Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, Canandaigua National Bank & Trust of Canandaigua, NY reported 714 mortgage applications totaling $66.4 million, down 15% from 2004. The average application was for $93,047, and applicants reported an average income of $69,256. 30% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Rochester, NY (660), Tampa-St. Petersburg-Clearwater, FL (2) and Elmira, NY (1) (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 | 714 |
| Total Mortgage Loan Application Amount | $66,436,000 |
| Average Mortgage Loan Application Amount | $93,047 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $69,256 |
| Highest Applicant Income | $1,131,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 427 | $ 36,849,000 | $ 86,297 | $ 66,000 |
| Monroe, New York | 184 | $ 18,970,000 | $ 103,097 | $ 70,000 |
| Wayne, New York | 27 | $ 1,447,000 | $ 53,592 | $ 69,000 |
| Yates, New York | 25 | $ 3,630,000 | $ 145,200 | $ 88,000 |
| Livingston, New York | 21 | $ 1,139,000 | $ 54,238 | $ 82,000 |
| Steuben, New York | 5 | $ 199,000 | $ 39,800 | $ 30,000 |
| Genesee, New York | 3 | $ 160,000 | $ 53,333 | $ 25,000 |
| Cayuga, New York | 2 | $ 150,000 | $ 75,000 | $ 65,000 |
| Lewis, New York | 2 | $ 55,000 | $ 27,500 | $ 33,000 |
| Seneca, New York | 2 | $ 76,000 | $ 38,000 | $ 92,000 |
| Pinal, Arizona | 1 | $ 158,000 | $ 158,000 | $ 44,000 |
| Napa, California | 1 | $ 294,000 | $ 294,000 | $ 0 |
| Collier, Florida | 1 | $ 850,000 | $ 850,000 | $ 550,000 |
| Hillsborough, Florida | 1 | $ 58,000 | $ 58,000 | $ 32,000 |
| Miami-Dade, Florida | 1 | $ 15,000 | $ 15,000 | $ 31,000 |
| Osceola, Florida | 1 | $ 329,000 | $ 329,000 | $ 112,000 |
| Pinellas, Florida | 1 | $ 455,000 | $ 455,000 | $ 53,000 |
| Chemung, New York | 1 | $ 18,000 | $ 18,000 | $ 45,000 |
| Cortland, New York | 1 | $ 89,000 | $ 89,000 | $ 36,000 |
| Franklin, New York | 1 | $ 935,000 | $ 935,000 | $ 88,000 |
| Jefferson, New York | 1 | $ 51,000 | $ 51,000 | $ 28,000 |
| Orleans, New York | 1 | $ 30,000 | $ 30,000 | $ 75,000 |
| Tompkins, New York | 1 | $ 120,000 | $ 120,000 | $ 250,000 |
| Wyoming, New York | 1 | $ 118,000 | $ 118,000 | $ 59,000 |
| Craven, North Carolina | 1 | $ 101,000 | $ 101,000 | $ 109,000 |
| Pender, North Carolina | 1 | $ 140,000 | $ 140,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2005
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 | 254 | $31,477,000 | $189,000 | $750,000 | $57,500 | $600,000 |
| Home Purchase | 240 | $31,705,000 | $257,600 | $1,200,000 | $108,600 | $1,131,000 |
| Home Improvement | 220 | $3,254,000 | $14,500 | $175,000 | $43,500 | $689,000 |
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 | 691 | $62,558,000 | $200,200 | $935,000 | $71,800 | $1,131,000 |
| Hispanic | 8 | $1,513,000 | $189,000 | $360,000 | $99,000 | $256,000 |
| Asian | 6 | $609,000 | $101,000 | $300,000 | $108,000 | $318,000 |
| Not applicable | 3 | $1,486,000 | $495,000 | $1,200,000 | $12,000 | $25,000 |
| Not Provided | 3 | $79,000 | $26,000 | $60,000 | $50,000 | $68,000 |
| Black or African American | 2 | $176,000 | $88,000 | $117,000 | $33,000 | $44,000 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $35,000 | $35,000 |
| 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) | 714 | $66,436,000 | $200,600 | $1,200,000 | $72,000 | $1,131,000 |
| 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 | 410 | $58,429,000 | $226,800 | $935,000 | $82,600 | $1,131,000 |
| Loan Originated | 213 | $6,504,000 | $30,000 | $1,200,000 | $55,000 | $689,000 |
| Application Denied By Financial Institution | 81 | $1,322,000 | $15,500 | $70,000 | $38,000 | $141,000 |
| Application Approved But Not Accepted | 10 | $181,000 | $18,000 | $75,000 | $55,000 | $177,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 41 | $525,000 | $13,500 | $61,000 | $38,500 | $101,000 |
| Debt-To-Income Ratio | 19 | $348,000 | $18,000 | $70,000 | $33,000 | $64,000 |
| Collateral | 17 | $293,000 | $17,000 | $32,000 | $58,000 | $141,000 |
| Credit Application Incomplete | 1 | $60,000 | $60,000 | $60,000 | $68,000 | $68,000 |
| Unverifiable Information | 1 | $26,000 | $26,000 | $26,000 | $35,000 | $35,000 |
| Employment History | 1 | $10,000 | $10,000 | $10,000 | $36,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $60,000 | $60,000 | $60,000 | $31,000 | $31,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Canandaigua National Bank & Trust's 2005 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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