Applications / Mortgage Analytics / Lenders / New York / The Lyons National Bank
Lyons, NY · National bank · OCC · $2.1 billion assets · 1,167 loans in 2025
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1,167
loans originated, 2025
1,340
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Lyons National Bank is a New York national bank making only conventional loans, with a large home-improvement book and small loans, and its 1,167 originations in 2025 grew in line with similar banks and the market.
Its typical loan of $135,000 is lower than about nine in ten similar lenders' ($205,000); similar lenders are national banks making between half and twice as many loans. Home improvement was 27.3% of its loans and home purchase 50.1%. All of its loans were conventional, with no government-backed lending, and its 10% growth matched both similar lenders and the whole market.
Loans in low- and moderate-income (LMI) areas were 22.6% of its total, up from 10.9% five years before and higher than more than eight in ten similar lenders (14.1%). Its share in majority-minority areas rose to 7.7% from 1.1%, close to similar lenders' 8.4%. LMI borrowers took 23.3%, against 27.1%; the incomes in the markets it serves could be one reason.
It ranks 9 of 251 lenders in Rochester, where its share fell to 2.6% from 3.1%; Premium Mortgage and ESL Federal Credit Union lead. Shares here are counted in dollars, and its typical loan fell to $135,000 from $155,000, so smaller loans rather than fewer may account for the fall. It ranks 8 of 377 in non-metro New York.
It turned down 1.9% of first-lien home-purchase applications on owner-occupied homes, against 5.8% at similar lenders, among the lowest twentieth.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Lyons National Bank took 1,340 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.1% · Home improvement 27.3% · Refinance 13.1% · Other 9.4%
Conventional 100.0% · of 1,167 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 1,164 | 99.7% |
| Florida | 1 | 0.1% |
| North Carolina | 1 | 0.1% |
| Virginia | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rochester | 683 |
| Syracuse | 62 |
| Utica-Rome | 8 |
| Albany-Schenectady-Troy | 5 |
| Buffalo-Cheektowaga | 4 |
| Elmira | 3 |
| Binghamton | 2 |
| Ithaca | 2 |
| Charlotte-Concord-Gastonia | 1 |
| Nassau County-Suffolk County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900Q6IHGQO7INVC79 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 323204 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 11027 | 1990–2017 |
Established 1 January 1865. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Lyons National Bank's data.
The Lyons National Bank's data
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The Lyons National Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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