Morgan Stanley Private Bank Mortgage Rates, Fees & Info
New York, NYLEI: 549300GS0W0TEUQS8571
Tax ID: 22-3458456
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Review & Overview
Morgan Stanley Private Bank is a mid-sized 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: Los Angeles, New York, San Francisco, Miami, and San Jose among others. We have data for 297 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.10% | 12/17/24 |
| 30 Year Conventional Purchase | 5.62% | 12/17/24 |
| 30 Year Conventional Refi | 5.99% | 12/17/24 |
| 30 Year Cash-out Refi | 6.01% | 12/17/24 |
| 15 Year Conventional Purchase | 5.49% | 12/17/24 |
| 15 Year Conventional Refi | 5.85% | 12/17/24 |
| 15 Year Cash-out Refi | 5.85% | 12/17/24 |
| 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
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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
4,626Origination Dollar Volume (All Markets)
$4,573,940,000Employee count
729Awards
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Morgan Stanley Private Bank - 2018
Morgan Stanley Private Bank is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 456 | $754,470,000 | $1,654,539 | $6,281 | 4.02% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 500 | $640,870,000 | $1,281,740 | $6,535 | 4.03% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 250 | $349,930,000 | $1,399,720 | $4,737 | 4.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 197 | $171,565,000 | $870,888 | $6,693 | 4.07% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 113 | $152,715,000 | $1,351,460 | $4,534 | 3.93% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 67 | $130,585,000 | $1,949,030 | $8,484 | 4.13% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 106 | $129,050,000 | $1,217,453 | $5,129 | 3.92% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 141 | $123,085,000 | $872,943 | $4,700 | 4.04% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 128 | $122,240,000 | $955,000 | $5,030 | 4.07% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 120 | $111,380,000 | $928,167 | $4,181 | 4.12% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 84 | $99,530,000 | $1,184,881 | $5,778 | 3.90% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 49 | $95,355,000 | $1,946,020 | $4,150 | 4.23% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 150 | $91,750,000 | $611,667 | $4,157 | 4.23% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 98 | $83,820,000 | $855,306 | $7,602 | 4.14% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 111 | $82,455,000 | $742,838 | $4,158 | 4.19% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 110 | $75,300,000 | $684,545 | $4,206 | 4.12% |
| Outside of Metro Areas | 108 | $73,480,000 | $680,370 | $4,560 | 4.17% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 65 | $49,535,000 | $762,077 | $3,631 | 4.11% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 46 | $41,910,000 | $911,087 | $7,453 | 4.08% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 28 | $40,130,000 | $1,433,214 | $5,395 | 3.79% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 29 | $33,775,000 | $1,164,655 | $4,532 | 4.13% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 47 | $31,265,000 | $665,213 | $5,516 | 4.23% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 21 | $28,145,000 | $1,340,238 | $7,418 | 4.06% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 28 | $25,090,000 | $896,071 | $3,994 | 3.86% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 44 | $25,010,000 | $568,409 | $5,302 | 4.32% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 52 | $24,230,000 | $465,962 | $3,328 | 4.30% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 29 | $23,655,000 | $815,690 | $6,651 | 4.22% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 3 | $23,635,000 | $7,878,333 | $2,060 | 4.99% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 28 | $23,530,000 | $840,357 | $4,090 | 4.12% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 29 | $22,205,000 | $765,690 | $3,998 | 4.26% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 17 | $20,865,000 | $1,227,353 | $5,346 | 3.83% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 46 | $20,700,000 | $450,000 | $3,240 | 4.36% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 33 | $20,635,000 | $625,303 | $4,403 | 4.24% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 24 | $20,300,000 | $845,833 | $4,186 | 4.20% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 27 | $20,065,000 | $743,148 | $7,469 | 4.13% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 19 | $19,745,000 | $1,039,211 | $4,436 | 3.95% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 30 | $19,580,000 | $652,667 | $3,755 | 4.27% |
| Heber, UT (FHA|USDA|VA) | 13 | $19,145,000 | $1,472,692 | $5,395 | 3.97% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 29 | $18,935,000 | $652,931 | $5,321 | 4.36% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 21 | $18,575,000 | $884,524 | $5,171 | 3.94% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 30 | $17,280,000 | $576,000 | $3,637 | 4.26% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 28 | $16,250,000 | $580,357 | $4,790 | 4.26% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 14 | $15,590,000 | $1,113,571 | $4,887 | 3.99% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 15 | $15,525,000 | $1,035,000 | $6,135 | 4.10% |
| Glenwood Springs, CO (FHA|USDA|VA) | 11 | $14,965,000 | $1,360,455 | $5,213 | 3.67% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 15 | $13,825,000 | $921,667 | $6,427 | 4.21% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 22 | $13,820,000 | $628,182 | $2,822 | 4.18% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 27 | $13,245,000 | $490,556 | $4,398 | 4.32% |
| RENO, NV (FHA|USDA|VA) | 16 | $13,040,000 | $815,000 | $4,194 | 4.05% |
| SALINAS, CA (FHA|USDA|VA) | 14 | $12,790,000 | $913,571 | $4,437 | 4.19% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 12 | $12,620,000 | $1,051,667 | $4,911 | 4.09% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 18 | $11,360,000 | $631,111 | $4,344 | 4.19% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 18 | $11,230,000 | $623,889 | $3,790 | 4.25% |
| BOULDER, CO (FHA|USDA|VA) | 15 | $11,005,000 | $733,667 | $4,190 | 3.99% |
| RICHMOND, VA (FHA|USDA|VA) | 16 | $10,250,000 | $640,625 | $4,060 | 4.27% |
| Edwards, CO (FHA|USDA|VA) | 9 | $10,225,000 | $1,136,111 | $4,508 | 3.98% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 22 | $9,940,000 | $451,818 | $3,343 | 4.42% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 19 | $9,465,000 | $498,158 | $2,734 | 4.21% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 15 | $9,425,000 | $628,333 | $4,335 | 4.32% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 8 | $9,070,000 | $1,133,750 | $7,879 | 3.80% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 17 | $8,895,000 | $523,235 | $2,992 | 4.00% |
| Hailey, ID (FHA|USDA|VA) | 6 | $8,880,000 | $1,480,000 | $8,609 | 3.70% |
| LOUISVILLE, KY (FHA|USDA|VA) | 20 | $8,760,000 | $438,000 | $3,315 | 4.44% |
| Easton, MD (FHA|USDA|VA) | 8 | $8,510,000 | $1,063,750 | $5,574 | 4.43% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 10 | $8,480,000 | $848,000 | $7,550 | 4.16% |
| Vineyard Haven, MA (FHA|USDA|VA) | 2 | $8,130,000 | $4,065,000 | $12,719 | 3.93% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 15 | $7,945,000 | $529,667 | $3,700 | 4.37% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $7,805,000 | $7,805,000 | $0 | 5.10% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 14 | $7,780,000 | $555,714 | $6,232 | 4.37% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 16 | $7,770,000 | $485,625 | $3,269 | 4.18% |
| BEND, OR (FHA|USDA|VA) | 12 | $7,440,000 | $620,000 | $5,327 | 4.22% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 12 | $7,380,000 | $615,000 | $4,653 | 4.27% |
| TUCSON, AZ (FHA|USDA|VA) | 14 | $7,170,000 | $512,143 | $4,074 | 4.26% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 12 | $7,100,000 | $591,667 | $5,222 | 4.49% |
| KNOXVILLE, TN (FHA|USDA|VA) | 7 | $6,965,000 | $995,000 | $4,780 | 4.40% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 13 | $6,945,000 | $534,231 | $4,425 | 4.15% |
| PITTSBURGH, PA (FHA|USDA|VA) | 14 | $6,870,000 | $490,714 | $5,096 | 4.50% |
| Seneca, SC (FHA|USDA|VA) | 7 | $6,745,000 | $963,571 | $4,827 | 4.07% |
| Breckenridge, CO (FHA|USDA|VA) | 6 | $6,120,000 | $1,020,000 | $3,419 | 4.05% |
| Torrington, CT (FHA|USDA|VA) | 9 | $6,095,000 | $677,222 | $9,207 | 4.08% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 9 | $6,025,000 | $669,444 | $5,552 | 4.03% |
| SANTA FE, NM (FHA|USDA|VA) | 10 | $5,980,000 | $598,000 | $4,950 | 4.40% |
| ST. GEORGE, UT (FHA|USDA|VA) | 5 | $5,875,000 | $1,175,000 | $4,393 | 3.98% |
| Hilo, HI (FHA|USDA|VA) | 8 | $5,870,000 | $733,750 | $4,942 | 4.15% |
| BRUNSWICK, GA (FHA|USDA|VA) | 4 | $5,850,000 | $1,462,500 | $5,474 | 3.68% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 5 | $5,555,000 | $1,111,000 | $4,126 | 3.99% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 9 | $5,525,000 | $613,889 | $4,266 | 4.21% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 7 | $5,325,000 | $760,714 | $3,836 | 4.03% |
| COLUMBUS, OH (FHA|USDA|VA) | 11 | $5,155,000 | $468,636 | $4,146 | 4.29% |
| NAPA, CA (FHA|USDA|VA) | 7 | $4,965,000 | $709,286 | $4,208 | 4.12% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 8 | $4,730,000 | $591,250 | $3,889 | 4.08% |
| PITTSFIELD, MA (FHA|USDA|VA) | 5 | $4,705,000 | $941,000 | $5,813 | 3.98% |
| ROANOKE, VA (FHA|USDA|VA) | 10 | $4,670,000 | $467,000 | $3,424 | 4.20% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 10 | $4,500,000 | $450,000 | $3,553 | 4.29% |
| Lebanon, NH-VT (FHA|USDA|VA) | 4 | $4,410,000 | $1,102,500 | $6,413 | 3.98% |
| Key West, FL (FHA|USDA|VA) | 8 | $4,390,000 | $548,750 | $4,572 | 4.27% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 9 | $4,355,000 | $483,889 | $4,023 | 4.40% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 6 | $4,350,000 | $725,000 | $4,425 | 4.12% |
| BOISE CITY, ID (FHA|USDA|VA) | 10 | $3,840,000 | $384,000 | $3,889 | 4.27% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 8 | $3,800,000 | $475,000 | $3,002 | 4.50% |
| Jackson, WY-ID (FHA|USDA|VA) | 3 | $3,475,000 | $1,158,333 | $5,619 | 3.86% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 7 | $3,415,000 | $487,857 | $3,401 | 4.68% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 7 | $3,415,000 | $487,857 | $3,607 | 4.32% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 4 | $3,400,000 | $850,000 | $8,218 | 4.02% |
| WILMINGTON, NC (FHA|USDA|VA) | 6 | $3,390,000 | $565,000 | $3,351 | 4.22% |
| Outside of Metro Areas | 5 | $3,195,000 | $639,000 | $4,568 | 4.29% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $3,185,000 | $1,061,667 | $4,987 | 4.33% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 4 | $3,180,000 | $795,000 | $4,604 | 4.28% |
| BATON ROUGE, LA (FHA|USDA|VA) | 3 | $3,125,000 | $1,041,667 | $6,083 | 4.19% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 7 | $3,125,000 | $446,429 | $4,093 | 4.34% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 8 | $3,110,000 | $388,750 | $2,489 | 4.52% |
| MADISON, WI (FHA|USDA|VA) | 6 | $3,010,000 | $501,667 | $3,111 | 4.03% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 6 | $2,960,000 | $493,333 | $3,623 | 4.39% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 8 | $2,870,000 | $358,750 | $4,088 | 4.41% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 8 | $2,740,000 | $342,500 | $2,470 | 4.22% |
| Durango, CO (FHA|USDA|VA) | 4 | $2,740,000 | $685,000 | $3,287 | 4.15% |
| Bozeman, MT (FHA|USDA|VA) | 4 | $2,700,000 | $675,000 | $4,443 | 4.31% |
| Laconia, NH (FHA|USDA|VA) | 4 | $2,700,000 | $675,000 | $3,283 | 4.08% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 6 | $2,690,000 | $448,333 | $3,629 | 4.20% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 7 | $2,685,000 | $383,571 | $2,761 | 4.62% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 5 | $2,665,000 | $533,000 | $3,654 | 4.52% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $2,625,000 | $875,000 | $4,416 | 3.82% |
| FORT COLLINS, CO (FHA|USDA|VA) | 6 | $2,580,000 | $430,000 | $3,046 | 4.28% |
| ASHEVILLE, NC (FHA|USDA|VA) | 5 | $2,415,000 | $483,000 | $3,797 | 4.60% |
| Traverse City, MI (FHA|USDA|VA) | 3 | $2,375,000 | $791,667 | $4,045 | 4.09% |
| LAFAYETTE, LA (FHA|USDA|VA) | 3 | $2,315,000 | $771,667 | $5,442 | 4.63% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 3 | $2,215,000 | $738,333 | $4,646 | 3.78% |
| Astoria, OR (FHA|USDA|VA) | 3 | $2,205,000 | $735,000 | $5,892 | 4.09% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 5 | $2,185,000 | $437,000 | $3,283 | 4.55% |
| Cullowhee, NC (FHA|USDA|VA) | 4 | $2,160,000 | $540,000 | $3,974 | 4.03% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 5 | $2,155,000 | $431,000 | $3,357 | 4.40% |
| Hudson, NY (FHA|USDA|VA) | 4 | $2,140,000 | $535,000 | $5,750 | 4.14% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $1,985,000 | $1,985,000 | $10,879 | 3.95% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 3 | $1,975,000 | $658,333 | $3,684 | 4.64% |
| SAVANNAH, GA (FHA|USDA|VA) | 4 | $1,970,000 | $492,500 | $3,504 | 4.36% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $1,910,000 | $477,500 | $4,159 | 4.16% |
| Whitewater, WI (FHA|USDA|VA) | 3 | $1,795,000 | $598,333 | $3,321 | 4.30% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 4 | $1,780,000 | $445,000 | $3,359 | 3.91% |
| MEDFORD, OR (FHA|USDA|VA) | 4 | $1,720,000 | $430,000 | $3,893 | 5.05% |
| ANN ARBOR, MI (FHA|USDA|VA) | 4 | $1,600,000 | $400,000 | $3,115 | 4.56% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $1,600,000 | $800,000 | $6,244 | 3.83% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $1,565,000 | $1,565,000 | $4,765 | 3.84% |
| AKRON, OH (FHA|USDA|VA) | 3 | $1,515,000 | $505,000 | $4,275 | 3.92% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $1,405,000 | $1,405,000 | $6,047 | 4.20% |
| GREEN BAY, WI (FHA|USDA|VA) | 3 | $1,405,000 | $468,333 | $3,510 | 4.58% |
| Concord, NH (FHA|USDA|VA) | 2 | $1,390,000 | $695,000 | $3,128 | 3.88% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $1,390,000 | $695,000 | $3,427 | 4.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $3,027 | 4.59% |
| Oneonta, NY (FHA|USDA|VA) | 2 | $1,290,000 | $645,000 | $4,033 | 3.91% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $1,270,000 | $635,000 | $3,411 | 4.30% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $1,245,000 | $415,000 | $4,162 | 4.25% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $1,220,000 | $610,000 | $3,656 | 4.35% |
| MIDLAND, TX (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $5,491 | 3.84% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $3,036 | 4.30% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $1,185,000 | $1,185,000 | $4,938 | 3.90% |
| Athens, TX (FHA|USDA|VA) | 2 | $1,160,000 | $580,000 | $5,312 | 4.23% |
| BELLINGHAM, WA (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $2,731 | 4.47% |
| IOWA CITY, IA (FHA|USDA|VA) | 2 | $1,140,000 | $570,000 | $2,519 | 4.33% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $3,790 | 4.55% |
| GLENS FALLS, NY (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $4,675 | 4.58% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $4,427 | 4.28% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $3,710 | 4.08% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $3,311 | 4.18% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $2,781 | 4.62% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $1,040,000 | $520,000 | $4,461 | 4.20% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $1,040,000 | $520,000 | $2,990 | 4.68% |
| RACINE, WI (FHA|USDA|VA) | 1 | $1,015,000 | $1,015,000 | $3,045 | 3.60% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $3,996 | 4.01% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $4,436 | 4.15% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $2,564 | 4.28% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $2,977 | 4.12% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $3,175 | 4.44% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $3,110 | 4.30% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $915,000 | $915,000 | $4,167 | 3.80% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $3,290 | 4.83% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $4,169 | 3.38% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $835,000 | $835,000 | $6,984 | 3.70% |
| NILES, MI (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $3,072 | 4.45% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $3,301 | 4.75% |
| ROCHESTER, MN (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $3,143 | 4.23% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $4,333 | 3.63% |
| Mason City, IA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $2,903 | 4.00% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $3,171 | 4.14% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $3,188 | 4.60% |
| FLINT, MI (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $2,706 | 4.28% |
| Boone, NC (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $3,153 | 4.30% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $3,369 | 4.40% |
| Brevard, NC (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $4,818 | 3.85% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $3,123 | 4.25% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $4,933 | 5.03% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $3,313 | 3.70% |
| Taos, NM (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $2,855 | 3.70% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $2,548 | 4.20% |
| PROVO-OREM, UT (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,064 | 4.46% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $2,466 | 4.40% |
| EL PASO, TX (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $4,060 | 5.52% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $3,246 | 4.28% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $4,385 | 4.40% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $3,232 | 4.30% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,899 | 4.48% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $3,701 | 4.50% |
| Bradford, PA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $5,201 | 3.49% |
| FORT WAYNE, IN (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $2,584 | 4.84% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $4,206 | 4.88% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $4,089 | 4.91% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $2,560 | 4.38% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,278 | 4.84% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,085 | 4.40% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $6,080 | 3.80% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,887 | 3.63% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $2,672 | 4.30% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,251 | 4.35% |
| Española, NM (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 5.75% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $2,347 | 4.50% |
| SALEM, OR (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,410 | 4.35% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,306 | 4.65% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,377 | 4.35% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,416 | 4.50% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,813 | 5.20% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,092 | 4.30% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,568 | 3.90% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,697 | 4.95% |
| Brookings, OR (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,618 | 4.13% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $2,449 | 3.83% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,720 | 3.50% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,003 | 4.35% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,146 | 3.60% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,278 | 5.55% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,348 | 4.65% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $2,968 | 4.45% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,799 | 4.38% |
| TULSA, OK (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,215 | 4.49% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,115 | 4.40% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,387 | 4.25% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,698 | 4.70% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,201 | 4.30% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,133 | 5.75% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,368 | 4.50% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,783 | 4.25% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 5.75% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,966 | 4.45% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,471 | 4.50% |
| Sonora, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,408 | 4.90% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,783 | 4.80% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,873 | 3.85% |
| CHICO, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,753 | 4.50% |
| Hood River, OR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,321 | 4.13% |
| MUSKEGON, MI (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,516 | 4.69% |
| Muscatine, IA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,749 | 4.25% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,453 | 5.85% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,398 | 4.50% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,030 | 4.63% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,748 | 4.95% |
| READING, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,661 | 4.85% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,598 | 4.45% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,315 | 5.30% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,015 | 4.20% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,300 | 4.38% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,699 | 4.20% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,912 | 4.10% |
| MONROE, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,570 | 4.50% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,412 | 5.00% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,928 | 4.83% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,524 | 4.63% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,505 | 4.25% |
| Adrian, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,646 | 4.85% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,098 | 4.23% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,970 | 5.38% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,787 | 4.90% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,019 | 4.75% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,256 | 4.50% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,907 | 4.25% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,043 | 4.30% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,787 | 4.75% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,852 | 4.75% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,188 | 4.40% |
| Helena, MT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,024 | 5.00% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,776 | 5.30% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,783 | 3.85% |
| OCALA, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,545 | 5.30% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,909 | 4.78% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,370 | 4.13% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,118 | 4.55% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,550 | 4.25% |
| ELMIRA, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,485 | 4.95% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,180 | 5.05% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,695 | 4.95% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,245 | 4.65% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,522 | 4.75% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,644 | 4.95% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,869 | 4.90% |
| Seymour, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,301 | 5.00% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,369 | 5.20% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,478 | 4.25% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,410 | 4.40% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,749 | 4.80% |
| Montrose, CO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,183 | 4.55% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 4,522 | $4,529,200,000 | $1,001,592 | $5,122 | 4.09% |
| HELOC | 104 | $44,740,000 | $430,192 | n/a | 5.59% |
For 2018, Morgan Stanley Private Bank's most frequently originated type of loan was Conventional, with 4,522 originations. Their 2nd most popular type was HELOC, with 104 originations.
Loan Reason
For 2018, Morgan Stanley Private Bank's most frequently cited loan purpose was Home Purchase, with 1,886 originations. The 2nd most popular reason was Other, with 1,148 originations.
Loan Duration/Length
For 2018, Morgan Stanley Private Bank's most frequently cited loan duration was 30 Year, with 4,296 originations. The 2nd most popular length was 15 Year, with 193 originations.
Origination Fees/Closing Costs
Morgan Stanley Private Bank's average total fees were $5,147, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,431 originations.
Interest Rates
During 2018, Morgan Stanley Private Bank's average interest rate for loans was 4.09%, while their most frequently originated rate bucket for loans was 3-4%, with 2,198 originations.
Loan Sizing
2018 saw Morgan Stanley Private Bank place emphasis on $1MM+ loans with 1,429 originations, totaling $2,996,625,000 in origination value.
Applicant Income
Morgan Stanley Private Bank lent most frequently to those with incomes in the $250k+ range, with 2,146 originations. The second most popular income band? $150k-250k, with 983 originations.
Applicant Debt to Income Ratio
Morgan Stanley Private Bank lent most frequently to those with DTI ratios of 50-60%, with 1,030 originations. The next most common DTI ratio? 20-30%, with 690 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.89%
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 origination72.44%
Morgan Stanley Private Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,626 | $4,573,940,000 | $988,746 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 13 | $346,825,000 | $26,678,846 |
| Single Family (1-4 Units):Site-Built | 4,613 | $4,227,115,000 | $916,348 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| MORGAN STANLEY & CO. LLC | Conventional home mortgage | Struggling to pay mortgage | 1 | 33.3% |
| MORGAN STANLEY & CO. LLC | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 33.3% |
| MORGAN STANLEY & CO. LLC | Other type of mortgage | Closing on a mortgage | 1 | 33.3% |
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 | $61,295,000 |
| Morgan Stanley Private Bank, National Association | 919 North Market St Wilmington, DE 19801 | Limited, Trust Office | $0 |
For 2018, Morgan Stanley Private Bank had 2 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $2,118,000 |
| Net interest income | $1,705,000 |
| Total noninterest income | $117,000 |
| Gross Fiduciary activities income | $1,000 |
| Service charges on deposit accounts | $0 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $116,000 |
| Pre-tax net operating income | $1,332,000 |
| Securities gains (or losses, -) | $1,000 |
| Income before extraordinary items | $1,002,000 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $1,002,000 |
| Minority interest net income | $0 |
| Net income | $1,002,000 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $1,001,210 |
Morgan Stanley Private Bank's gross interest income from loans was $2,118,000,000.
Morgan Stanley Private Bank's net interest income from loans was $1,705,000,000.
Morgan Stanley Private Bank's fee based income from loans was $0.
Morgan Stanley Private Bank's net income from loans was $1,002,000,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $413,000 |
| Provision for credit losses | $3,000 |
| Total noninterest expense | $487,000 |
| Salaries and employee benefits | $138,000 |
| Premises and equipment expense | $27,000 |
| Additional noninterest expense | $322,000 |
| Applicable income taxes | $331,000 |
| Net charge-offs | $1,000 |
| Cash dividends | $0 |
Morgan Stanley Private Bank's interest expense for loans was $413,000,000.
Morgan Stanley Private Bank's payroll and benefits expense were $138,000,000.
Morgan Stanley Private Bank's property, plant and equipment expenses $27,000,000.
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 | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| 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 | $65,920,000 |
| Deposits held in domestic offices | $65,920,000 |
| Deposits by Individuals, partnerships, and corporations | $65,920,000 |
| 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 | $4,540,000 |
| Demand deposits | $4,540,000 |
| Nontransaction accounts | $61,380,000 |
| Money market deposit accounts (MMDAs) | $52,202,000 |
| Other savings deposits (excluding MMDAs) | $0 |
| Total time deposits | $9,178,000 |
| Total time and savings deposits | $61,380,000 |
| Noninterest-bearing deposits | $62,000 |
| Interest-bearing deposits | $65,858,000 |
| Retail deposits | $52,169,000 |
| IRAs and Keogh plan accounts | $13,761,000 |
| Brokered deposits | $15,980,000 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $75,169,000 |
| Cash & Balances due from depository institutions | $7,223,000 |
| Interest-bearing balances | $7,215,000 |
| Total securities | $12,503,000 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $54,765,000 |
| Loan and leases loss allowance | $42,000 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $0 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $678,000 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $75,169,000 |
| Total Liabilities | $67,986,000 |
| Total deposits | $65,920,000 |
| Interest-bearing deposits | $65,858,000 |
| Deposits held in domestic offices | $65,920,000 |
| % insured (estimated) | $87 |
| Federal funds purchased and repurchase agreements | $1,501,000 |
| Trading liabilities | $0 |
| Other borrowed funds | $7,000 |
| Subordinated debt | $0 |
| All other liabilities | $558,000 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $54,765,000 |
| Loan and leases loss allowance | $42,000 |
| Total loans and leases (domestic) | $54,807,000 |
| All real estate loans | $30,852,000 |
| Real estate loans in domestic offices | $30,852,000 |
| Construction and development loans | $25,000 |
| Residential 1-4 family construction | $0 |
| Other construction, all land development and other land | $25,000 |
| Loans secured by nonfarm nonresidential properties | $2,609,000 |
| Nonfarm nonresidential secured by owner-occupied properties | $168,000 |
| Commercial real estate & other non-farm, non-residential | $2,441,000 |
| Multifamily residential real estate | $731,000 |
| 1-4 family residential loans | $27,487,000 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $3,279,000 |
| To non-U.S. addressees | $263,000 |
| Loans to individuals | $8,137,000 |
| Credit card loans | $0 |
| Related Plans | $49,000 |
| Consumer Auto Loans | $0 |
| Other loans to individuals | $8,088,000 |
| All other loans & leases | $12,539,000 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $12,466,000 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $196,000 |
| 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 $54,765,000,000 of loans outstanding in 2018. $30,852,000,000 of loans were in real estate loans. $25,000,000 of loans were in development loans. $731,000,000 of loans were in multifamily mortgage loans. $27,487,000,000 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 | 857 | $251,000 | $292,882 |
| Commercial & Industrial, US addressed loans - <$100k | 136 | $6,000 | $44,118 |
| Commercial & Industrial, US addressed loans - $100-250k | 238 | $33,000 | $138,655 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 483 | $212,000 | $438,923 |