Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Canandaigua National Bank & Trust of Canandaigua, NY reported 1,122 mortgage applications totaling $185.5 million, down 6% from 2016. The average application was for $165,367, and applicants reported an average income of $112,085. 14% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Rochester, NY (1,047), Buffalo-Cheektowaga-Niagara Falls, NY (11) and Syracuse, NY (9) (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 | 1,122 |
| Total Mortgage Loan Application Amount | $185,542,000 |
| Average Mortgage Loan Application Amount | $165,367 |
| Highest Mortgage Loan Application Amount | $1,700,000 |
| Average Applicant Income | $112,085 |
| Highest Applicant Income | $1,096,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 732 | $ 114,597,000 | $ 156,553 | $ 104,000 |
| Ontario, New York | 208 | $ 32,407,000 | $ 155,802 | $ 122,000 |
| Wayne, New York | 44 | $ 7,100,000 | $ 161,363 | $ 111,000 |
| Livingston, New York | 38 | $ 8,809,000 | $ 231,815 | $ 111,000 |
| Yates, New York | 16 | $ 3,248,000 | $ 203,000 | $ 170,000 |
| Erie, New York | 10 | $ 2,283,000 | $ 228,300 | $ 104,000 |
| Orleans, New York | 9 | $ 970,000 | $ 107,777 | $ 128,000 |
| Genesee, New York | 8 | $ 1,049,000 | $ 131,125 | $ 60,000 |
| Steuben, New York | 7 | $ 1,297,000 | $ 185,285 | $ 141,000 |
| Onondaga, New York | 5 | $ 952,000 | $ 190,400 | $ 114,000 |
| Manatee, Florida | 3 | $ 600,000 | $ 200,000 | $ 106,000 |
| Osceola, Florida | 3 | $ 1,436,000 | $ 478,666 | $ 511,000 |
| St. Lucie, Florida | 3 | $ 1,561,000 | $ 520,333 | $ 206,000 |
| Oswego, New York | 3 | $ 137,000 | $ 45,666 | $ 23,000 |
| Hernando, Florida | 2 | $ 279,000 | $ 139,500 | $ 115,000 |
| Cayuga, New York | 2 | $ 360,000 | $ 180,000 | $ 101,000 |
| Herkimer, New York | 2 | $ 510,000 | $ 255,000 | $ 115,000 |
| Jefferson, New York | 2 | $ 460,000 | $ 230,000 | $ 220,000 |
| Schuyler, New York | 2 | $ 263,000 | $ 131,500 | $ 135,000 |
| Citrus, Florida | 1 | $ 140,000 | $ 140,000 | $ 172,000 |
| Indian River, Florida | 1 | $ 600,000 | $ 600,000 | $ 249,000 |
| Monroe, Florida | 1 | $ 482,000 | $ 482,000 | $ 299,000 |
| Nassau, Florida | 1 | $ 415,000 | $ 415,000 | $ 855,000 |
| Pasco, Florida | 1 | $ 216,000 | $ 216,000 | $ 42,000 |
| Sarasota, Florida | 1 | $ 384,000 | $ 384,000 | $ 916,000 |
| Volusia, Florida | 1 | $ 184,000 | $ 184,000 | $ 71,000 |
| Gwinnett, Georgia | 1 | $ 178,000 | $ 178,000 | $ 76,000 |
| Hancock, Maine | 1 | $ 200,000 | $ 200,000 | $ 124,000 |
| Barnstable, Massachusetts | 1 | $ 420,000 | $ 420,000 | $ 0 |
| Chenango, New York | 1 | $ 238,000 | $ 238,000 | $ 109,000 |
| Madison, New York | 1 | $ 252,000 | $ 252,000 | $ 110,000 |
| Niagara, New York | 1 | $ 80,000 | $ 80,000 | $ 29,000 |
| Oneida, New York | 1 | $ 93,000 | $ 93,000 | $ 36,000 |
| Seneca, New York | 1 | $ 180,000 | $ 180,000 | $ 150,000 |
| Tompkins, New York | 1 | $ 1,275,000 | $ 1,275,000 | $ 0 |
| Westchester, New York | 1 | $ 734,000 | $ 734,000 | $ 658,000 |
| Wyoming, New York | 1 | $ 268,000 | $ 268,000 | $ 73,000 |
| Haywood, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 32,000 |
| Cuyahoga, Ohio | 1 | $ 125,000 | $ 125,000 | $ 71,000 |
| Cumberland, Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 368,000 |
| Windham, Vermont | 1 | $ 432,000 | $ 432,000 | $ 105,000 |
| Salem, Virginia | 1 | $ 183,000 | $ 183,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2017
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 | 555 | $110,293,000 | $198,000 | $1,700,000 | $118,000 | $1,078,000 |
| Refinancing | 382 | $72,957,000 | $190,000 | $1,600,000 | $120,000 | $1,096,000 |
| Home Improvement | 185 | $2,292,000 | $12,000 | $100,000 | $78,000 | $689,000 |
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 | 898 | $146,603,000 | $163,000 | $1,280,000 | $126,000 | $1,078,000 |
| Not applicable | 114 | $22,994,000 | $201,000 | $1,700,000 | $0 | $0 |
| Asian | 57 | $11,989,000 | $210,000 | $765,000 | $138,000 | $1,096,000 |
| Black or African American | 32 | $1,798,000 | $56,000 | $374,000 | $63,000 | $400,000 |
| Hispanic | 19 | $2,079,000 | $109,000 | $597,000 | $147,000 | $689,000 |
| Not Provided | 2 | $79,000 | $39,000 | $72,000 | $109,000 | $171,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,122 | $185,542,000 | $165,000 | $1,700,000 | $112,000 | $1,096,000 |
| 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 | 908 | $171,691,000 | $189,000 | $1,280,000 | $122,000 | $1,096,000 |
| Loan Originated | 155 | $13,042,000 | $84,000 | $1,700,000 | $71,000 | $689,000 |
| Application Denied By Financial Institution | 41 | $595,000 | $14,000 | $95,000 | $63,000 | $250,000 |
| Application Approved But Not Accepted | 10 | $93,000 | $9,000 | $30,000 | $66,000 | $158,000 |
| Application Withdrawn By Applicant | 8 | $121,000 | $15,000 | $25,000 | $94,000 | $265,000 |
| 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 | 22 | $219,000 | $9,000 | $18,000 | $66,000 | $250,000 |
| Debt-To-Income Ratio | 14 | $285,000 | $20,000 | $95,000 | $40,000 | $110,000 |
| Collateral | 4 | $82,000 | $20,000 | $30,000 | $128,000 | $236,000 |
| Unverifiable Information | 1 | $9,000 | $9,000 | $9,000 | $52,000 | $52,000 |
| Credit Application Incomplete | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Canandaigua National Bank & Trust's 2017 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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