Lender in New York · HMDA 2025
The Lyons National Bank mortgages in New York
The Lyons National Bank's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
The Lyons National Bank originated 425 owner-occupied single-family loans in New York from 438 completed applications.
Its median conventional purchase loan costs were $4,390 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.50% (New York: 6.50%).
Loans in NY
425
of 438 applications
Denial rate
1.5%
Purchase · NY 9.5%
Rate spread
+0.10 pts
Conv. · NY +0.07 pts
Loan amount
$215,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 395 | 389 | 1.5% | 6.500% | +0.10 pts | $4,390 | $215,000 |
| Refinance | 35 | 28 | 20.0% | — | +0.42 pts | $3,650 | $215,000 |
| Cash-out refinance | 8 | 8 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
New York counties where The Lyons National Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cayuga County | 1 | 90 | 16.3% |
| Yates County | 1 | 34 | 19.7% |
| Seneca County | 1 | 33 | 14.9% |
| Wayne County | 4 | 71 | 7.9% |
| Ontario County | 4 | 59 | 5.6% |
| Schuyler County | 8 | 4 | 3.3% |
| Monroe County | 16 | 80 | 1.1% |
| Steuben County | 17 | 8 | 1.0% |
| Livingston County | 24 | 3 | 0.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology