Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Canandaigua National Bank & Trust of Canandaigua, NY reported 1,099 mortgage applications totaling $167.3 million, down 24% from 2013. The average application was for $152,211, and applicants reported an average income of $126,007. 17% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Rochester, NY (1,019), Buffalo-Cheektowaga-Niagara Falls, NY (11) and North Port-Sarasota-Bradenton, FL (8) (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 | 1,099 |
| Total Mortgage Loan Application Amount | $167,280,000 |
| Average Mortgage Loan Application Amount | $152,211 |
| Highest Mortgage Loan Application Amount | $3,680,000 |
| Average Applicant Income | $126,007 |
| Highest Applicant Income | $4,042,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 630 | $ 90,785,000 | $ 144,103 | $ 114,000 |
| Ontario, New York | 278 | $ 40,550,000 | $ 145,863 | $ 118,000 |
| Wayne, New York | 48 | $ 6,234,000 | $ 129,875 | $ 90,000 |
| Yates, New York | 36 | $ 7,920,000 | $ 220,000 | $ 167,000 |
| Livingston, New York | 25 | $ 2,710,000 | $ 108,400 | $ 93,000 |
| Erie, New York | 10 | $ 1,718,000 | $ 171,800 | $ 178,000 |
| Steuben, New York | 10 | $ 1,820,000 | $ 182,000 | $ 242,000 |
| Sarasota, Florida | 7 | $ 1,478,000 | $ 211,142 | $ 176,000 |
| Lee, Florida | 5 | $ 1,522,000 | $ 304,400 | $ 364,000 |
| Cayuga, New York | 5 | $ 358,000 | $ 71,600 | $ 109,000 |
| Genesee, New York | 3 | $ 374,000 | $ 124,666 | $ 234,000 |
| Wyoming, New York | 3 | $ 1,491,000 | $ 497,000 | $ 419,000 |
| Charlotte, Florida | 2 | $ 394,000 | $ 197,000 | $ 930,000 |
| Orleans, New York | 2 | $ 258,000 | $ 129,000 | $ 71,000 |
| Oswego, New York | 2 | $ 89,000 | $ 44,500 | $ 450,000 |
| Beaufort, South Carolina | 2 | $ 693,000 | $ 346,500 | $ 529,000 |
| Brevard, Florida | 1 | $ 172,000 | $ 172,000 | $ 122,000 |
| Indian River, Florida | 1 | $ 338,000 | $ 338,000 | $ 182,000 |
| Manatee, Florida | 1 | $ 270,000 | $ 270,000 | $ 130,000 |
| Martin, Florida | 1 | $ 590,000 | $ 590,000 | $ 1,196,000 |
| Osceola, Florida | 1 | $ 648,000 | $ 648,000 | $ 583,000 |
| Palm Beach, Florida | 1 | $ 244,000 | $ 244,000 | $ 171,000 |
| Pasco, Florida | 1 | $ 236,000 | $ 236,000 | $ 85,000 |
| Polk, Florida | 1 | $ 124,000 | $ 124,000 | $ 60,000 |
| Montgomery, Maryland | 1 | $ 273,000 | $ 273,000 | $ 930,000 |
| Washoe, Nevada | 1 | $ 1,260,000 | $ 1,260,000 | $ 259,000 |
| Broome, New York | 1 | $ 12,000 | $ 12,000 | $ 59,000 |
| Cattaraugus, New York | 1 | $ 81,000 | $ 81,000 | $ 135,000 |
| Essex, New York | 1 | $ 447,000 | $ 447,000 | $ 219,000 |
| Lewis, New York | 1 | $ 310,000 | $ 310,000 | $ 178,000 |
| Madison, New York | 1 | $ 50,000 | $ 50,000 | $ 153,000 |
| Niagara, New York | 1 | $ 30,000 | $ 30,000 | $ 73,000 |
| Onondaga, New York | 1 | $ 114,000 | $ 114,000 | $ 162,000 |
| Otsego, New York | 1 | $ 230,000 | $ 230,000 | $ 148,000 |
| Queens, New York | 1 | $ 714,000 | $ 714,000 | $ 272,000 |
| Seneca, New York | 1 | $ 352,000 | $ 352,000 | $ 107,000 |
| St. Lawrence, New York | 1 | $ 96,000 | $ 96,000 | $ 79,000 |
| Tioga, New York | 1 | $ 72,000 | $ 72,000 | $ 289,000 |
| Tompkins, New York | 1 | $ 312,000 | $ 312,000 | $ 69,000 |
| Westchester, New York | 1 | $ 400,000 | $ 400,000 | $ 332,000 |
| Charleston, South Carolina | 1 | $ 65,000 | $ 65,000 | $ 17,000 |
| Greenville, South Carolina | 1 | $ 162,000 | $ 162,000 | $ 73,000 |
| Horry, South Carolina | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Montgomery, Tennessee | 1 | $ 211,000 | $ 211,000 | $ 1,294,000 |
| Chesterfield, Virginia | 1 | $ 365,000 | $ 365,000 | $ 101,000 |
| Virginia Beach, Virginia | 1 | $ 275,000 | $ 275,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2014
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 556 | $99,269,000 | $178,000 | $2,243,000 | $135,000 | $1,563,000 |
| Refinancing | 332 | $62,350,000 | $187,000 | $3,680,000 | $144,000 | $4,042,000 |
| Home Improvement | 211 | $5,661,000 | $26,000 | $3,000,000 | $74,000 | $450,000 |
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 | 940 | $140,092,000 | $149,000 | $3,680,000 | $123,000 | $4,042,000 |
| Not applicable | 85 | $18,420,000 | $216,000 | $3,000,000 | $166,000 | $1,649,000 |
| Asian | 32 | $4,905,000 | $153,000 | $520,000 | $159,000 | $930,000 |
| Black or African American | 24 | $883,000 | $36,000 | $160,000 | $79,000 | $450,000 |
| Hispanic | 11 | $2,119,000 | $192,000 | $707,000 | $122,000 | $425,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $671,000 | $223,000 | $276,000 | $123,000 | $158,000 |
| Not Provided | 2 | $55,000 | $27,000 | $40,000 | $76,000 | $80,000 |
| American Indian or Alaskan Native | 2 | $135,000 | $67,000 | $128,000 | $47,000 | $51,000 |
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) | 1,099 | $167,280,000 | $152,000 | $3,680,000 | $126,000 | $4,042,000 |
| 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 | 852 | $152,337,000 | $178,000 | $3,680,000 | $144,000 | $4,042,000 |
| Loan Originated | 184 | $13,869,000 | $75,000 | $3,000,000 | $66,000 | $450,000 |
| Application Denied By Financial Institution | 52 | $912,000 | $17,000 | $183,000 | $51,000 | $132,000 |
| Application Approved But Not Accepted | 9 | $117,000 | $13,000 | $32,000 | $84,000 | $198,000 |
| Application Withdrawn By Applicant | 2 | $45,000 | $22,000 | $25,000 | $124,000 | $155,000 |
| 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 | $498,000 | $13,000 | $70,000 | $51,000 | $110,000 |
| Debt-To-Income Ratio | 12 | $357,000 | $29,000 | $183,000 | $37,000 | $92,000 |
| Collateral | 3 | $45,000 | $15,000 | $20,000 | $84,000 | $132,000 |
| Employment History | 1 | $12,000 | $12,000 | $12,000 | $127,000 | $127,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Canandaigua National Bank & Trust's 2014 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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