Morgan Stanley Private Bank, National Association
10,740 mortgages originated in 2025 across 35 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 10,740
- Median rate
- 5.900%
- Median lender fees
- $4,986
- Median loan amount
- $755,000
- Median spread over APOR
- -0.190
- Paid discount points
- 0.5%
- Received lender credits
- 78.5%
- Purchases / refinances
- 68.1% / 8.8%
- Conventional / FHA / VA
- 100% / 0% / 0%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 96.9% of loans here — see methodology.
Where Morgan Stanley Private Bank, National Association lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 1,957 | $5,596 | 5.800% |
| Florida | 990 | $5,572 | 5.925% |
| New York | 947 | $6,117 | 5.800% |
| Texas | 573 | $5,602 | 5.900% |
| New Jersey | 548 | $6,306 | 5.900% |
| Massachusetts | 449 | $5,111 | 5.830% |
| Colorado | 427 | $3,393 | 5.850% |
| Illinois | 381 | $6,370 | 6.050% |
| Washington | 350 | $4,502 | 5.850% |
| Georgia | 322 | $5,006 | 5.900% |
| North Carolina | 301 | $4,199 | 5.950% |
| Virginia | 267 | $4,759 | 5.950% |
| Arizona | 256 | $4,670 | 6.000% |
| Pennsylvania | 229 | $5,856 | 6.000% |
| Connecticut | 224 | $6,357 | 5.800% |
| Maryland | 194 | $5,120 | 5.950% |
| Tennessee | 185 | $3,591 | 5.950% |
| Michigan | 173 | $3,853 | 6.050% |
| South Carolina | 171 | $4,282 | 5.950% |
| Utah | 138 | $4,333 | 5.840% |
| Ohio | 122 | $3,482 | 6.000% |
| Oregon | 122 | $4,108 | 5.975% |
| Minnesota | 119 | $4,021 | 6.000% |
| Wisconsin | 119 | $2,647 | 6.075% |
| Nevada | 107 | $4,232 | 5.850% |
| Alabama | 95 | $3,258 | 6.000% |
| Indiana | 76 | $2,593 | 6.050% |
| Idaho | 73 | $4,808 | 5.950% |
| Missouri | 66 | $3,310 | 6.150% |
| Maine | 63 | $3,783 | 5.925% |
| District of Columbia | 58 | $6,126 | 5.750% |
| Louisiana | 57 | $4,422 | 6.050% |
| New Hampshire | 53 | $3,739 | 5.850% |
| Kansas | 53 | $2,819 | 6.000% |
| Hawaii | 52 | $6,274 | 5.875% |