The Lyons National Bank
The Lyons National Bank received 1,340 applications in 2025 and made 1,167 mortgages, in 49 counties across 4 states. The median rate its borrowers got was 6.750% on a median loan of $135,000. Of 1,264 decisions, 96 were denials — 7.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900Q6IHGQO7INVC79 |
|---|---|
| Applications received | 1,340 |
| Mortgages made | 1,167 |
| Denied | 96 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 76 |
| Loans bought from other lenders | 75 |
| Median rate spread over the prime offer rate | 0.16 points |
| FDIC-insured bank | Yes: The Lyons National Bank, 17 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 585 | 6.625% | $205,000 | 2.5% |
| Refinancing | 144 | 7.250% | $130,000 | 8.9% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 429 | 6.990% | $75,000 | 13.5% |
Where The Lyons National Bank lends most
The 49 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Monroe County, NY | 248 | 6.990% | 3.1% |
| Ontario County, NY | 216 | 6.990% | 10.4% |
| Wayne County, NY | 209 | 6.790% | 11.1% |
| Cayuga County, NY | 151 | 6.625% | 8.5% |
| Yates County, NY | 101 | 6.750% | 3.8% |
| Seneca County, NY | 93 | 6.750% | 10.6% |
| Onondaga County, NY | 56 | 6.750% | 3.5% |
| Steuben County, NY | 29 | 6.500% | 9.4% |
| Schuyler County, NY | 9 | Under 10 loans | 10.0% |
| Livingston County, NY | 8 | Under 10 loans | 0.0% |
| Oneida County, NY | 7 | Under 10 loans | 0.0% |
| Oswego County, NY | 5 | Under 10 loans | 0.0% |
| Saratoga County, NY | 4 | Under 10 loans | 0.0% |
| Chemung County, NY | 3 | Under 10 loans | 0.0% |
| Niagara County, NY | 3 | Under 10 loans | 0.0% |
| Genesee County, NY | 2 | Under 10 loans | 0.0% |
| Orleans County, NY | 2 | Under 10 loans | 0.0% |
| Tioga County, NY | 2 | Under 10 loans | 0.0% |
| Tompkins County, NY | 2 | Under 10 loans | 0.0% |
| Wyoming County, NY | 2 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Allegany County, NY | 1 | Under 10 loans | 50.0% |
| Chenango County, NY | 1 | Under 10 loans | 0.0% |
| Erie County, NY | 1 | Under 10 loans | 0.0% |
| Franklin County, NY | 1 | Under 10 loans | 0.0% |
| Hamilton County, NY | 1 | Under 10 loans | 0.0% |
| Herkimer County, NY | 1 | Under 10 loans | 0.0% |
| Lewis County, NY | 1 | Under 10 loans | 0.0% |
| Madison County, NY | 1 | Under 10 loans | 0.0% |
| St. Lawrence County, NY | 1 | Under 10 loans | 0.0% |
| Schenectady County, NY | 1 | Under 10 loans | 50.0% |
| Suffolk County, NY | 1 | Under 10 loans | 0.0% |
| Sullivan County, NY | 1 | Under 10 loans | 0.0% |
| Union County, NC | 1 | Under 10 loans | 0.0% |
| Norfolk city, VA | 1 | Under 10 loans | 0.0% |
| Manatee County, FL | 0 | Under 10 loans | Not published |
| Miami-Dade County, FL | 0 | Under 10 loans | Not published |
| Cattaraugus County, NY | 0 | Under 10 loans | Not published |
| Chautauqua County, NY | 0 | Under 10 loans | Not published |
| Cortland County, NY | 0 | Under 10 loans | Not published |
| Delaware County, NY | 0 | Under 10 loans | Not published |
| Dutchess County, NY | 0 | Under 10 loans | Not published |
| Essex County, NY | 0 | Under 10 loans | Not published |
| Greene County, NY | 0 | Under 10 loans | Not published |
| Jefferson County, NY | 0 | Under 10 loans | Not published |
| Otsego County, NY | 0 | Under 10 loans | Not published |
| Rensselaer County, NY | 0 | Under 10 loans | Not published |
| Ulster County, NY | 0 | Under 10 loans | Not published |
| Warren County, NY | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.