Applications / Mortgage Analytics / Lenders / New York / Morgan Stanley Private Bank
Purchase, NY · National bank · OCC · $255 billion assets · 10,740 loans in 2025
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10,740
loans originated, 2025
14,182
applications, 2025
51
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Morgan Stanley Private Bank makes far larger loans than its peers: its typical loan was $755,000, against $205,000 for the typical similar lender (national banks making between half and twice as many loans).
Every loan was conventional, with none insured by the Federal Housing Administration (FHA) or guaranteed by the Department of Veterans Affairs (VA). Jumbo loans, larger than the conforming limit, were 38.2% of its loans against 8.4% for the typical peer, down from 70.7% five years before.
Low- and moderate-income (LMI) borrowers took 2.2% of its loans against 27.1% for the typical peer, and LMI areas 5.1% against 16.7%, each the lowest share among similar lenders. Loans this large may point to clients buying high-value homes, and its biggest markets, New York and Los Angeles, are costly ones.
Its typical rate of 5.90% was the lowest among similar lenders, whose middle was 6.62%, and it turned down 2.2% of first-lien home-purchase applications on owner-occupied homes, against 10.1%, lower than more than nine in ten of them, and 9.5% of refinance applications, against 22.3%. Borrowers taking loans this large may have strong credit or assets, which could explain both.
It made 10,740 loans against 10,709 the year before, while the typical peer grew 5% and the whole market 10%. Its volume has stayed near this level since 2023, after 13,860 loans in 2022.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Morgan Stanley Private Bank took 14,182 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.1% · Other 21.3% · Refinance 8.8% · Home improvement 1.8%
Conventional 100.0% · of 10,740 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 1,957 | 18.2% |
| Florida | 990 | 9.2% |
| New York | 947 | 8.8% |
| Texas | 573 | 5.3% |
| New Jersey | 548 | 5.1% |
| Massachusetts | 449 | 4.2% |
| Colorado | 427 | 4.0% |
| Illinois | 381 | 3.5% |
| Washington | 350 | 3.3% |
| Georgia | 322 | 3.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 679 |
| Los Angeles-Long Beach-Glendale | 427 |
| Chicago-Naperville-Schaumburg | 304 |
| Nassau County-Suffolk County | 289 |
| San Francisco-San Mateo-Redwood City | 263 |
| Seattle-Bellevue-Kent | 201 |
| Denver-Aurora-Centennial | 199 |
| San Jose-Sunnyvale-Santa Clara | 191 |
| West Palm Beach-Boca Raton-Delray Beach | 190 |
| Atlanta-Sandy Springs-Roswell | 189 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GS0W0TEUQS8571 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2489805 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 92489805 | 2011–2017 |
Established 12 August 1996. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Morgan Stanley Private Bank's data.
Morgan Stanley Private Bank's data
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Morgan Stanley Private Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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