# The Lyons National Bank

> **Canonical URL:** https://saferate.com/lenders/the-lyons-national-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


The Lyons National Bank is a bank, headquartered in Lyons, NY, serving borrowers across 2 states, with 473 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 34% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 32% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900Q6IHGQO7INVC79
- **Headquarters:** Lyons, NY
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** FL, NY
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 98.8%
- **Brokered/Wholesale:** 1.2%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.297%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $980
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 473
- **Dollar Volume:** $125 million
- **Applications Received:** 521
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $263,964
- **Average Borrower Income:** $139,550
- **Average Property Value:** $354,725

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 65/100 | 462 | +0.303% | $996 | Strong 😀 |
| Jumbo | 60/100 | 11 | +0.090% | $371 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 429 loans, Score: 66/100 (Strong)
- Refinance: 33 loans, Score: 47/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 65/100 | 440 | $118M | +0.282% | Strong 😀 |
| Refinance | 46/100 | 33 | $7M | +0.489% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 470 | 0.41% | 82/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Rochester, NY | NY | 252 | 80/100 |
| Non |  | 176 | 64/100 |
| Syracuse, NY | NY | 36 | 59/100 |

## Where This Lender Ranks

The Lyons National Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Rochester, NY for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Rochester, NY Banks
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/banks)
- 🥈 **#2** in Rochester, NY for Jumbo Loans
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/jumbo-loans)
- 🥉 **#3** in Rochester, NY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Rochester, NY
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders)
- 🏆 **#6** in Rochester, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/conventional-loans)
- 🏆 **#7** in New York for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in New York Banks
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/banks)
- 🏆 **#9** in Syracuse, NY Banks
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/banks)
- 🏆 **#11** in Syracuse, NY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#14** in New York for Conventional Loans
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/conventional-loans)
- 🏆 **#15** in New York
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders)
- 🏆 **#17** in New York for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#17** in Syracuse, NY
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does The Lyons National Bank offer?

The Lyons National Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does The Lyons National Bank offer mortgages?

The Lyons National Bank offers mortgages in 2 states: FL, NY.

### How competitive are The Lyons National Bank's mortgage rates?

The Lyons National Bank has a pricing score of 66/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.297% above market average.

### What type of lender is The Lyons National Bank?

The Lyons National Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Lyons, NY.

### What is The Lyons National Bank's loan approval success rate?

The Lyons National Bank has a pull-through score of 68/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/the-lyons-national-bank

### How to Cite

> "The Lyons National Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-lyons-national-bank

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