Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Canandaigua National Bank & Trust of Canandaigua, NY reported 1,198 mortgage applications totaling $193.0 million, down 2% from 2015. The average application was for $161,097, and applicants reported an average income of $116,460. 15% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Rochester, NY (1,108), Buffalo-Cheektowaga-Niagara Falls, NY (9) and North Port-Sarasota-Bradenton, 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 | 1,198 |
| Total Mortgage Loan Application Amount | $192,995,000 |
| Average Mortgage Loan Application Amount | $161,097 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $116,460 |
| Highest Applicant Income | $1,652,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 749 | $ 113,846,000 | $ 151,997 | $ 108,000 |
| Ontario, New York | 254 | $ 40,364,000 | $ 158,913 | $ 113,000 |
| Wayne, New York | 50 | $ 7,390,000 | $ 147,800 | $ 90,000 |
| Livingston, New York | 27 | $ 4,337,000 | $ 160,629 | $ 100,000 |
| Yates, New York | 18 | $ 5,662,000 | $ 314,555 | $ 262,000 |
| Orleans, New York | 10 | $ 1,196,000 | $ 119,600 | $ 96,000 |
| Steuben, New York | 10 | $ 1,556,000 | $ 155,600 | $ 106,000 |
| Genesee, New York | 8 | $ 689,000 | $ 86,125 | $ 63,000 |
| Erie, New York | 7 | $ 1,287,000 | $ 183,857 | $ 109,000 |
| Manatee, Florida | 5 | $ 876,000 | $ 175,200 | $ 100,000 |
| Lee, Florida | 4 | $ 904,000 | $ 226,000 | $ 253,000 |
| Onondaga, New York | 4 | $ 586,000 | $ 146,500 | $ 94,000 |
| Palm Beach, Florida | 3 | $ 1,150,000 | $ 383,333 | $ 585,000 |
| Pinellas, Florida | 3 | $ 532,000 | $ 177,333 | $ 113,000 |
| Cattaraugus, New York | 3 | $ 308,000 | $ 102,666 | $ 86,000 |
| Seneca, New York | 3 | $ 279,000 | $ 93,000 | $ 85,000 |
| Wyoming, New York | 3 | $ 501,000 | $ 167,000 | $ 292,000 |
| Broward, Florida | 2 | $ 1,038,000 | $ 519,000 | $ 216,000 |
| Sarasota, Florida | 2 | $ 1,073,000 | $ 536,500 | $ 223,000 |
| Seminole, Florida | 2 | $ 315,000 | $ 157,500 | $ 35,000 |
| Jefferson, New York | 2 | $ 444,000 | $ 222,000 | $ 490,000 |
| Kings, New York | 2 | $ 1,475,000 | $ 737,500 | $ 413,000 |
| Niagara, New York | 2 | $ 191,000 | $ 95,500 | $ 81,000 |
| Westchester, New York | 2 | $ 817,000 | $ 408,500 | $ 214,000 |
| Brunswick, North Carolina | 2 | $ 1,156,000 | $ 578,000 | $ 182,000 |
| Sacramento, California | 1 | $ 150,000 | $ 150,000 | $ 230,000 |
| Santa Cruz, California | 1 | $ 10,000 | $ 10,000 | $ 76,000 |
| District of Columbia, District Of Columbia | 1 | $ 9,000 | $ 9,000 | $ 66,000 |
| Citrus, Florida | 1 | $ 158,000 | $ 158,000 | $ 94,000 |
| Collier, Florida | 1 | $ 208,000 | $ 208,000 | $ 114,000 |
| Indian River, Florida | 1 | $ 276,000 | $ 276,000 | $ 449,000 |
| Miami-Dade, Florida | 1 | $ 417,000 | $ 417,000 | $ 404,000 |
| Monroe, Florida | 1 | $ 500,000 | $ 500,000 | $ 185,000 |
| Nassau, Florida | 1 | $ 300,000 | $ 300,000 | $ 677,000 |
| Douglas, Georgia | 1 | $ 105,000 | $ 105,000 | $ 246,000 |
| Suffolk, Massachusetts | 1 | $ 288,000 | $ 288,000 | $ 89,000 |
| Cayuga, New York | 1 | $ 156,000 | $ 156,000 | $ 101,000 |
| Chautauqua, New York | 1 | $ 196,000 | $ 196,000 | $ 129,000 |
| Hamilton, New York | 1 | $ 320,000 | $ 320,000 | $ 229,000 |
| Schuyler, New York | 1 | $ 218,000 | $ 218,000 | $ 138,000 |
| Suffolk, New York | 1 | $ 375,000 | $ 375,000 | $ 148,000 |
| Buncombe, North Carolina | 1 | $ 180,000 | $ 180,000 | $ 225,000 |
| Schuylkill, Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 32,000 |
| Beaufort, South Carolina | 1 | $ 329,000 | $ 329,000 | $ 101,000 |
| Williamson, Tennessee | 1 | $ 720,000 | $ 720,000 | $ 1,335,000 |
| Utah, Utah | 1 | $ 8,000 | $ 8,000 | $ 15,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2016
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 | 554 | $105,783,000 | $190,000 | $950,000 | $136,000 | $1,482,000 |
| Refinancing | 420 | $84,682,000 | $201,000 | $1,800,000 | $116,000 | $1,652,000 |
| Home Improvement | 224 | $2,530,000 | $11,000 | $86,000 | $69,000 | $415,000 |
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 | 1,022 | $169,523,000 | $165,000 | $1,800,000 | $128,000 | $1,652,000 |
| Not applicable | 75 | $12,546,000 | $167,000 | $839,000 | $0 | $0 |
| Black or African American | 41 | $1,806,000 | $44,000 | $233,000 | $60,000 | $246,000 |
| Asian | 34 | $7,144,000 | $210,000 | $750,000 | $130,000 | $712,000 |
| Hispanic | 13 | $1,569,000 | $120,000 | $295,000 | $90,000 | $170,000 |
| Not Provided | 12 | $403,000 | $33,000 | $113,000 | $73,000 | $175,000 |
| American Indian or Alaskan Native | 1 | $4,000 | $4,000 | $4,000 | $41,000 | $41,000 |
| Native Hawaiin 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) | 1,198 | $192,995,000 | $161,000 | $1,800,000 | $116,000 | $1,652,000 |
| 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 | 955 | $185,891,000 | $194,000 | $1,800,000 | $130,000 | $1,652,000 |
| Loan Originated | 178 | $6,242,000 | $35,000 | $650,000 | $65,000 | $415,000 |
| Application Denied By Financial Institution | 46 | $523,000 | $11,000 | $60,000 | $57,000 | $383,000 |
| Application Approved But Not Accepted | 12 | $127,000 | $10,000 | $23,000 | $79,000 | $145,000 |
| Application Withdrawn By Applicant | 7 | $212,000 | $30,000 | $52,000 | $69,000 | $110,000 |
| 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 | 30 | $239,000 | $7,000 | $20,000 | $50,000 | $97,000 |
| Debt-To-Income Ratio | 12 | $181,000 | $15,000 | $50,000 | $51,000 | $95,000 |
| Unverifiable Information | 2 | $38,000 | $19,000 | $30,000 | $36,000 | $57,000 |
| Collateral | 1 | $60,000 | $60,000 | $60,000 | $383,000 | $383,000 |
| Credit Application Incomplete | 1 | $5,000 | $5,000 | $5,000 | $50,000 | $50,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Canandaigua National Bank & Trust's 2016 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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