Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, Canandaigua National Bank & Trust of Canandaigua, NY reported 1,811 mortgage applications totaling $258.3 million, up 105% from 2008. The average application was for $142,601, and applicants reported an average income of $113,114. 8% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Rochester, NY (1,696), Syracuse, NY (8) and Buffalo-Niagara Falls, NY (6) (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 | 1,811 |
| Total Mortgage Loan Application Amount | $258,251,000 |
| Average Mortgage Loan Application Amount | $142,601 |
| Highest Mortgage Loan Application Amount | $1,861,000 |
| Average Applicant Income | $113,114 |
| Highest Applicant Income | $4,851,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 905 | $ 125,996,000 | $ 139,222 | $ 112,000 |
| Ontario, New York | 675 | $ 98,641,000 | $ 146,134 | $ 114,000 |
| Wayne, New York | 70 | $ 9,032,000 | $ 129,028 | $ 94,000 |
| Yates, New York | 54 | $ 9,919,000 | $ 183,685 | $ 153,000 |
| Livingston, New York | 41 | $ 5,446,000 | $ 132,829 | $ 91,000 |
| Steuben, New York | 9 | $ 1,539,000 | $ 171,000 | $ 177,000 |
| Genesee, New York | 7 | $ 1,118,000 | $ 159,714 | $ 115,000 |
| Onondaga, New York | 7 | $ 776,000 | $ 110,857 | $ 75,000 |
| Allegany, New York | 6 | $ 525,000 | $ 87,500 | $ 56,000 |
| Erie, New York | 6 | $ 593,000 | $ 98,833 | $ 83,000 |
| Orleans, New York | 6 | $ 665,000 | $ 110,833 | $ 82,000 |
| Seneca, New York | 5 | $ 1,036,000 | $ 207,200 | $ 171,000 |
| Cayuga, New York | 2 | $ 263,000 | $ 131,500 | $ 71,000 |
| Oneida, New York | 2 | $ 160,000 | $ 80,000 | $ 89,000 |
| St. Lawrence, New York | 2 | $ 161,000 | $ 80,500 | $ 127,000 |
| Columbia, Florida | 1 | $ 6,000 | $ 6,000 | $ 24,000 |
| Chemung, New York | 1 | $ 175,000 | $ 175,000 | $ 152,000 |
| Hamilton, New York | 1 | $ 66,000 | $ 66,000 | $ 63,000 |
| Herkimer, New York | 1 | $ 249,000 | $ 249,000 | $ 177,000 |
| Jefferson, New York | 1 | $ 100,000 | $ 100,000 | $ 58,000 |
| Kings, New York | 1 | $ 280,000 | $ 280,000 | $ 229,000 |
| Lewis, New York | 1 | $ 120,000 | $ 120,000 | $ 143,000 |
| Madison, New York | 1 | $ 130,000 | $ 130,000 | $ 109,000 |
| New York, New York | 1 | $ 700,000 | $ 700,000 | $ 351,000 |
| Schuyler, New York | 1 | $ 123,000 | $ 123,000 | $ 76,000 |
| Warren, New York | 1 | $ 225,000 | $ 225,000 | $ 121,000 |
| Wyoming, New York | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Rutherford, Tennessee | 1 | $ 20,000 | $ 20,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2009
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 | 1,187 | $187,807,000 | $158,000 | $1,861,000 | $119,000 | $4,851,000 |
| Home Purchase | 470 | $68,383,000 | $145,000 | $1,425,000 | $115,000 | $1,092,000 |
| Home Improvement | 154 | $2,061,000 | $13,000 | $110,000 | $62,000 | $192,000 |
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 | 1,728 | $246,484,000 | $142,000 | $1,861,000 | $113,000 | $4,851,000 |
| Asian | 25 | $4,449,000 | $177,000 | $417,000 | $182,000 | $816,000 |
| Not Provided | 20 | $1,409,000 | $70,000 | $375,000 | $97,000 | $210,000 |
| Hispanic | 14 | $1,791,000 | $127,000 | $291,000 | $70,000 | $147,000 |
| Black or African American | 12 | $689,000 | $57,000 | $216,000 | $97,000 | $223,000 |
| Not applicable | 10 | $3,242,000 | $324,000 | $1,425,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $77,000 | $77,000 | $77,000 | $18,000 | $18,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $110,000 | $110,000 | $110,000 | $99,000 | $99,000 |
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) | 1,811 | $258,251,000 | $142,000 | $1,861,000 | $113,000 | $4,851,000 |
| 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 | 1,600 | $251,378,000 | $157,000 | $1,861,000 | $121,000 | $4,851,000 |
| Loan Originated | 141 | $5,611,000 | $39,000 | $1,425,000 | $54,000 | $221,000 |
| Application Denied By Financial Institution | 56 | $896,000 | $16,000 | $65,000 | $55,000 | $186,000 |
| Application Approved But Not Accepted | 11 | $198,000 | $18,000 | $64,000 | $55,000 | $98,000 |
| Application Withdrawn By Applicant | 3 | $168,000 | $56,000 | $73,000 | $66,000 | $120,000 |
| 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 | 36 | $488,000 | $13,000 | $50,000 | $57,000 | $186,000 |
| Debt-To-Income Ratio | 17 | $319,000 | $18,000 | $59,000 | $52,000 | $130,000 |
| Collateral | 3 | $89,000 | $29,000 | $65,000 | $50,000 | $82,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Canandaigua National Bank & Trust's 2009 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