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 score and performance metrics.

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 an overall pricing score of 66.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is The Lyons National Bank?

The Lyons National Bank is a Bank headquartered in Lyons, NY.

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The Lyons National Bank

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We analyzed every closed loan from The Lyons National Bank — 473 loans across 521 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

The Lyons National Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+29.7 bps above market avg

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

462 loans · 0.30% above market

Strong

Top 40% of lenders

4/5

Jumbo

11 loans · 0.09% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

440 loans · 0.28% above market

Strong

Top 40% of lenders

4/5

Refinance

33 loans · 0.49% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Strong	Strong	462	97.7%	+0.303%Above	$996Fees
Jumbo Loans	Sound	Sound	—	—	11	2.3%	+0.090%Above	$371Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume462

Mix97.7%

Spread

+0.303%Above

Fees

$996Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume11

Mix2.3%

Spread

+0.090%Above

Fees

$371Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Strong	Strong	440	93.0%	+0.282%Above	$963Fees
Refinance	Sound	Sound	Acceptable	Strong	33	7.0%	+0.489%Above	$1,199Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume440

Mix93.0%

Spread

+0.282%Above

Fees

$963Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume33

Mix7.0%

Spread

+0.489%Above

Fees

$1,199Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

473

Applications

521

Volume

$124 million

Pricing & Closing

Avg Rate Spread

+0.297%

vs. market APOR

Avg Net Fees

$980

Origination − Credits

Pullthrough Rate

90.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$263,964

Avg Borrower Income

$139,550

Avg Property Value

$354,725

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast1

South1

Top Metro Areas by Place Specialization Score

Rochester, NYMetro

Volume 252Mix 53.28% of portfolio

80/100

Strong

Syracuse, NYMetro

Volume 36Mix 7.61% of portfolio

59/100

Sound

Top States by Place Specialization Score

New YorkState

Volume 470Mix 99.37% of portfolio

82/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.