Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Canandaigua National Bank & Trust of Canandaigua, NY reported 1,709 mortgage applications totaling $465.5 million, down 1% from 2024. The average application was for $272,378, and applicants reported an average income of $189,146. 44% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Rochester, NY (1,471), Syracuse, NY (22) and Buffalo-Cheektowaga-Niagara Falls, NY (18) (applications in parentheses).
| Mortgage Company & Address | Canandaigua National Bank & Trust 72 South Main St Canandaigua, NY 14424 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,709 |
| Total Mortgage Loan Application Amount | $465,495,000 |
| Average Mortgage Loan Application Amount | $272,378 |
| Highest Mortgage Loan Application Amount | $9,105,000 |
| Average Applicant Income | $189,146 |
| Highest Applicant Income | $6,477,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Monroe, New York | 989 | $ 265,575,000 | $ 268,528 | $ 185,000 |
| Ontario, New York | 311 | $ 72,185,000 | $ 232,106 | $ 172,000 |
| Wayne, New York | 84 | $ 20,660,000 | $ 245,952 | $ 125,000 |
| Livingston, New York | 60 | $ 12,390,000 | $ 206,500 | $ 149,000 |
| Yates, New York | 43 | $ 17,975,000 | $ 418,023 | $ 223,000 |
| Steuben, New York | 29 | $ 7,285,000 | $ 251,206 | $ 171,000 |
| Orleans, New York | 27 | $ 4,675,000 | $ 173,148 | $ 108,000 |
| Genesee, New York | 19 | $ 2,575,000 | $ 135,526 | $ 143,000 |
| Onondaga, New York | 19 | $ 6,145,000 | $ 323,421 | $ 126,000 |
| Seneca, New York | 19 | $ 8,755,000 | $ 460,789 | $ 301,000 |
| Erie, New York | 12 | $ 3,930,000 | $ 327,500 | $ 228,000 |
| Niagara, New York | 6 | $ 1,460,000 | $ 243,333 | $ 158,000 |
| Schuyler, New York | 6 | $ 1,960,000 | $ 326,666 | $ 170,000 |
| Manatee, Florida | 5 | $ 3,445,000 | $ 689,000 | $ 267,000 |
| Palm Beach, Florida | 4 | $ 7,280,000 | $ 1,820,000 | $ 1,491,000 |
| Pinellas, Florida | 4 | $ 2,360,000 | $ 590,000 | $ 465,000 |
| Cattaraugus, New York | 4 | $ 1,550,000 | $ 387,500 | $ 493,000 |
| Oneida, New York | 4 | $ 780,000 | $ 195,000 | $ 91,000 |
| Wyoming, New York | 4 | $ 570,000 | $ 142,500 | $ 71,000 |
| Allegany, New York | 3 | $ 675,000 | $ 225,000 | $ 140,000 |
| Jefferson, New York | 3 | $ 1,115,000 | $ 371,666 | $ 325,000 |
| Oswego, New York | 3 | $ 1,565,000 | $ 521,666 | $ 0 |
| Beaufort, South Carolina | 3 | $ 1,215,000 | $ 405,000 | $ 493,000 |
| Lee, Florida | 2 | $ 440,000 | $ 220,000 | $ 87,000 |
| Marion, Florida | 2 | $ 320,000 | $ 160,000 | $ 214,000 |
| Miami-Dade, Florida | 2 | $ 1,960,000 | $ 980,000 | $ 494,000 |
| St. Johns, Florida | 2 | $ 800,000 | $ 400,000 | $ 125,000 |
| Cayuga, New York | 2 | $ 630,000 | $ 315,000 | $ 268,000 |
| Hamilton, New York | 2 | $ 540,000 | $ 270,000 | $ 135,000 |
| Herkimer, New York | 2 | $ 400,000 | $ 200,000 | $ 160,000 |
| Morgan, Alabama | 1 | $ 335,000 | $ 335,000 | $ 95,000 |
| Maricopa, Arizona | 1 | $ 405,000 | $ 405,000 | $ 198,000 |
| Naugatuck Valley Planning Region, Connecticut | 1 | $ 685,000 | $ 685,000 | $ 271,000 |
| District of Columbia, District Of Columbia | 1 | $ 165,000 | $ 165,000 | $ 89,000 |
| Charlotte, Florida | 1 | $ 665,000 | $ 665,000 | $ 374,000 |
| Collier, Florida | 1 | $ 2,405,000 | $ 2,405,000 | $ 2,314,000 |
| Duval, Florida | 1 | $ 225,000 | $ 225,000 | $ 114,000 |
| Hillsborough, Florida | 1 | $ 325,000 | $ 325,000 | $ 633,000 |
| Leon, Florida | 1 | $ 305,000 | $ 305,000 | $ 208,000 |
| Martin, Florida | 1 | $ 1,005,000 | $ 1,005,000 | $ 1,291,000 |
| Orange, Florida | 1 | $ 455,000 | $ 455,000 | $ 155,000 |
| Pasco, Florida | 1 | $ 185,000 | $ 185,000 | $ 314,000 |
| Sarasota, Florida | 1 | $ 235,000 | $ 235,000 | $ 0 |
| St. Lucie, Florida | 1 | $ 225,000 | $ 225,000 | $ 142,000 |
| Cook, Illinois | 1 | $ 875,000 | $ 875,000 | $ 350,000 |
| Scott, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Norfolk, Massachusetts | 1 | $ 205,000 | $ 205,000 | $ 107,000 |
| Morris, New Jersey | 1 | $ 405,000 | $ 405,000 | $ 323,000 |
| Broome, New York | 1 | $ 205,000 | $ 205,000 | $ 121,000 |
| Chemung, New York | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Chenango, New York | 1 | $ 145,000 | $ 145,000 | $ 58,000 |
| Columbia, New York | 1 | $ 585,000 | $ 585,000 | $ 207,000 |
| Franklin, New York | 1 | $ 315,000 | $ 315,000 | $ 345,000 |
| Lewis, New York | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Westchester, New York | 1 | $ 255,000 | $ 255,000 | $ 141,000 |
| Brunswick, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 85,000 |
| Jackson, North Carolina | 1 | $ 225,000 | $ 225,000 | $ 116,000 |
| Mecklenburg, North Carolina | 1 | $ 55,000 | $ 55,000 | $ 113,000 |
| Hamilton, Ohio | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Charleston, South Carolina | 1 | $ 765,000 | $ 765,000 | $ 453,000 |
| Dorchester, South Carolina | 1 | $ 345,000 | $ 345,000 | $ 168,000 |
| Horry, South Carolina | 1 | $ 795,000 | $ 795,000 | $ 259,000 |
| Dallas, Texas | 1 | $ 405,000 | $ 405,000 | $ 477,000 |
| Fluvanna, Virginia | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 577 | $224,225,000 | $388,000 | $9,105,000 | $190,000 | $5,105,000 |
| Cash-out Refinancing | 442 | $131,720,000 | $298,000 | $7,505,000 | $225,000 | $6,477,000 |
| Home Improvement | 391 | $48,475,000 | $123,000 | $1,305,000 | $162,000 | $3,128,000 |
| Other Purpose | 227 | $36,555,000 | $161,000 | $1,875,000 | $170,000 | $1,252,000 |
| Refinancing | 72 | $24,520,000 | $340,000 | $5,005,000 | $170,000 | $633,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,295 | $293,815,000 | $226,000 | $5,005,000 | $189,000 | $6,477,000 |
| Not applicable | 242 | $133,060,000 | $549,000 | $9,105,000 | $0 | $0 |
| Hispanic | 63 | $11,495,000 | $182,000 | $855,000 | $120,000 | $928,000 |
| Asian | 54 | $15,530,000 | $287,000 | $1,495,000 | $206,000 | $900,000 |
| Black or African American | 39 | $7,165,000 | $183,000 | $1,105,000 | $155,000 | $889,000 |
| Not Provided | 13 | $4,115,000 | $316,000 | $1,215,000 | $234,000 | $500,000 |
| American Indian or Alaskan Native | 3 | $315,000 | $105,000 | $175,000 | $77,000 | $91,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,707 | $464,865,000 | $272,000 | $9,105,000 | $186,000 | $6,477,000 |
| FHA-insured (Federal Housing Administration) | 2 | $630,000 | $315,000 | $605,000 | $182,000 | $330,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Purchased By The Institution | 770 | $237,670,000 | $308,000 | $5,005,000 | $192,000 | $5,105,000 |
| Loan Originated | 749 | $187,265,000 | $250,000 | $9,105,000 | $190,000 | $3,128,000 |
| Application Denied By Financial Institution | 123 | $20,395,000 | $165,000 | $3,005,000 | $90,000 | $498,000 |
| Application Approved But Not Accepted | 44 | $8,190,000 | $186,000 | $1,005,000 | $286,000 | $6,477,000 |
| Application Withdrawn By Applicant | 23 | $11,975,000 | $520,000 | $3,045,000 | $186,000 | $900,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,586 | $445,100,000 | $280,000 | $9,105,000 | $194,000 | $6,477,000 |
| Debt-To-Income Ratio | 61 | $8,555,000 | $140,000 | $405,000 | $60,000 | $214,000 |
| Credit History | 34 | $3,020,000 | $88,000 | $265,000 | $96,000 | $225,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $5,130,000 | $513,000 | $3,005,000 | $0 | $0 |
| Collateral | 8 | $2,140,000 | $267,000 | $805,000 | $245,000 | $498,000 |
| Unverifiable Information | 6 | $920,000 | $153,000 | $245,000 | $96,000 | $199,000 |
| Other | 2 | $540,000 | $270,000 | $505,000 | $170,000 | $283,000 |
| Credit Application Incomplete | 1 | $15,000 | $15,000 | $15,000 | $377,000 | $377,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $27,000 | $27,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Canandaigua National Bank & Trust's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Canandaigua National Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.
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