We analyzed every closed loan from Morgan Stanley Private Bank — 7.2k loans across 9k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
Conventional · Jumbo
Place
Strong
4/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Jumbo
Champion
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 44.90 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
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Report Card
Morgan Stanley Private Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 44.9 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
4,541 loans · 0.40% below market
Strong
Top 40% of lenders
4/5
Jumbo
2,626 loans · 0.56% below market
Exceptional
Top 5% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
6,568 loans · 0.46% below market
Exceptional
Top 20% of lenders
5/5
Refinance
599 loans · 0.29% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 4,541 | 63.4% | -0.396%Below | $324Fees | ||||
Jumbo Loans | 2,626 | 36.6% | -0.557%Below | $345Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume4,541
Mix63.4%
Spread
-0.396%Below
Fees
$324Fees
Jumbo Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume2,626
Mix36.6%
Spread
-0.557%Below
Fees
$345Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 6,568 | 91.6% | -0.460%Below | $344Fees | ||||
Refinance | 599 | 8.4% | -0.295%Below | $157Fees |
Purchase
OverallStrong
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume6,568
Mix91.6%
Spread
-0.460%Below
Fees
$344Fees
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume599
Mix8.4%
Spread
-0.295%Below
Fees
$157Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
7,167
Applications
9,227
Volume
$6 billion
Pricing & Closing
Avg Rate Spread
-0.449%
vs. market APOR
Avg Net Fees
$331
Origination − Credits
Pullthrough Rate
77.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$899,998
Avg Borrower Income
$485,121
Avg Property Value
$1,394,799
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
51
Includes Washington, DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
51Full-year 2024 · HMDANationwide · all 50 states and DCLoans originated
< 5050–100100–200200+None
Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 47 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.