Morgan Stanley Private Bank Mortgage Rates, Fees & Info

New York, NY

LEI: 549300GS0W0TEUQS8571

Tax ID: 22-3458456

5 stars

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

Review & 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 by origination volume include: New York, Los Angeles, San Francisco, Miami, and Boston among others. We have data for 360 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.

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SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
Home Equity Line of Credit (HELOC)	7.86%	1/25/23
30 Year Conventional Purchase	5.98%	1/25/23
30 Year Conventional Refi	6.13%	1/25/23
30 Year Cash-out Refi	6.27%	1/25/23
15 Year Conventional Purchase	5.98%	1/25/23
15 Year Conventional Refi	6.04%	1/25/23
15 Year Cash-out Refi	6.04%	1/25/23
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.

Originations

13,271

Origination Dollar Volume (All Markets)

$15,857,025,000

Employee count

964

Awards

Morgan Stanley Private Bank 30 Year Conventional Loans bronze

Morgan Stanley Private Bank 30 Year Conventional Loans silver

Morgan Stanley Private Bank 30 Year Conventional Loans gold

Show all (122) awards

Relative Rate

Morgan Stanley Private Bank's average 30 year fixed mortgage rate was 2.69%.

The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

This yields a difference of -0.46%.

Relative Fees (Closing Costs)

Morgan Stanley Private Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $5,735.

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)	1,757	$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.

Their top states include:

California (FHA|USDA|VA)

Florida (FHA|USDA|VA)

New York (FHA|USDA|VA)

Texas (FHA|USDA|VA)

Colorado (FHA|USDA|VA)

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	13,197	$15,821,305,000	$1,198,856	$5,703	2.69%
HELOC	74	$35,720,000	$482,703	n/a	4.47%

For 2021, Morgan Stanley Private Bank's most frequently originated type of loan was Conventional, with 13,197 originations. Their 2nd most popular type was HELOC, with 74 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. 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 2021, Morgan Stanley Private Bank's most frequently cited loan purpose was Home Purchase, with 4,748 originations. The 2nd most popular reason was 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 2021, Morgan Stanley Private Bank's most frequently cited loan duration was 30 Year, with 12,795 originations. The 2nd most popular length was 15 Year, with 391 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	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

Morgan Stanley Private Bank's average total fees were $5,735, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 2.69%, while their most frequently originated rate bucket for loans was 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 or Islander	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 applications
94.98%

Morgan Stanley Private Bank has an average approval rate.

Pick Rate

Approvals leading to origination
81.03%

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