Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2003
In 2003, Canandaigua National Bank & Trust of Canandaigua, NY reported 1,875 mortgage applications totaling $204.5 million. The average application was for $109,089, and applicants reported an average income of $84,265. 9% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Rochester, NY (1,765), Buffalo-Niagara Falls, NY (5) and Cleveland-Lorain-Elyria, OH (2) (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 | 1,875 |
| Total Mortgage Loan Application Amount | $204,542,000 |
| Average Mortgage Loan Application Amount | $109,089 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $84,265 |
| Highest Applicant Income | $565,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Ontario, New York | 885 | $ 91,384,000 | $ 103,258 | $ 55,000 |
| Monroe, New York | 740 | $ 87,727,000 | $ 118,550 | $ 86,000 |
| Wayne, New York | 70 | $ 6,709,000 | $ 95,842 | $ 44,000 |
| Livingston, New York | 65 | $ 5,657,000 | $ 87,030 | $ 78,000 |
| Yates, New York | 64 | $ 6,670,000 | $ 104,218 | $ 78,000 |
| Steuben, New York | 14 | $ 831,000 | $ 59,357 | $ 70,000 |
| Erie, New York | 5 | $ 512,000 | $ 102,400 | $ 87,000 |
| Genesee, New York | 5 | $ 260,000 | $ 52,000 | $ 65,000 |
| Seneca, New York | 5 | $ 989,000 | $ 197,800 | $ 135,000 |
| Palm Beach, Florida | 2 | $ 330,000 | $ 165,000 | $ 97,000 |
| Oneida, New York | 2 | $ 80,000 | $ 40,000 | $ 61,000 |
| Warren, New York | 2 | $ 226,000 | $ 113,000 | $ 137,000 |
| Wyoming, New York | 2 | $ 193,000 | $ 96,500 | $ 85,000 |
| Cuyahoga, Ohio | 2 | $ 632,000 | $ 316,000 | $ 530,000 |
| Lee, Florida | 1 | $ 229,000 | $ 229,000 | $ 168,000 |
| St. Johns, Florida | 1 | $ 85,000 | $ 85,000 | $ 52,000 |
| Hancock, Maine | 1 | $ 150,000 | $ 150,000 | $ 114,000 |
| Dukes, Massachusetts | 1 | $ 225,000 | $ 225,000 | $ 364,000 |
| Cayuga, New York | 1 | $ 70,000 | $ 70,000 | $ 93,000 |
| Dutchess, New York | 1 | $ 155,000 | $ 155,000 | $ 72,000 |
| Lewis, New York | 1 | $ 130,000 | $ 130,000 | $ 103,000 |
| Onondaga, New York | 1 | $ 158,000 | $ 158,000 | $ 75,000 |
| Orleans, New York | 1 | $ 232,000 | $ 232,000 | $ 69,000 |
| Buncombe, North Carolina | 1 | $ 300,000 | $ 300,000 | $ 264,000 |
| Addison, Vermont | 1 | $ 285,000 | $ 285,000 | $ 142,000 |
| Albemarle, Virginia | 1 | $ 323,000 | $ 323,000 | $ 225,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 1,356 | $162,997,000 | $228,250 | $750,000 | $143,250 | $525,000 |
| Home Purchase (one-to-four family) | 291 | $36,517,000 | $199,833 | $578,000 | $236,500 | $565,000 |
| Home Improvement (one-to-four family) | 221 | $2,420,000 | $10,000 | $80,000 | $55,000 | $490,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 7 | $2,608,000 | $372,000 | $1,500,000 | $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 | 1,820 | $197,905,000 | $233,375 | $750,000 | $227,250 | $565,000 |
| Information not provided by applicant in mail or telephone application | 13 | $844,000 | $64,000 | $322,000 | $44,000 | $86,000 |
| Asian or Pacific Islander | 11 | $1,566,000 | $142,000 | $323,000 | $99,000 | $398,000 |
| Hispanic | 11 | $735,000 | $66,000 | $223,000 | $75,000 | $124,000 |
| Black | 8 | $862,000 | $107,000 | $489,000 | $79,000 | $184,000 |
| American Indian or Alaskan Native | 5 | $138,000 | $27,000 | $80,000 | $42,000 | $56,000 |
| Not applicable | 5 | $2,116,000 | $423,000 | $1,500,000 | $0 | $0 |
| Other | 2 | $376,000 | $188,000 | $203,000 | $282,000 | $495,000 |
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) | 1,875 | $204,542,000 | $233,500 | $1,500,000 | $227,000 | $565,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1,625 | $196,914,000 | $235,875 | $489,000 | $224,875 | $558,000 |
| Loan Originated | 169 | $6,326,000 | $172,000 | $1,500,000 | $317,500 | $565,000 |
| Application Denied By Financial Institution | 74 | $1,232,000 | $16,000 | $380,000 | $32,000 | $125,000 |
| Application Approved But Not Accepted | 7 | $70,000 | $10,000 | $15,000 | $59,000 | $155,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 40 | $354,000 | $8,000 | $80,000 | $34,000 | $88,000 |
| Collateral | 20 | $326,000 | $16,000 | $60,000 | $38,000 | $125,000 |
| Debt-To-Income Ratio | 11 | $84,000 | $7,000 | $25,000 | $38,000 | $76,000 |
| Employment History | 2 | $88,000 | $44,000 | $75,000 | $11,000 | $23,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $380,000 | $380,000 | $380,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Canandaigua National Bank & Trust's 2003 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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