 2 $1,140,000 $570,000 $3,498 3.15%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 3 $1,135,000 $378,333 $2,204 5.07%
Baraboo, WI (FHA|USDA|VA) 3 $1,125,000 $375,000 $3,187 5.72%
Nogales, AZ (FHA|USDA|VA) 2 $1,120,000 $560,000 $4,014 2.70%
MERCED, CA (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $5,084 4.05%
Nacogdoches, TX (FHA|USDA|VA) 2 $1,100,000 $550,000 $6,522 3.58%
RACINE, WI (FHA|USDA|VA) 3 $1,095,000 $365,000 $2,840 3.98%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $1,085,000 $1,085,000 $4,606 2.85%
Cedar City, UT (FHA|USDA|VA) 2 $1,080,000 $540,000 $3,584 3.18%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 4 $1,080,000 $270,000 $2,970 4.53%
Barre, VT (FHA|USDA|VA) 3 $1,075,000 $358,333 $3,951 4.01%
Oxford, MS (FHA|USDA|VA) 2 $1,070,000 $535,000 $4,167 4.39%
FOND DU LAC, WI (FHA|USDA|VA) 2 $1,070,000 $535,000 $2,502 3.35%
MADERA, CA (FHA|USDA|VA) 2 $1,050,000 $525,000 $3,469 3.58%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 3 $1,035,000 $345,000 $3,379 4.12%
COLUMBUS, GA-AL (FHA|USDA|VA) 3 $1,035,000 $345,000 $3,758 5.80%
JACKSON, MS (FHA|USDA|VA) 2 $1,030,000 $515,000 $4,043 4.90%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $1,010,000 $505,000 $4,813 3.93%
Moscow, ID (FHA|USDA|VA) 2 $1,010,000 $505,000 $3,987 5.30%
Bartlesville, OK (FHA|USDA|VA) 1 $995,000 $995,000 $5,619 2.95%
ROCHESTER, MN (FHA|USDA|VA) 3 $985,000 $328,333 $3,284 3.72%
Glasgow, KY (FHA|USDA|VA) 1 $965,000 $965,000 $4,842 2.95%
Rutland, VT (FHA|USDA|VA) 2 $950,000 $475,000 $5,109 4.73%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $945,000 $945,000 $4,086 4.45%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 4 $940,000 $235,000 $3,002 4.76%
RAPID CITY, SD (FHA|USDA|VA) 1 $935,000 $935,000 $4,123 2.60%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $920,000 $460,000 $3,096 3.15%
MIDLAND, MI (FHA|USDA|VA) 1 $895,000 $895,000 $3,818 2.30%
Milledgeville, GA (FHA|USDA|VA) 2 $890,000 $445,000 $3,590 2.95%
Danville, VA (FHA|USDA|VA) 1 $885,000 $885,000 $3,124 3.00%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 2 $880,000 $440,000 $5,681 4.05%
BECKLEY, WV (FHA|USDA|VA) 2 $880,000 $440,000 $3,448 4.08%
Coos Bay, OR (FHA|USDA|VA) 2 $860,000 $430,000 $4,190 4.33%
Pontiac, IL (FHA|USDA|VA) 2 $850,000 $425,000 $2,602 4.28%
Port Angeles, WA (FHA|USDA|VA) 2 $830,000 $415,000 $3,834 6.68%
GREENVILLE, NC (FHA|USDA|VA) 2 $820,000 $410,000 $3,091 5.13%
Augusta-Waterville, ME (FHA|USDA|VA) 2 $820,000 $410,000 $3,234 3.58%
EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $800,000 $400,000 $3,009 4.80%
JACKSON, MI (FHA|USDA|VA) 2 $800,000 $400,000 $3,391 3.90%
ERIE, PA (FHA|USDA|VA) 2 $800,000 $400,000 $4,377 3.53%
Albertville, AL (FHA|USDA|VA) 1 $775,000 $775,000 $3,599 3.30%
ABILENE, TX (FHA|USDA|VA) 1 $765,000 $765,000 $6,907 3.05%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $760,000 $380,000 $3,799 3.93%
Plymouth, IN (FHA|USDA|VA) 1 $745,000 $745,000 $3,307 2.70%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $735,000 $735,000 $2,730 2.95%
Marquette, MI (FHA|USDA|VA) 1 $735,000 $735,000 $3,462 2.65%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $730,000 $365,000 $2,709 5.18%
UTICA-ROME, NY (FHA|USDA|VA) 2 $730,000 $365,000 $5,433 3.90%
MONROE, MI (FHA|USDA|VA) 2 $720,000 $360,000 $2,585 3.60%
Ukiah, CA (FHA|USDA|VA) 1 $715,000 $715,000 $3,868 4.60%
Maysville, KY (FHA|USDA|VA) 1 $705,000 $705,000 $4,579 5.50%
BLOOMINGTON, IN (FHA|USDA|VA) 3 $705,000 $235,000 $2,544 4.55%
NEW BERN, NC (FHA|USDA|VA) 2 $680,000 $340,000 $3,208 4.05%
Butte-Silver Bow, MT (FHA|USDA|VA) 1 $675,000 $675,000 $3,187 2.90%
JONESBORO, AR (FHA|USDA|VA) 1 $665,000 $665,000 $3,639 3.10%
PEORIA, IL (FHA|USDA|VA) 3 $655,000 $218,333 $2,382 5.32%
Gloversville, NY (FHA|USDA|VA) 1 $655,000 $655,000 $5,722 2.35%
Taos, NM (FHA|USDA|VA) 1 $645,000 $645,000 $9,173 3.05%
Grand Rapids, MN (FHA|USDA|VA) 1 $635,000 $635,000 $3,948 4.15%
Manitowoc, WI (FHA|USDA|VA) 1 $625,000 $625,000 $2,864 2.50%
GETTYSBURG, PA (FHA|USDA|VA) 1 $625,000 $625,000 $5,941 4.23%
ROCKFORD, IL (FHA|USDA|VA) 2 $620,000 $310,000 $3,383 4.65%
Angola, IN (FHA|USDA|VA) 1 $615,000 $615,000 $2,675 3.00%
Granbury, TX (FHA|USDA|VA) 1 $595,000 $595,000 $7,549 2.90%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $590,000 $295,000 $3,216 3.98%
Moses Lake, WA (FHA|USDA|VA) 1 $575,000 $575,000 $3,246 4.90%
FARGO, ND-MN (FHA|USDA|VA) 1 $565,000 $565,000 $3,676 3.45%
FARMINGTON, NM (FHA|USDA|VA) 1 $565,000 $565,000 $4,952 4.85%
Salem, OH (FHA|USDA|VA) 1 $565,000 $565,000 $3,074 4.10%
Bemidji, MN (FHA|USDA|VA) 2 $560,000 $280,000 $3,694 3.88%
Adrian, MI (FHA|USDA|VA) 1 $555,000 $555,000 $3,197 2.50%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $555,000 $555,000 $3,381 4.40%
Newberry, SC (FHA|USDA|VA) 1 $555,000 $555,000 $3,957 4.30%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $555,000 $555,000 $5,214 5.05%
Brookings, OR (FHA|USDA|VA) 1 $555,000 $555,000 $3,470 4.20%
GRANTS PASS, OR (FHA|USDA|VA) 1 $555,000 $555,000 $3,370 2.95%
Hood River, OR (FHA|USDA|VA) 1 $555,000 $555,000 $4,600 3.10%
BISMARCK, ND (FHA|USDA|VA) 1 $545,000 $545,000 $3,870 3.40%
STAUNTON, VA (FHA|USDA|VA) 1 $535,000 $535,000 $3,359 3.10%
MORRISTOWN, TN (FHA|USDA|VA) 1 $525,000 $525,000 $3,802 2.60%
St. Marys, GA (FHA|USDA|VA) 1 $525,000 $525,000 $4,223 4.25%
Cañon City, CO (FHA|USDA|VA) 1 $525,000 $525,000 $3,058 4.70%
Bellefontaine, OH (FHA|USDA|VA) 1 $525,000 $525,000 $3,642 2.35%
Athens, TN (FHA|USDA|VA) 1 $525,000 $525,000 $4,093 4.15%
Menomonie, WI (FHA|USDA|VA) 1 $515,000 $515,000 $3,082 3.75%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $515,000 $515,000 $4,124 2.95%
Wooster, OH (FHA|USDA|VA) 1 $515,000 $515,000 $3,381 3.80%
Alexandria, MN (FHA|USDA|VA) 1 $515,000 $515,000 $3,661 4.45%
Oneonta, NY (FHA|USDA|VA) 1 $515,000 $515,000 $4,569 2.65%
DECATUR, AL (FHA|USDA|VA) 1 $515,000 $515,000 $2,942 4.60%
Richmond-Berea, KY (FHA|USDA|VA) 1 $515,000 $515,000 $4,027 3.00%
ROME, GA (FHA|USDA|VA) 1 $515,000 $515,000 $3,951 5.35%
WACO, TX (FHA|USDA|VA) 1 $515,000 $515,000 $5,221 4.65%
Helena, MT (FHA|USDA|VA) 1 $515,000 $515,000 $4,082 3.00%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $515,000 $515,000 $3,097 2.85%
TWIN FALLS, ID (FHA|USDA|VA) 1 $515,000 $515,000 $4,656 2.95%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $515,000 $515,000 $2,906 4.35%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $515,000 $515,000 $3,712 2.25%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $515,000 $515,000 $4,594 5.50%
Spirit Lake, IA (FHA|USDA|VA) 1 $515,000 $515,000 $2,868 2.75%
ITHACA, NY (FHA|USDA|VA) 1 $515,000 $515,000 $5,623 4.25%
Auburn, IN (FHA|USDA|VA) 1 $505,000 $505,000 $2,352 3.55%
Enterprise, AL (FHA|USDA|VA) 1 $495,000 $495,000 $3,398 5.55%
Tahlequah, OK (FHA|USDA|VA) 2 $490,000 $245,000 $3,320 4.15%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $485,000 $485,000 $5,920 5.65%
MANKATO, MN (FHA|USDA|VA) 1 $485,000 $485,000 $3,595 2.80%
Greenwood, SC (FHA|USDA|VA) 1 $475,000 $475,000 $2,854 3.50%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 2 $470,000 $235,000 $3,082 4.43%
ALTOONA, PA (FHA|USDA|VA) 1 $445,000 $445,000 $4,963 3.95%
DECATUR, IL (FHA|USDA|VA) 1 $445,000 $445,000 $2,302 4.90%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $440,000 $220,000 $4,068 5.08%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $435,000 $435,000 $5,105 4.65%
Mount Vernon, IL (FHA|USDA|VA) 1 $425,000 $425,000 $2,602 5.45%
Sayre, PA (FHA|USDA|VA) 2 $420,000 $210,000 $3,777 4.20%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $410,000 $205,000 $2,368 5.53%
Ottawa, IL (FHA|USDA|VA) 2 $400,000 $200,000 $3,905 4.65%
Klamath Falls, OR (FHA|USDA|VA) 1 $395,000 $395,000 $4,065 4.85%
Jefferson, GA (FHA|USDA|VA) 1 $385,000 $385,000 $3,754 5.45%
Juneau, AK (FHA|USDA|VA) 1 $385,000 $385,000 $3,971 5.20%
CARSON CITY, NV (FHA|USDA|VA) 1 $375,000 $375,000 $3,437 4.15%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $375,000 $375,000 $3,866 4.60%
Fergus Falls, MN (FHA|USDA|VA) 1 $375,000 $375,000 $3,574 4.75%
Ontario, OR-ID (FHA|USDA|VA) 1 $375,000 $375,000 $4,290 3.20%
LYNCHBURG, VA (FHA|USDA|VA) 1 $375,000 $375,000 $3,021 4.68%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $365,000 $365,000 $2,585 2.50%
SPRINGFIELD, MO (FHA|USDA|VA) 2 $360,000 $180,000 $2,838 4.68%
Ruidoso, NM (FHA|USDA|VA) 1 $355,000 $355,000 $2,170 3.30%
Athens, OH (FHA|USDA|VA) 1 $355,000 $355,000 $3,869 4.55%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $345,000 $345,000 $3,433 4.50%
Cambridge, OH (FHA|USDA|VA) 1 $345,000 $345,000 $3,371 4.15%
Sonora, CA (FHA|USDA|VA) 1 $345,000 $345,000 $2,684 4.90%
SAN ANGELO, TX (FHA|USDA|VA) 1 $345,000 $345,000 $4,686 4.55%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $335,000 $335,000 $2,428 2.95%
FLINT, MI (FHA|USDA|VA) 1 $335,000 $335,000 $3,102 3.75%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $325,000 $325,000 $2,528 6.00%
JACKSON, TN (FHA|USDA|VA) 1 $325,000 $325,000 $3,439 2.85%
Marinette, WI-MI (FHA|USDA|VA) 2 $320,000 $160,000 $2,449 5.25%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $315,000 $315,000 $4,529 3.50%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $315,000 $315,000 $3,807 5.10%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $315,000 $315,000 $2,464 4.90%
Durant, OK (FHA|USDA|VA) 1 $305,000 $305,000 $3,479 4.65%
YUBA CITY, CA (FHA|USDA|VA) 1 $305,000 $305,000 $2,857 3.85%
VALDOSTA, GA (FHA|USDA|VA) 1 $285,000 $285,000 $3,449 4.90%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $2,557 3.65%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $285,000 $285,000 $3,306 3.55%
Searcy, AR (FHA|USDA|VA) 1 $285,000 $285,000 $2,902 3.95%
Auburn, NY (FHA|USDA|VA) 1 $285,000 $285,000 $4,722 5.30%
Madison, IN (FHA|USDA|VA) 2 $280,000 $140,000 $2,634 5.65%
Washington, NC (FHA|USDA|VA) 1 $275,000 $275,000 $3,026 3.30%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $275,000 $275,000 $3,150 3.15%
ODESSA, TX (FHA|USDA|VA) 2 $270,000 $135,000 $3,284 3.90%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $265,000 $265,000 $3,089 4.65%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $255,000 $255,000 $3,111 4.90%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $255,000 $255,000 $3,702 5.70%
DOVER, DE (FHA|USDA|VA) 1 $255,000 $255,000 $3,487 3.65%
LAREDO, TX (FHA|USDA|VA) 1 $245,000 $245,000 $3,226 3.50%
Cambridge, MD (FHA|USDA|VA) 1 $245,000 $245,000 $2,576 4.95%
Hillsdale, MI (FHA|USDA|VA) 1 $225,000 $225,000 $2,776 3.60%
Batavia, NY (FHA|USDA|VA) 1 $225,000 $225,000 $5,071 4.80%
Statesboro, GA (FHA|USDA|VA) 1 $225,000 $225,000 $3,004 5.88%
CHEYENNE, WY (FHA|USDA|VA) 1 $215,000 $215,000 $3,765 3.65%
Sunbury, PA (FHA|USDA|VA) 1 $215,000 $215,000 $3,660 6.05%
LAS CRUCES, NM (FHA|USDA|VA) 1 $205,000 $205,000 $2,879 3.70%
Clarksburg, WV (FHA|USDA|VA) 1 $205,000 $205,000 $3,474 5.65%
Pottsville, PA (FHA|USDA|VA) 1 $205,000 $205,000 $4,077 5.90%
LAWRENCE, KS (FHA|USDA|VA) 1 $205,000 $205,000 $2,268 4.95%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $205,000 $205,000 $3,646 4.85%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $195,000 $195,000 $2,946 7.85%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $185,000 $185,000 $2,613 5.20%
Jasper, AL (FHA|USDA|VA) 1 $175,000 $175,000 $2,524 5.90%
CASPER, WY (FHA|USDA|VA) 1 $175,000 $175,000 $2,384 5.45%
Salina, KS (FHA|USDA|VA) 1 $175,000 $175,000 $1,960 4.40%
Marietta, OH (FHA|USDA|VA) 1 $175,000 $175,000 $3,059 5.85%
BINGHAMTON, NY (FHA|USDA|VA) 1 $155,000 $155,000 $5,027 4.50%
MUSKEGON, MI (FHA|USDA|VA) 1 $145,000 $145,000 $2,446 5.05%
Ponca City, OK (FHA|USDA|VA) 1 $125,000 $125,000 $2,913 5.75%
Sault Ste. Marie, MI (FHA|USDA|VA) 1 $95,000 $95,000 $2,711 5.35%
Duncan, OK (FHA|USDA|VA) 1 $85,000 $85,000 $2,659 5.15%
Morgan Stanley Private Bank's top markets include New York, Los Angeles, Miami, San Francisco, and Seattle among others.

Their top states include:
  • California (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 13,617 $15,352,045,000 $1,127,418 $5,632 3.72%
    HELOC 243 $138,585,000 $570,309 n/a 6.25%

    For 2022, Morgan Stanley Private Bank's most frequently originated type of loan was Conventional, with 13,617 originations. Their 2nd most popular type was HELOC, with 243 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 6,564 $7,205,440,000 $1,097,721 $6,158 3.98%
    Other 4,005 $4,545,535,000 $1,134,965 $5,202 3.72%
    Refi 1,535 $1,727,525,000 $1,125,423 $4,960 3.10%
    Cash Out Refi 1,474 $1,839,450,000 $1,247,931 $5,259 3.42%
    Home Improvement 282 $172,680,000 $612,340 $4,671 4.63%

    For 2022, Morgan Stanley Private Bank's most frequently cited loan purpose was Home Purchase, with 6,564 originations. The 2nd most popular reason was Other, with 4,005 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 13,166 $14,472,820,000 $1,099,257 $5,663 3.73%
    15 Year 442 $315,480,000 $713,756 $4,724 3.42%
    Other 243 $138,585,000 $570,309 $0 6.25%
    5 Year 6 $369,980,000 $61,663,333 $0 3.85%
    10 Year 3 $193,765,000 $64,588,333 $0 3.47%

    For 2022, Morgan Stanley Private Bank's most frequently cited loan duration was 30 Year, with 13,166 originations. The 2nd most popular length was 15 Year, with 442 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 13,591 $14,771,975,000 $1,086,894
    $5k+ 11 $13,765,000 $1,251,364
    $2k-3k 2 $730,000 $365,000
    $3k-4k 2 $760,000 $380,000
    $4k-5k 2 $1,070,000 $535,000

    Morgan Stanley Private Bank's average total fees were $5,663, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 13,591 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 4,320 $4,144,270,000 $959,322
    2.5-3% 3,479 $4,299,095,000 $1,235,727
    3-4% 3,434 $3,842,590,000 $1,118,984
    5-6% 1,343 $931,375,000 $693,503
    <2.5% 1,059 $2,182,235,000 $2,060,656
    6-7% 143 $52,205,000 $365,070
    7-8% 57 $25,515,000 $447,632
    Over 8% 25 $13,345,000 $533,800

    During 2022, Morgan Stanley Private Bank's average interest rate for loans was 3.73%, while their most frequently originated rate bucket for loans was 4-5%, with 4,320 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 4,683 $10,194,965,000 $2,177,016 $7,922 3.45%
    $600k-1MM 4,051 $3,072,055,000 $758,345 $4,987 3.66%
    $400k-600k 3,316 $1,731,370,000 $522,126 $4,275 3.85%
    $200k-400k 1,560 $456,020,000 $292,321 $3,551 4.47%
    $100k-200k 224 $34,260,000 $152,946 $3,094 5.33%
    $100,000 or less 26 $1,960,000 $75,385 $2,943 6.35%

    2022 saw Morgan Stanley Private Bank place emphasis on $1MM+ loans with 4,683 originations, totaling $10,194,965,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 7,580 $10,635,030,000 $1,403,038 $6,450 3.62%
    $150k-250k 2,894 $1,808,500,000 $624,914 $4,493 3.89%
    $100k-150k 1,286 $618,610,000 $481,034 $4,052 4.07%
    $75k-100k 432 $150,490,000 $348,356 $3,601 4.37%
    $50k-75k 207 $53,165,000 $256,836 $3,311 4.63%
    $50k or less 34 $6,720,000 $197,647 $3,084 4.51%

    Morgan Stanley Private Bank lent most frequently to those with incomes in the $250k+ range, with 7,580 originations. The second most popular income band? $150k-250k, with 2,894 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 3,090 $3,065,200,000 $991,974 $5,410 3.69%
    30-36% 2,480 $2,471,640,000 $996,629 $5,404 3.72%
    <20% 1,613 $1,541,905,000 $955,924 $5,358 3.59%
    50-60% 891 $1,249,595,000 $1,402,464 $6,330 3.80%
    37% 526 $536,830,000 $1,020,589 $5,544 3.83%
    39% 499 $553,095,000 $1,108,407 $5,738 3.83%
    41% 486 $507,370,000 $1,043,971 $5,559 3.79%
    36% 482 $486,620,000 $1,009,585 $5,473 3.78%
    43% 472 $569,310,000 $1,206,165 $5,897 3.90%
    40% 454 $485,860,000 $1,070,176 $5,580 3.96%
    38% 454 $489,030,000 $1,077,159 $5,646 3.82%
    42% 438 $466,250,000 $1,064,498 $5,747 3.91%
    44% 396 $478,270,000 $1,207,753 $5,894 3.82%
    45% 302 $370,340,000 $1,226,291 $5,951 3.87%
    48% 299 $322,515,000 $1,078,645 $5,803 3.93%
    46% 294 $317,780,000 $1,080,884 $5,955 3.97%
    49% 291 $282,975,000 $972,423 $5,435 4.03%
    47% 266 $317,540,000 $1,193,759 $5,914 3.84%
    >60% 13 $24,415,000 $1,878,077 $7,430 3.54%

    Morgan Stanley Private Bank lent most frequently to those with DTI ratios of 20-30%, with 3,090 originations. The next most common DTI ratio? 30-36%, with 2,480 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 10,972 $11,205,110,000 $1,021,246 $5,492 3.77%
    Not provided 1,626 $2,019,970,000 $1,242,294 $6,087 3.67%
    Asian 870 $1,027,780,000 $1,181,356 $5,746 3.75%
    Not applicable 114 $954,090,000 $8,369,211 $11,585 3.37%
    Black 202 $206,730,000 $1,023,416 $6,141 3.98%
    American Indian 38 $35,970,000 $946,579 $4,961 3.75%
    Asian Indian 19 $16,695,000 $878,684 $5,875 3.62%
    Native Hawaiian or Islander 8 $9,740,000 $1,217,500 $4,650 3.51%
    Other Asian 5 $6,325,000 $1,265,000 $4,331 3.46%
    Chinese 2 $3,640,000 $1,820,000 $6,468 3.53%
    Korean 2 $3,580,000 $1,790,000 $9,288 3.23%
    Other Pacific Islander 1 $515,000 $515,000 $2,816 2.60%
    Japanese 1 $485,000 $485,000 $4,212 3.20%

    Approval Rates

    Total approvals of all applications
    96.09%

    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 origination
    82.89%

    Morgan Stanley Private Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 13,860 $15,490,630,000 $1,117,650

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    13,860 $15,490,630,000 $1,117,650

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,339 $1,192,575,000 $890,646 $4,968 3.75%
    40-60% 3,022 $3,387,250,000 $1,120,864 $5,456 3.61%
    60-80% 6,230 $7,503,010,000 $1,204,335 $5,821 3.72%
    80-100% 2,958 $2,944,400,000 $995,402 $5,739 3.91%
    Over 100% 5 $290,795,000 $58,159,000 $3,615 2.57%
    Under 20% 306 $172,600,000 $564,052 $4,942 4.79%