Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2006
In 2006, Canandaigua National Bank & Trust of Canandaigua, NY reported 835 mortgage applications totaling $83.9 million, up 17% from 2005. The average application was for $100,476, and applicants reported an average income of $85,895. 39% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Rochester, NY (765), Syracuse, NY (5) and Tampa-St. Petersburg-Clearwater, FL (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 | 835 |
| Total Mortgage Loan Application Amount | $83,898,000 |
| Average Mortgage Loan Application Amount | $100,476 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $85,895 |
| Highest Applicant Income | $892,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 405 | $ 38,554,000 | $ 95,195 | $ 76,000 |
| Monroe, New York | 301 | $ 30,922,000 | $ 102,730 | $ 96,000 |
| Wayne, New York | 33 | $ 2,616,000 | $ 79,272 | $ 80,000 |
| Livingston, New York | 27 | $ 1,841,000 | $ 68,185 | $ 76,000 |
| Yates, New York | 27 | $ 3,240,000 | $ 120,000 | $ 99,000 |
| Steuben, New York | 12 | $ 802,000 | $ 66,833 | $ 88,000 |
| Onondaga, New York | 5 | $ 307,000 | $ 61,400 | $ 42,000 |
| Genesee, New York | 3 | $ 629,000 | $ 209,666 | $ 72,000 |
| Cayuga, New York | 2 | $ 235,000 | $ 117,500 | $ 84,000 |
| Schuyler, New York | 2 | $ 372,000 | $ 186,000 | $ 120,000 |
| Seneca, New York | 2 | $ 155,000 | $ 77,500 | $ 72,000 |
| Hernando, Florida | 1 | $ 228,000 | $ 228,000 | $ 32,000 |
| Lee, Florida | 1 | $ 135,000 | $ 135,000 | $ 134,000 |
| Osceola, Florida | 1 | $ 600,000 | $ 600,000 | $ 350,000 |
| Pinellas, Florida | 1 | $ 255,000 | $ 255,000 | $ 194,000 |
| Essex, New Jersey | 1 | $ 200,000 | $ 200,000 | $ 37,000 |
| Allegany, New York | 1 | $ 67,000 | $ 67,000 | $ 84,000 |
| Erie, New York | 1 | $ 76,000 | $ 76,000 | $ 99,000 |
| Hamilton, New York | 1 | $ 140,000 | $ 140,000 | $ 134,000 |
| Jefferson, New York | 1 | $ 230,000 | $ 230,000 | $ 221,000 |
| New York, New York | 1 | $ 630,000 | $ 630,000 | $ 125,000 |
| Brunswick, North Carolina | 1 | $ 147,000 | $ 147,000 | $ 53,000 |
| Dare, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 216,000 |
| Charleston, South Carolina | 1 | $ 500,000 | $ 500,000 | $ 359,000 |
| Georgetown, South Carolina | 1 | $ 200,000 | $ 200,000 | $ 360,000 |
| Washington, Utah | 1 | $ 300,000 | $ 300,000 | $ 74,000 |
| Walworth, Wisconsin | 1 | $ 417,000 | $ 417,000 | $ 416,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2006
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 | 343 | $45,140,000 | $131,000 | $1,200,000 | $89,000 | $892,000 |
| Home Improvement | 260 | $6,199,000 | $23,000 | $250,000 | $71,000 | $360,000 |
| Home Purchase | 232 | $32,559,000 | $140,000 | $1,000,000 | $98,000 | $515,000 |
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 | 806 | $79,778,000 | $98,000 | $1,200,000 | $86,000 | $892,000 |
| Hispanic | 10 | $798,000 | $79,000 | $332,000 | $62,000 | $194,000 |
| Black or African American | 7 | $347,000 | $49,000 | $173,000 | $60,000 | $111,000 |
| Asian | 5 | $924,000 | $184,000 | $518,000 | $116,000 | $361,000 |
| Not applicable | 3 | $728,000 | $242,000 | $580,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $93,000 | $46,000 | $48,000 | $49,000 | $51,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $1,000,000 | $1,000,000 | $1,000,000 | $510,000 | $510,000 |
| Not Provided | 1 | $230,000 | $230,000 | $230,000 | $103,000 | $103,000 |
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) | 835 | $83,898,000 | $100,000 | $1,200,000 | $86,000 | $892,000 |
| 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 | 394 | $66,271,000 | $168,000 | $1,200,000 | $100,000 | $892,000 |
| Loan Originated | 323 | $14,169,000 | $43,000 | $950,000 | $78,000 | $599,000 |
| Application Denied By Financial Institution | 95 | $2,791,000 | $29,000 | $300,000 | $54,000 | $172,000 |
| Application Approved But Not Accepted | 17 | $398,000 | $23,000 | $67,000 | $86,000 | $250,000 |
| Application Withdrawn By Applicant | 6 | $269,000 | $44,000 | $130,000 | $93,000 | $186,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 48 | $840,000 | $17,000 | $86,000 | $54,000 | $172,000 |
| Debt-To-Income Ratio | 22 | $1,160,000 | $52,000 | $300,000 | $42,000 | $90,000 |
| Collateral | 18 | $600,000 | $33,000 | $91,000 | $71,000 | $150,000 |
| Employment History | 5 | $90,000 | $18,000 | $35,000 | $31,000 | $65,000 |
| Other | 1 | $93,000 | $93,000 | $93,000 | $94,000 | $94,000 |
| Unverifiable Information | 1 | $8,000 | $8,000 | $8,000 | $34,000 | $34,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Canandaigua National Bank & Trust's 2006 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About