Purchase Originations
405
Median Total Costs
$4,378
−34.5% vs national ($6,680)
↑ $384 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$1,194
Median Lender Credits
$133
Denial Rate
2.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 405 | 6.500% | $4,378 | $1,194 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 405 | 6.500% | $4,378 | #57 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,773 | 6.000% | — | 3 | −$605 | |
| 2 | $3,990 | 6.500% | — | 73 | −$388 | |
| 3 | $4,039 | 6.500% | — | 60 | −$339 | |
| 4 | $4,131 | 6.625% | — | 64 | −$247 | |
| 5 | $4,332 | 6.438% | — | 2 | −$46 | |
| 6 | $4,341 | 6.500% | — | 31 | −$37 | |
| 7 | $4,474 | 6.625% | — | 37 | +$96 | |
| 8 | $4,507 | 6.625% | — | 30 | +$129 | |
| 9 | $4,586 | 6.875% | — | 1 | +$208 | |
| 10 | $4,638 | 6.625% | — | 1 | +$260 | |
| 11 | $4,688 | 6.250% | — | 1 | +$310 | |
| 12 | $4,714 | 6.500% | — | 6 | +$336 | |
| 13 | $5,069 | 6.500% | — | 86 | +$691 | |
| 14 | $5,146 | 6.375% | — | 1 | +$768 | |
| 15 | $5,318 | 5.875% | — | 1 | +$940 | |
| 16 | $5,333 | 6.500% | — | 1 | +$955 | |
| 17 | $5,404 | 6.500% | — | 3 | +$1,026 | |
| 18 | $5,668 | 6.000% | — | 1 | +$1,290 | |
| 19 | $5,993 | 6.625% | — | 1 | +$1,615 | |
| 20 | $7,252 | 6.625% | — | 1 | +$2,874 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | The Lyons National Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $215,000 | $335,000 | −$120,000 (−35.8%) |
| Median total closing costs | $4,378 | $7,127 | −$2,749 (−38.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.