Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Canandaigua National Bank & Trust of Canandaigua, NY reported 1,767 mortgage applications totaling $285.8 million, up 61% from 2011. The average application was for $161,715, and applicants reported an average income of $127,524. 7% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Rochester, NY (1,611), Buffalo-Niagara Falls, NY (9) and Naples-Marco Island, FL (3) (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 | 1,767 |
| Total Mortgage Loan Application Amount | $285,752,000 |
| Average Mortgage Loan Application Amount | $161,715 |
| Highest Mortgage Loan Application Amount | $1,680,000 |
| Average Applicant Income | $127,524 |
| Highest Applicant Income | $4,734,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 930 | $ 148,947,000 | $ 160,158 | $ 118,000 |
| Ontario, New York | 559 | $ 90,412,000 | $ 161,738 | $ 138,000 |
| Wayne, New York | 76 | $ 10,983,000 | $ 144,513 | $ 93,000 |
| Yates, New York | 55 | $ 12,024,000 | $ 218,618 | $ 182,000 |
| Livingston, New York | 42 | $ 6,216,000 | $ 148,000 | $ 104,000 |
| Steuben, New York | 16 | $ 2,429,000 | $ 151,812 | $ 165,000 |
| Seneca, New York | 8 | $ 1,301,000 | $ 162,625 | $ 100,000 |
| Erie, New York | 6 | $ 1,265,000 | $ 210,833 | $ 106,000 |
| Genesee, New York | 5 | $ 528,000 | $ 105,600 | $ 86,000 |
| Wyoming, New York | 5 | $ 414,000 | $ 82,800 | $ 83,000 |
| Allegany, New York | 4 | $ 268,000 | $ 67,000 | $ 154,000 |
| Orleans, New York | 4 | $ 477,000 | $ 119,250 | $ 112,000 |
| Collier, Florida | 3 | $ 651,000 | $ 217,000 | $ 229,000 |
| Cayuga, New York | 3 | $ 269,000 | $ 89,666 | $ 80,000 |
| Lewis, New York | 3 | $ 505,000 | $ 168,333 | $ 79,000 |
| Niagara, New York | 3 | $ 262,000 | $ 87,333 | $ 84,000 |
| Onondaga, New York | 3 | $ 197,000 | $ 65,666 | $ 69,000 |
| Flagler, Florida | 2 | $ 234,000 | $ 117,000 | $ 86,000 |
| Lee, Florida | 2 | $ 195,000 | $ 97,500 | $ 97,000 |
| Jefferson, New York | 2 | $ 406,000 | $ 203,000 | $ 236,000 |
| Maricopa, Arizona | 1 | $ 384,000 | $ 384,000 | $ 681,000 |
| Hillsborough, Florida | 1 | $ 106,000 | $ 106,000 | $ 136,000 |
| Marion, Florida | 1 | $ 114,000 | $ 114,000 | $ 121,000 |
| Miami-Dade, Florida | 1 | $ 417,000 | $ 417,000 | $ 381,000 |
| Monroe, Florida | 1 | $ 210,000 | $ 210,000 | $ 48,000 |
| Nassau, Florida | 1 | $ 417,000 | $ 417,000 | $ 421,000 |
| Osceola, Florida | 1 | $ 260,000 | $ 260,000 | $ 1,422,000 |
| Palm Beach, Florida | 1 | $ 243,000 | $ 243,000 | $ 192,000 |
| Tippecanoe, Indiana | 1 | $ 233,000 | $ 233,000 | $ 234,000 |
| Essex, Massachusetts | 1 | $ 236,000 | $ 236,000 | $ 77,000 |
| Suffolk, Massachusetts | 1 | $ 240,000 | $ 240,000 | $ 60,000 |
| Albany, New York | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Chautauqua, New York | 1 | $ 4,000 | $ 4,000 | $ 65,000 |
| Essex, New York | 1 | $ 230,000 | $ 230,000 | $ 87,000 |
| Fulton, New York | 1 | $ 40,000 | $ 40,000 | $ 57,000 |
| Hamilton, New York | 1 | $ 68,000 | $ 68,000 | $ 85,000 |
| Herkimer, New York | 1 | $ 200,000 | $ 200,000 | $ 108,000 |
| Nassau, New York | 1 | $ 220,000 | $ 220,000 | $ 197,000 |
| Oneida, New York | 1 | $ 162,000 | $ 162,000 | $ 212,000 |
| Schenectady, New York | 1 | $ 138,000 | $ 138,000 | $ 112,000 |
| Schuyler, New York | 1 | $ 111,000 | $ 111,000 | $ 117,000 |
| Tompkins, New York | 1 | $ 134,000 | $ 134,000 | $ 78,000 |
| Dare, North Carolina | 1 | $ 223,000 | $ 223,000 | $ 184,000 |
| Harnett, North Carolina | 1 | $ 144,000 | $ 144,000 | $ 110,000 |
| Pender, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 95,000 |
| Polk, North Carolina | 1 | $ 90,000 | $ 90,000 | $ 157,000 |
| Centre, Pennsylvania | 1 | $ 107,000 | $ 107,000 | $ 46,000 |
| Chester, Pennsylvania | 1 | $ 538,000 | $ 538,000 | $ 144,000 |
| Lycoming, Pennsylvania | 1 | $ 89,000 | $ 89,000 | $ 132,000 |
| Philadelphia, Pennsylvania | 1 | $ 350,000 | $ 350,000 | $ 188,000 |
| Tioga, Pennsylvania | 1 | $ 323,000 | $ 323,000 | $ 134,000 |
| Charleston, South Carolina | 1 | $ 352,000 | $ 352,000 | $ 786,000 |
| Addison, Vermont | 1 | $ 308,000 | $ 308,000 | $ 226,000 |
| Bennington, Vermont | 1 | $ 468,000 | $ 468,000 | $ 405,000 |
| Essex, Vermont | 1 | $ 130,000 | $ 130,000 | $ 129,000 |
| Bedford, Virginia | 1 | $ 260,000 | $ 260,000 | $ 302,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2012
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 | 1,023 | $179,059,000 | $175,000 | $1,215,000 | $128,000 | $994,000 |
| Home Purchase | 584 | $104,704,000 | $179,000 | $1,680,000 | $143,000 | $4,734,000 |
| Home Improvement | 160 | $1,989,000 | $12,000 | $100,000 | $68,000 | $500,000 |
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 | 1,656 | $263,665,000 | $159,000 | $1,680,000 | $126,000 | $4,734,000 |
| Not applicable | 42 | $11,237,000 | $267,000 | $1,560,000 | $177,000 | $2,681,000 |
| Asian | 26 | $7,009,000 | $269,000 | $1,215,000 | $178,000 | $637,000 |
| Hispanic | 16 | $1,939,000 | $121,000 | $417,000 | $97,000 | $390,000 |
| Black or African American | 15 | $1,223,000 | $81,000 | $216,000 | $100,000 | $388,000 |
| Not Provided | 11 | $298,000 | $27,000 | $117,000 | $66,000 | $127,000 |
| American Indian or Alaskan Native | 1 | $381,000 | $381,000 | $381,000 | $239,000 | $239,000 |
| 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) | 1,767 | $285,752,000 | $161,000 | $1,680,000 | $127,000 | $4,734,000 |
| 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 | 1,576 | $274,306,000 | $174,000 | $1,680,000 | $135,000 | $4,734,000 |
| Loan Originated | 118 | $9,805,000 | $83,000 | $1,560,000 | $63,000 | $500,000 |
| Application Denied By Financial Institution | 62 | $1,529,000 | $24,000 | $500,000 | $58,000 | $290,000 |
| Application Approved But Not Accepted | 11 | $112,000 | $10,000 | $26,000 | $89,000 | $184,000 |
| 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 | 22 | $446,000 | $20,000 | $240,000 | $52,000 | $94,000 |
| Debt-To-Income Ratio | 19 | $730,000 | $38,000 | $500,000 | $43,000 | $137,000 |
| Collateral | 17 | $303,000 | $17,000 | $40,000 | $81,000 | $290,000 |
| Credit Application Incomplete | 2 | $20,000 | $10,000 | $15,000 | $47,000 | $49,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $10,000 | $10,000 | $10,000 | $18,000 | $18,000 |
| Unverifiable Information | 1 | $20,000 | $20,000 | $20,000 | $142,000 | $142,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Canandaigua National Bank & Trust's 2012 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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