Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Canandaigua National Bank & Trust of Canandaigua, NY reported 1,222 mortgage applications totaling $181.3 million, up 11% from 2014. The average application was for $148,354, and applicants reported an average income of $107,788. 15% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Rochester, NY (1,133), Buffalo-Cheektowaga-Niagara Falls, NY (11) and Tampa-St. Petersburg-Clearwater, FL (7) (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 | 1,222 |
| Total Mortgage Loan Application Amount | $181,289,000 |
| Average Mortgage Loan Application Amount | $148,354 |
| Highest Mortgage Loan Application Amount | $1,794,000 |
| Average Applicant Income | $107,788 |
| Highest Applicant Income | $1,713,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 704 | $ 97,457,000 | $ 138,433 | $ 97,000 |
| Ontario, New York | 302 | $ 48,650,000 | $ 161,092 | $ 112,000 |
| Wayne, New York | 58 | $ 6,472,000 | $ 111,586 | $ 87,000 |
| Livingston, New York | 32 | $ 4,494,000 | $ 140,437 | $ 107,000 |
| Yates, New York | 30 | $ 5,320,000 | $ 177,333 | $ 164,000 |
| Erie, New York | 9 | $ 1,712,000 | $ 190,222 | $ 196,000 |
| Orleans, New York | 7 | $ 543,000 | $ 77,571 | $ 98,000 |
| Steuben, New York | 6 | $ 1,530,000 | $ 255,000 | $ 349,000 |
| Pinellas, Florida | 5 | $ 1,007,000 | $ 201,400 | $ 128,000 |
| Charlotte, Florida | 4 | $ 930,000 | $ 232,500 | $ 251,000 |
| Palm Beach, Florida | 4 | $ 923,000 | $ 230,750 | $ 156,000 |
| Genesee, New York | 4 | $ 264,000 | $ 66,000 | $ 64,000 |
| Seneca, New York | 4 | $ 813,000 | $ 203,250 | $ 157,000 |
| Collier, Florida | 3 | $ 759,000 | $ 253,000 | $ 422,000 |
| Lee, Florida | 3 | $ 485,000 | $ 161,666 | $ 143,000 |
| Manatee, Florida | 3 | $ 423,000 | $ 141,000 | $ 77,000 |
| Sarasota, Florida | 3 | $ 893,000 | $ 297,666 | $ 327,000 |
| Schuyler, New York | 3 | $ 374,000 | $ 124,666 | $ 76,000 |
| Wyoming, New York | 3 | $ 371,000 | $ 123,666 | $ 86,000 |
| Pasco, Florida | 2 | $ 294,000 | $ 147,000 | $ 197,000 |
| Allegany, New York | 2 | $ 142,000 | $ 71,000 | $ 105,000 |
| Chautauqua, New York | 2 | $ 176,000 | $ 88,000 | $ 105,000 |
| Essex, New York | 2 | $ 817,000 | $ 408,500 | $ 198,000 |
| Niagara, New York | 2 | $ 244,000 | $ 122,000 | $ 443,000 |
| Onondaga, New York | 2 | $ 365,000 | $ 182,500 | $ 163,000 |
| Suffolk, New York | 2 | $ 584,000 | $ 292,000 | $ 99,000 |
| Horry, South Carolina | 2 | $ 186,000 | $ 93,000 | $ 114,000 |
| Maricopa, Arizona | 1 | $ 88,000 | $ 88,000 | $ 31,000 |
| Los Angeles, California | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| New Haven, Connecticut | 1 | $ 306,000 | $ 306,000 | $ 104,000 |
| Highlands, Florida | 1 | $ 82,000 | $ 82,000 | $ 39,000 |
| Marion, Florida | 1 | $ 100,000 | $ 100,000 | $ 110,000 |
| Polk, Florida | 1 | $ 85,000 | $ 85,000 | $ 43,000 |
| Carroll, New Hampshire | 1 | $ 214,000 | $ 214,000 | $ 6,000 |
| Albany, New York | 1 | $ 133,000 | $ 133,000 | $ 95,000 |
| Cayuga, New York | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Hamilton, New York | 1 | $ 417,000 | $ 417,000 | $ 673,000 |
| Jefferson, New York | 1 | $ 266,000 | $ 266,000 | $ 135,000 |
| Nassau, New York | 1 | $ 332,000 | $ 332,000 | $ 117,000 |
| Oswego, New York | 1 | $ 46,000 | $ 46,000 | $ 0 |
| St. Lawrence, New York | 1 | $ 60,000 | $ 60,000 | $ 154,000 |
| Pender, North Carolina | 1 | $ 110,000 | $ 110,000 | $ 98,000 |
| Charleston, South Carolina | 1 | $ 417,000 | $ 417,000 | $ 673,000 |
| Greenville, South Carolina | 1 | $ 162,000 | $ 162,000 | $ 73,000 |
| Northampton, Virginia | 1 | $ 290,000 | $ 290,000 | $ 234,000 |
| Smyth, Virginia | 1 | $ 203,000 | $ 203,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2015
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 | 575 | $104,470,000 | $181,000 | $1,794,000 | $121,000 | $1,131,000 |
| Refinancing | 422 | $74,352,000 | $176,000 | $1,500,000 | $111,000 | $1,713,000 |
| Home Improvement | 225 | $2,467,000 | $10,000 | $65,000 | $68,000 | $481,000 |
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 | 1,073 | $156,306,000 | $145,000 | $1,050,000 | $118,000 | $1,713,000 |
| Not applicable | 86 | $18,136,000 | $210,000 | $1,794,000 | $0 | $0 |
| Black or African American | 24 | $1,739,000 | $72,000 | $978,000 | $73,000 | $341,000 |
| Hispanic | 16 | $1,679,000 | $104,000 | $399,000 | $119,000 | $440,000 |
| Asian | 14 | $3,124,000 | $223,000 | $750,000 | $124,000 | $576,000 |
| Not Provided | 7 | $174,000 | $24,000 | $90,000 | $45,000 | $63,000 |
| American Indian or Alaskan Native | 2 | $131,000 | $65,000 | $123,000 | $41,000 | $62,000 |
| 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) | 1,222 | $181,289,000 | $148,000 | $1,794,000 | $108,000 | $1,713,000 |
| 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 | 971 | $170,394,000 | $175,000 | $1,500,000 | $120,000 | $1,713,000 |
| Loan Originated | 187 | $10,055,000 | $53,000 | $1,794,000 | $62,000 | $481,000 |
| Application Denied By Financial Institution | 46 | $555,000 | $12,000 | $26,000 | $60,000 | $225,000 |
| Application Approved But Not Accepted | 10 | $198,000 | $19,000 | $85,000 | $66,000 | $134,000 |
| Application Withdrawn By Applicant | 8 | $87,000 | $10,000 | $25,000 | $87,000 | $200,000 |
| 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 | 25 | $290,000 | $11,000 | $26,000 | $72,000 | $225,000 |
| Debt-To-Income Ratio | 16 | $186,000 | $11,000 | $25,000 | $37,000 | $63,000 |
| Collateral | 3 | $45,000 | $15,000 | $20,000 | $60,000 | $70,000 |
| Credit Application Incomplete | 1 | $20,000 | $20,000 | $20,000 | $70,000 | $70,000 |
| Other | 1 | $14,000 | $14,000 | $14,000 | $108,000 | $108,000 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Canandaigua National Bank & Trust's 2015 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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