Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Canandaigua National Bank & Trust of Canandaigua, NY reported 1,443 mortgage applications totaling $219.8 million, down 18% from 2012. The average application was for $152,323, and applicants reported an average income of $115,632. 10% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Rochester, NY (1,326), Buffalo-Niagara Falls, NY (8) and Syracuse, 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 | 1,443 |
| Total Mortgage Loan Application Amount | $219,803,000 |
| Average Mortgage Loan Application Amount | $152,323 |
| Highest Mortgage Loan Application Amount | $1,650,000 |
| Average Applicant Income | $115,632 |
| Highest Applicant Income | $1,879,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 800 | $ 121,150,000 | $ 151,437 | $ 113,000 |
| Ontario, New York | 421 | $ 60,960,000 | $ 144,798 | $ 111,000 |
| Wayne, New York | 63 | $ 8,738,000 | $ 138,698 | $ 102,000 |
| Yates, New York | 36 | $ 7,345,000 | $ 204,027 | $ 147,000 |
| Livingston, New York | 35 | $ 5,865,000 | $ 167,571 | $ 90,000 |
| Genesee, New York | 9 | $ 1,486,000 | $ 165,111 | $ 158,000 |
| Erie, New York | 8 | $ 1,474,000 | $ 184,250 | $ 94,000 |
| Orleans, New York | 7 | $ 973,000 | $ 139,000 | $ 95,000 |
| Wyoming, New York | 7 | $ 699,000 | $ 99,857 | $ 76,000 |
| Steuben, New York | 5 | $ 977,000 | $ 195,400 | $ 104,000 |
| Onondaga, New York | 4 | $ 334,000 | $ 83,500 | $ 131,000 |
| Seneca, New York | 4 | $ 780,000 | $ 195,000 | $ 125,000 |
| Charlotte, Florida | 3 | $ 324,000 | $ 108,000 | $ 106,000 |
| Palm Beach, Florida | 3 | $ 746,000 | $ 248,666 | $ 254,000 |
| St. Lawrence, New York | 3 | $ 360,000 | $ 120,000 | $ 101,000 |
| Lee, Florida | 2 | $ 1,072,000 | $ 536,000 | $ 1,146,000 |
| Marion, Florida | 2 | $ 267,000 | $ 133,500 | $ 89,000 |
| Cattaraugus, New York | 2 | $ 300,000 | $ 150,000 | $ 111,000 |
| Chemung, New York | 2 | $ 478,000 | $ 239,000 | $ 712,000 |
| Brevard, Florida | 1 | $ 108,000 | $ 108,000 | $ 127,000 |
| Martin, Florida | 1 | $ 197,000 | $ 197,000 | $ 95,000 |
| Nassau, Florida | 1 | $ 305,000 | $ 305,000 | $ 304,000 |
| Pinellas, Florida | 1 | $ 106,000 | $ 106,000 | $ 75,000 |
| Sarasota, Florida | 1 | $ 120,000 | $ 120,000 | $ 152,000 |
| St. Johns, Florida | 1 | $ 116,000 | $ 116,000 | $ 213,000 |
| Clark, Nevada | 1 | $ 165,000 | $ 165,000 | $ 292,000 |
| Cayuga, New York | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Clinton, New York | 1 | $ 196,000 | $ 196,000 | $ 114,000 |
| Herkimer, New York | 1 | $ 280,000 | $ 280,000 | $ 489,000 |
| Jefferson, New York | 1 | $ 150,000 | $ 150,000 | $ 112,000 |
| Lewis, New York | 1 | $ 210,000 | $ 210,000 | $ 158,000 |
| Madison, New York | 1 | $ 312,000 | $ 312,000 | $ 353,000 |
| Nassau, New York | 1 | $ 64,000 | $ 64,000 | $ 73,000 |
| Oswego, New York | 1 | $ 84,000 | $ 84,000 | $ 32,000 |
| Otsego, New York | 1 | $ 278,000 | $ 278,000 | $ 329,000 |
| Schuyler, New York | 1 | $ 100,000 | $ 100,000 | $ 53,000 |
| Suffolk, New York | 1 | $ 400,000 | $ 400,000 | $ 387,000 |
| Lane, Oregon | 1 | $ 163,000 | $ 163,000 | $ 129,000 |
| Multnomah, Oregon | 1 | $ 260,000 | $ 260,000 | $ 144,000 |
| Allegheny, Pennsylvania | 1 | $ 96,000 | $ 96,000 | $ 51,000 |
| McCormick, South Carolina | 1 | $ 136,000 | $ 136,000 | $ 70,000 |
| Shelby, Tennessee | 1 | $ 38,000 | $ 38,000 | $ 198,000 |
| Llano, Texas | 1 | $ 97,000 | $ 97,000 | $ 109,000 |
| Richmond City, Virginia | 1 | $ 333,000 | $ 333,000 | $ 93,000 |
| Roanoke, Virginia | 1 | $ 411,000 | $ 411,000 | $ 140,000 |
| Washington, Virginia | 1 | $ 100,000 | $ 100,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2013
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 | 693 | $124,135,000 | $179,000 | $1,650,000 | $121,000 | $1,879,000 |
| Home Purchase | 573 | $93,344,000 | $162,000 | $850,000 | $122,000 | $1,085,000 |
| Home Improvement | 177 | $2,324,000 | $13,000 | $100,000 | $74,000 | $313,000 |
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 | 1,309 | $197,990,000 | $151,000 | $1,386,000 | $118,000 | $1,879,000 |
| Not applicable | 47 | $12,153,000 | $258,000 | $1,650,000 | $95,000 | $509,000 |
| Black or African American | 29 | $2,648,000 | $91,000 | $304,000 | $77,000 | $264,000 |
| Asian | 27 | $3,722,000 | $137,000 | $417,000 | $123,000 | $1,309,000 |
| Not Provided | 17 | $1,220,000 | $71,000 | $355,000 | $86,000 | $224,000 |
| Hispanic | 13 | $1,653,000 | $127,000 | $300,000 | $96,000 | $236,000 |
| American Indian or Alaskan Native | 1 | $417,000 | $417,000 | $417,000 | $199,000 | $199,000 |
| 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) | 1,443 | $219,803,000 | $152,000 | $1,650,000 | $116,000 | $1,879,000 |
| 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 | 1,234 | $206,849,000 | $167,000 | $1,386,000 | $124,000 | $1,879,000 |
| Loan Originated | 143 | $12,131,000 | $84,000 | $1,650,000 | $68,000 | $346,000 |
| Application Denied By Financial Institution | 55 | $662,000 | $12,000 | $100,000 | $64,000 | $255,000 |
| Application Approved But Not Accepted | 7 | $106,000 | $15,000 | $30,000 | $89,000 | $182,000 |
| Application Withdrawn By Applicant | 4 | $55,000 | $13,000 | $20,000 | $70,000 | $160,000 |
| 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 | 38 | $388,000 | $10,000 | $40,000 | $66,000 | $255,000 |
| Debt-To-Income Ratio | 14 | $151,000 | $10,000 | $20,000 | $45,000 | $142,000 |
| Employment History | 1 | $3,000 | $3,000 | $3,000 | $40,000 | $40,000 |
| Collateral | 1 | $20,000 | $20,000 | $20,000 | $114,000 | $114,000 |
| Other | 1 | $100,000 | $100,000 | $100,000 | $225,000 | $225,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2013 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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