Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$4,986
median across reports
vs. National Average
23%
below national avg
Avg Origination Charge
$853
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $8,066 | $3,585 | 🔺 High |
| lender_credits | $1,005 | $1,150 | 🟢 Below Avg |
| Origination Fee | $853 | $3,743 | 🟢 Below Avg |
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Based on 10,408 homebuyer-submitted Closing Disclosures, Morgan Stanley Private Bank, National Association's median total closing costs are $4,986. This is about 23% below the $6,435 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
Are Closing Costs Negotiable?
Which fees you can push back on and how to do it.
What Are Junk Fees on a Mortgage?
Spot the charges that pad lender profits.
How to Read Your Closing Disclosure
Page-by-page walkthrough of the 5-page form.
Average Closing Costs by State
Benchmark your costs against the state average.
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Compare Morgan Stanley Private Bank, National Association with another lender
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Aggregates from Morgan Stanley Private Bank, National Association's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
5,779
Ranked #82 nationally
Median Total Costs
$5,366
−19.7% vs national ($6,680)
Median Rate
5.900%
−9.1% vs national (6.490%)
Median Origination
$815
Median Lender Credits
$800
Cost Rank (500+ vol.)
#227
among lenders with 500+ originations
Denial Rate
1.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 5,779 | 5.900% | $5,366 | $815 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 905 | 5.775% | $6,868 | #43 |
| New York | 576 | 5.765% | $6,101 | #45 |
| Florida | 503 | 5.900% | $5,410 | #91 |
| Texas | 405 | 5.850% | $4,396 | #133 |
| New Jersey | 324 | 5.888% | $6,829 | #46 |
| Massachusetts | 293 | 5.875% | $5,338 | #39 |
| Illinois | 266 |
| This lender | California median | National median | |
|---|---|---|---|
| Total Closing Costs | $6,868 | $9,309 | $6,680 |
| Interest Rate | 5.775% | 6.380% | 6.490% |
| Originations in state | 905 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Morgan Stanley Private Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $775,000 | $335,000 | +$440,000 (+131.3%) |
| Median total closing costs | $5,366 | $7,127 | −$1,761 (−24.7%) |
Popular Refinance Pages
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.
| 6.050% |
| $6,622 |
| #76 |
| Colorado | 220 | 5.912% | $3,263 | #76 |
| Georgia | 183 | 5.900% | $5,272 | #108 |
| Washington | 177 | 5.850% | $4,924 | #69 |
| Virginia | 166 | 5.950% | $5,066 | #94 |
| North Carolina | 159 | 5.950% | $4,278 | #121 |
| Pennsylvania | 145 | 6.000% | $6,081 | #130 |
| Maryland | 116 | 5.900% | $5,415 | #92 |
| Tennessee | 114 | 5.938% | $2,732 | #114 |
| Arizona | 108 | 6.062% | $5,043 | #97 |
| South Carolina | 85 | 6.000% | $4,386 | #130 |
| Ohio | 81 | 6.000% | $3,217 | #150 |
| Minnesota | 75 | 5.950% | $4,105 | #109 |
| Michigan | 71 | 5.950% | $3,858 | #132 |
| Oregon | 69 | 5.950% | $3,921 | #84 |
| Wisconsin | 64 | 6.200% | $2,572 | #123 |
| Nevada | 61 | 5.900% | $4,799 | #83 |
| Utah | 45 | 5.950% | $4,343 | — |
| Indiana | 43 | 6.000% | $2,482 | — |
| Alabama | 42 | 5.950% | $3,089 | — |
| Louisiana | 41 | 6.000% | $4,465 | — |
| Connecticut | 37 | 5.950% | $5,253 | — |
| District of Columbia | 33 | 5.750% | $6,541 | — |
| Missouri | 33 | 6.150% | $3,780 | — |
| Kansas | 31 | 5.950% | $2,667 | — |
| Idaho | 30 | 6.000% | $3,686 | — |
| Kentucky | 29 | 5.925% | $3,170 | — |
| New Hampshire | 27 | 6.050% | $3,677 | — |
| Maine | 23 | 6.050% | $3,579 | — |
| Rhode Island | 23 | 5.950% | $4,177 | — |
| Vermont | 23 | 5.900% | $5,017 | — |
| Hawaii | 17 | 5.775% | $5,311 | — |
| New Mexico | 17 | 5.950% | $2,578 | — |
| Oklahoma | 17 | 6.200% | $4,422 | — |
| Delaware | 16 | 5.963% | $4,864 | — |
| Mississippi | 15 | 6.000% | $3,927 | — |
| Montana | 15 | 6.350% | $3,399 | — |
| Nebraska | 14 | 6.175% | $2,591 | — |
| West Virginia | 10 | 6.050% | $4,111 | — |
| Arkansas | 9 | 5.700% | $3,227 | — |
| Iowa | 8 | 6.350% | $3,115 | — |
| Wyoming | 5 | 5.600% | $4,860 | — |
| Alaska | 4 | 6.325% | $3,261 | — |
| South Dakota | 4 | 5.575% | $2,905 | — |
| North Dakota | 2 | 6.463% | $3,094 | — |