The Lyons National Bank in New York vs the state
7.2%Denial rate-12.56 pts vs state
7.6%Decision denial rate-16.43 pts vs state
87.2%Origination rate+27.60 pts vs state
6.75%Median rate+0.13 pts vs state
0.16Rate spread (pts)-0.05 pts vs state
$120kMedian applicant income
1,164Loans originated
96Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,181 | 1,017 | 5.9% | 6.88% | #67 |
| 2024 | 1,232 | 1,059 | 6.8% | 7.29% | #61 |
| 2025 | 1,335 | 1,164 | 7.2% | 6.75% | #64 |
What The Lyons National Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most The Lyons National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 277 | 248 | 8 | 2.9% |
| Ontario County | 253 | 216 | 25 | 9.9% |
| Wayne County | 246 | 209 | 26 | 10.6% |
| Cayuga County | 174 | 151 | 14 | 8.0% |
| Yates County | 113 | 101 | 4 | 3.5% |
| Seneca County | 110 | 93 | 11 | 10.0% |
| Onondaga County | 59 | 56 | 2 | 3.4% |
| Steuben County | 33 | 29 | 3 | 9.1% |
| Schuyler County | 11 | 9 | 1 | 9.1% |
| Livingston County | 8 | 8 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 1,335 applications in 2025, of which 1,164 were originated and 96 denied.
7.2% of all applications, or 7.6% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans The Lyons National Bank originated in New York in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are The Lyons National Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology