Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Canandaigua National Bank & Trust of Canandaigua, NY reported 3,045 mortgage applications totaling $648.2 million, up 86% from 2019. The average application was for $212,868, and applicants reported an average income of $149,183. 18% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Rochester, NY (2,777), Buffalo-Cheektowaga-Niagara Falls, NY (23) and Syracuse, NY (18) (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 | 3,045 |
| Total Mortgage Loan Application Amount | $648,185,000 |
| Average Mortgage Loan Application Amount | $212,868 |
| Highest Mortgage Loan Application Amount | $7,605,000 |
| Average Applicant Income | $149,183 |
| Highest Applicant Income | $4,552,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,889 | $ 387,005,000 | $ 204,872 | $ 146,000 |
| Ontario, New York | 611 | $ 116,965,000 | $ 191,432 | $ 138,000 |
| Wayne, New York | 122 | $ 22,180,000 | $ 181,803 | $ 100,000 |
| Livingston, New York | 83 | $ 14,495,000 | $ 174,638 | $ 141,000 |
| Yates, New York | 56 | $ 16,260,000 | $ 290,357 | $ 198,000 |
| Erie, New York | 22 | $ 4,510,000 | $ 205,000 | $ 122,000 |
| Genesee, New York | 21 | $ 2,875,000 | $ 136,904 | $ 88,000 |
| Steuben, New York | 17 | $ 4,325,000 | $ 254,411 | $ 158,000 |
| Orleans, New York | 16 | $ 2,080,000 | $ 130,000 | $ 107,000 |
| Onondaga, New York | 14 | $ 3,280,000 | $ 234,285 | $ 137,000 |
| Sarasota, Florida | 12 | $ 5,740,000 | $ 478,333 | $ 279,000 |
| Seneca, New York | 11 | $ 2,225,000 | $ 202,272 | $ 152,000 |
| Collier, Florida | 10 | $ 5,560,000 | $ 556,000 | $ 359,000 |
| Lee, Florida | 10 | $ 3,220,000 | $ 322,000 | $ 207,000 |
| Pinellas, Florida | 8 | $ 3,820,000 | $ 477,500 | $ 502,000 |
| Jefferson, New York | 8 | $ 1,800,000 | $ 225,000 | $ 144,000 |
| Charlotte, Florida | 7 | $ 1,515,000 | $ 216,428 | $ 159,000 |
| Cayuga, New York | 5 | $ 2,595,000 | $ 519,000 | $ 197,000 |
| Herkimer, New York | 5 | $ 895,000 | $ 179,000 | $ 96,000 |
| Wyoming, New York | 5 | $ 1,065,000 | $ 213,000 | $ 123,000 |
| Manatee, Florida | 4 | $ 2,280,000 | $ 570,000 | $ 267,000 |
| Palm Beach, Florida | 4 | $ 5,870,000 | $ 1,467,500 | $ 1,409,000 |
| Cattaraugus, New York | 4 | $ 1,860,000 | $ 465,000 | $ 164,000 |
| Oswego, New York | 4 | $ 450,000 | $ 112,500 | $ 82,000 |
| Schuyler, New York | 4 | $ 580,000 | $ 145,000 | $ 76,000 |
| St. Lawrence, New York | 4 | $ 560,000 | $ 140,000 | $ 103,000 |
| Hillsborough, Florida | 3 | $ 3,225,000 | $ 1,075,000 | $ 428,000 |
| St. Lucie, Florida | 3 | $ 815,000 | $ 271,666 | $ 171,000 |
| Hamilton, New York | 3 | $ 715,000 | $ 238,333 | $ 228,000 |
| Lewis, New York | 3 | $ 895,000 | $ 298,333 | $ 257,000 |
| Oneida, New York | 3 | $ 595,000 | $ 198,333 | $ 206,000 |
| Putnam, New York | 3 | $ 845,000 | $ 281,666 | $ 189,000 |
| Beaufort, South Carolina | 3 | $ 535,000 | $ 178,333 | $ 149,000 |
| Madison, Alabama | 2 | $ 590,000 | $ 295,000 | $ 92,000 |
| Brevard, Florida | 2 | $ 500,000 | $ 250,000 | $ 142,000 |
| Duval, Florida | 2 | $ 520,000 | $ 260,000 | $ 132,000 |
| Flagler, Florida | 2 | $ 470,000 | $ 235,000 | $ 171,000 |
| Marion, Florida | 2 | $ 210,000 | $ 105,000 | $ 54,000 |
| Pasco, Florida | 2 | $ 630,000 | $ 315,000 | $ 101,000 |
| Fulton, Georgia | 2 | $ 1,110,000 | $ 555,000 | $ 210,000 |
| Clark, Nevada | 2 | $ 730,000 | $ 365,000 | $ 170,000 |
| Allegany, New York | 2 | $ 190,000 | $ 95,000 | $ 116,000 |
| Carteret, North Carolina | 2 | $ 1,270,000 | $ 635,000 | $ 665,000 |
| Union, North Carolina | 2 | $ 630,000 | $ 315,000 | $ 56,000 |
| Charleston, South Carolina | 2 | $ 2,260,000 | $ 1,130,000 | $ 616,000 |
| Morgan, Alabama | 1 | $ 395,000 | $ 395,000 | $ 196,000 |
| Sussex, Delaware | 1 | $ 445,000 | $ 445,000 | $ 95,000 |
| Broward, Florida | 1 | $ 125,000 | $ 125,000 | $ 147,000 |
| Citrus, Florida | 1 | $ 235,000 | $ 235,000 | $ 118,000 |
| Escambia, Florida | 1 | $ 315,000 | $ 315,000 | $ 94,000 |
| Indian River, Florida | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Miami-Dade, Florida | 1 | $ 405,000 | $ 405,000 | $ 435,000 |
| Orange, Florida | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Osceola, Florida | 1 | $ 805,000 | $ 805,000 | $ 480,000 |
| St. Johns, Florida | 1 | $ 885,000 | $ 885,000 | $ 0 |
| Volusia, Florida | 1 | $ 225,000 | $ 225,000 | $ 101,000 |
| Chatham, Georgia | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Cook, Illinois | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Essex, Massachusetts | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Middlesex, Massachusetts | 1 | $ 285,000 | $ 285,000 | $ 57,000 |
| Suffolk, Massachusetts | 1 | $ 245,000 | $ 245,000 | $ 188,000 |
| Washoe, Nevada | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Broome, New York | 1 | $ 75,000 | $ 75,000 | $ 84,000 |
| Chautauqua, New York | 1 | $ 55,000 | $ 55,000 | $ 77,000 |
| Chenango, New York | 1 | $ 145,000 | $ 145,000 | $ 87,000 |
| Essex, New York | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Niagara, New York | 1 | $ 345,000 | $ 345,000 | $ 346,000 |
| Otsego, New York | 1 | $ 175,000 | $ 175,000 | $ 92,000 |
| Richmond, New York | 1 | $ 605,000 | $ 605,000 | $ 123,000 |
| Schenectady, New York | 1 | $ 205,000 | $ 205,000 | $ 17,000 |
| Suffolk, New York | 1 | $ 65,000 | $ 65,000 | $ 233,000 |
| Warren, New York | 1 | $ 125,000 | $ 125,000 | $ 203,000 |
| Westchester, New York | 1 | $ 575,000 | $ 575,000 | $ 261,000 |
| Dare, North Carolina | 1 | $ 275,000 | $ 275,000 | $ 322,000 |
| Jackson, North Carolina | 1 | $ 3,045,000 | $ 3,045,000 | $ 1,086,000 |
| Johnston, North Carolina | 1 | $ 225,000 | $ 225,000 | $ 117,000 |
| Mecklenburg, North Carolina | 1 | $ 445,000 | $ 445,000 | $ 279,000 |
| Oklahoma, Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 175,000 |
| Allegheny, Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Bucks, Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 80,000 |
| Dauphin, Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 364,000 |
| Lebanon, Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 217,000 |
| Bristol, Rhode Island | 1 | $ 185,000 | $ 185,000 | $ 108,000 |
| York, South Carolina | 1 | $ 295,000 | $ 295,000 | $ 128,000 |
| Hickman, Tennessee | 1 | $ 985,000 | $ 985,000 | $ 1,200,000 |
| Williamson, Tennessee | 1 | $ 515,000 | $ 515,000 | $ 1,200,000 |
| Addison, Vermont | 1 | $ 165,000 | $ 165,000 | $ 568,000 |
| Chesterfield, Virginia | 1 | $ 625,000 | $ 625,000 | $ 170,000 |
| New Kent, Virginia | 1 | $ 205,000 | $ 205,000 | $ 119,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2020
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 | 929 | $223,975,000 | $241,000 | $6,805,000 | $153,000 | $3,971,000 |
| Home Purchase | 881 | $220,735,000 | $250,000 | $6,415,000 | $158,000 | $3,612,000 |
| Cash-out Refinancing | 794 | $160,680,000 | $202,000 | $4,295,000 | $150,000 | $4,552,000 |
| Home Improvement | 262 | $19,090,000 | $72,000 | $895,000 | $118,000 | $420,000 |
| Other Purpose | 179 | $23,705,000 | $132,000 | $7,605,000 | $128,000 | $1,138,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,466 | $480,510,000 | $194,000 | $7,605,000 | $151,000 | $4,552,000 |
| Not applicable | 254 | $113,920,000 | $448,000 | $6,805,000 | $0 | $0 |
| Not Provided | 135 | $21,955,000 | $162,000 | $825,000 | $149,000 | $645,000 |
| Asian | 100 | $19,760,000 | $197,000 | $1,205,000 | $137,000 | $1,332,000 |
| Black or African American | 48 | $5,320,000 | $110,000 | $565,000 | $76,000 | $240,000 |
| Hispanic | 39 | $6,145,000 | $157,000 | $435,000 | $150,000 | $789,000 |
| American Indian or Alaskan Native | 2 | $380,000 | $190,000 | $315,000 | $169,000 | $326,000 |
| 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) | 3,045 | $648,185,000 | $212,000 | $7,605,000 | $149,000 | $4,552,000 |
| 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 | 2,320 | $499,110,000 | $215,000 | $4,005,000 | $154,000 | $4,552,000 |
| Loan Originated | 557 | $124,565,000 | $223,000 | $7,605,000 | $142,000 | $2,092,000 |
| Application Denied By Financial Institution | 120 | $11,240,000 | $93,000 | $755,000 | $89,000 | $515,000 |
| Application Withdrawn By Applicant | 42 | $12,280,000 | $292,000 | $6,415,000 | $120,000 | $425,000 |
| Application Approved But Not Accepted | 6 | $990,000 | $165,000 | $405,000 | $85,000 | $120,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,925 | $636,945,000 | $217,000 | $7,605,000 | $151,000 | $4,552,000 |
| Credit History | 35 | $2,295,000 | $65,000 | $405,000 | $75,000 | $212,000 |
| Debt-To-Income Ratio | 33 | $2,595,000 | $78,000 | $255,000 | $41,000 | $100,000 |
| Credit Application Incomplete | 33 | $3,145,000 | $95,000 | $305,000 | $141,000 | $515,000 |
| Other | 8 | $460,000 | $57,000 | $155,000 | $98,000 | $240,000 |
| Unverifiable Information | 4 | $1,050,000 | $262,000 | $755,000 | $138,000 | $360,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,370,000 | $342,000 | $515,000 | $0 | $0 |
| Collateral | 3 | $325,000 | $108,000 | $155,000 | $121,000 | $161,000 |
| Employment History | 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 2020 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.
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