Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Canandaigua National Bank & Trust of Canandaigua, NY reported 2,431 mortgage applications totaling $526.6 million, down 20% from 2020. The average application was for $216,604, and applicants reported an average income of $132,578. 28% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Rochester, NY (2,109), Buffalo-Cheektowaga-Niagara Falls, NY (22) and Syracuse, NY (21) (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 | 2,431 |
| Total Mortgage Loan Application Amount | $526,565,000 |
| Average Mortgage Loan Application Amount | $216,604 |
| Highest Mortgage Loan Application Amount | $13,175,000 |
| Average Applicant Income | $132,578 |
| Highest Applicant Income | $1,357,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,385 | $ 302,845,000 | $ 218,660 | $ 144,000 |
| Ontario, New York | 456 | $ 77,000,000 | $ 168,859 | $ 128,000 |
| Wayne, New York | 117 | $ 17,355,000 | $ 148,333 | $ 98,000 |
| Livingston, New York | 73 | $ 12,565,000 | $ 172,123 | $ 97,000 |
| Yates, New York | 47 | $ 15,915,000 | $ 338,617 | $ 156,000 |
| Orleans, New York | 31 | $ 2,915,000 | $ 94,032 | $ 91,000 |
| Steuben, New York | 28 | $ 6,570,000 | $ 234,642 | $ 184,000 |
| Genesee, New York | 22 | $ 2,640,000 | $ 120,000 | $ 117,000 |
| Onondaga, New York | 14 | $ 2,330,000 | $ 166,428 | $ 135,000 |
| Erie, New York | 12 | $ 2,760,000 | $ 230,000 | $ 0 |
| Seneca, New York | 11 | $ 2,525,000 | $ 229,545 | $ 115,000 |
| Niagara, New York | 10 | $ 1,440,000 | $ 144,000 | $ 0 |
| Wyoming, New York | 10 | $ 1,870,000 | $ 187,000 | $ 76,000 |
| Collier, Florida | 9 | $ 5,095,000 | $ 566,111 | $ 0 |
| Lee, Florida | 9 | $ 2,865,000 | $ 318,333 | $ 435,000 |
| Schuyler, New York | 7 | $ 2,565,000 | $ 366,428 | $ 0 |
| Manatee, Florida | 6 | $ 3,450,000 | $ 575,000 | $ 0 |
| Charlotte, Florida | 5 | $ 745,000 | $ 149,000 | $ 57,000 |
| Palm Beach, Florida | 5 | $ 1,765,000 | $ 353,000 | $ 92,000 |
| Pinellas, Florida | 5 | $ 1,105,000 | $ 221,000 | $ 308,000 |
| Sarasota, Florida | 5 | $ 1,615,000 | $ 323,000 | $ 0 |
| Cayuga, New York | 5 | $ 2,295,000 | $ 459,000 | $ 49,000 |
| Oneida, New York | 5 | $ 1,125,000 | $ 225,000 | $ 0 |
| Pasco, Florida | 4 | $ 770,000 | $ 192,500 | $ 150,000 |
| Chautauqua, New York | 4 | $ 620,000 | $ 155,000 | $ 53,000 |
| Oswego, New York | 4 | $ 670,000 | $ 167,500 | $ 0 |
| Charleston, South Carolina | 4 | $ 1,910,000 | $ 477,500 | $ 0 |
| Broward, Florida | 3 | $ 485,000 | $ 161,666 | $ 0 |
| Allegany, New York | 3 | $ 435,000 | $ 145,000 | $ 30,000 |
| Essex, New York | 3 | $ 1,135,000 | $ 378,333 | $ 0 |
| Herkimer, New York | 3 | $ 655,000 | $ 218,333 | $ 0 |
| Madison, New York | 3 | $ 915,000 | $ 305,000 | $ 0 |
| St. Lawrence, New York | 3 | $ 585,000 | $ 195,000 | $ 0 |
| Brunswick, North Carolina | 3 | $ 565,000 | $ 188,333 | $ 0 |
| Union, North Carolina | 3 | $ 1,325,000 | $ 441,666 | $ 0 |
| Anderson, South Carolina | 3 | $ 695,000 | $ 231,666 | $ 0 |
| Beaufort, South Carolina | 3 | $ 2,505,000 | $ 835,000 | $ 0 |
| Davidson, Tennessee | 3 | $ 925,000 | $ 308,333 | $ 120,000 |
| Madison, Alabama | 2 | $ 580,000 | $ 290,000 | $ 0 |
| Los Angeles, California | 2 | $ 1,090,000 | $ 545,000 | $ 0 |
| Denver, Colorado | 2 | $ 1,090,000 | $ 545,000 | $ 76,000 |
| Flagler, Florida | 2 | $ 590,000 | $ 295,000 | $ 0 |
| Hernando, Florida | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Marion, Florida | 2 | $ 610,000 | $ 305,000 | $ 0 |
| Miami-Dade, Florida | 2 | $ 790,000 | $ 395,000 | $ 0 |
| Walton, Florida | 2 | $ 2,960,000 | $ 1,480,000 | $ 0 |
| Fulton, Georgia | 2 | $ 500,000 | $ 250,000 | $ 166,000 |
| Montgomery, Maryland | 2 | $ 420,000 | $ 210,000 | $ 0 |
| Chemung, New York | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Jefferson, New York | 2 | $ 420,000 | $ 210,000 | $ 0 |
| Lewis, New York | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Buncombe, North Carolina | 2 | $ 710,000 | $ 355,000 | $ 0 |
| Mecklenburg, North Carolina | 2 | $ 860,000 | $ 430,000 | $ 0 |
| Bucks, Pennsylvania | 2 | $ 1,030,000 | $ 515,000 | $ 0 |
| Monroe, Pennsylvania | 2 | $ 520,000 | $ 260,000 | $ 0 |
| Spartanburg, South Carolina | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Montgomery, Alabama | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Orange, California | 1 | $ 5,895,000 | $ 5,895,000 | $ 0 |
| Placer, California | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Jefferson, Colorado | 1 | $ 405,000 | $ 405,000 | $ 382,000 |
| Fairfield, Connecticut | 1 | $ 345,000 | $ 345,000 | $ 0 |
| New Castle, Delaware | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Brevard, Florida | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Duval, Florida | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Escambia, Florida | 1 | $ 395,000 | $ 395,000 | $ 190,000 |
| Hillsborough, Florida | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Indian River, Florida | 1 | $ 665,000 | $ 665,000 | $ 0 |
| Lake, Florida | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Leon, Florida | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Martin, Florida | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Nassau, Florida | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Orange, Florida | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Osceola, Florida | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Polk, Florida | 1 | $ 115,000 | $ 115,000 | $ 0 |
| St. Lucie, Florida | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Sumter, Florida | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Volusia, Florida | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Fayette, Georgia | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Glynn, Georgia | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Gwinnett, Georgia | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Madison, Georgia | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Teton, Idaho | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Fulton, Illinois | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Jefferson, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Orleans, Louisiana | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Baltimore, Maryland | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Barnstable, Massachusetts | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Gallatin, Montana | 1 | $ 505,000 | $ 505,000 | $ 1,357,000 |
| Clark, Nevada | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Essex, New Jersey | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Middlesex, New Jersey | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Ocean, New Jersey | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Dona Ana, New Mexico | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Cattaraugus, New York | 1 | $ 35,000 | $ 35,000 | $ 114,000 |
| Delaware, New York | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Hamilton, New York | 1 | $ 165,000 | $ 165,000 | $ 0 |
| New York, New York | 1 | $ 15,000 | $ 15,000 | $ 81,000 |
| Richmond, New York | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Suffolk, New York | 1 | $ 375,000 | $ 375,000 | $ 59,000 |
| Warren, New York | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Dare, North Carolina | 1 | $ 2,345,000 | $ 2,345,000 | $ 0 |
| New Hanover, North Carolina | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Wake, North Carolina | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Crawford, Ohio | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Summit, Ohio | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Allegheny, Pennsylvania | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Centre, Pennsylvania | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Columbia, Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Lackawanna, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 96,000 |
| Montgomery, Pennsylvania | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Potter, Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Snyder, Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Tioga, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Berkeley, South Carolina | 1 | $ 1,025,000 | $ 1,025,000 | $ 0 |
| Greenville, South Carolina | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Horry, South Carolina | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Lancaster, South Carolina | 1 | $ 655,000 | $ 655,000 | $ 0 |
| York, South Carolina | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Hamblen, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Lewis, Tennessee | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Tarrant, Texas | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Travis, Texas | 1 | $ 385,000 | $ 385,000 | $ 42,000 |
| Fredericksburg, Virginia | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Mathews, Virginia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Klickitat, Washington | 1 | $ 105,000 | $ 105,000 | $ 0 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2021
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 | 777 | $224,875,000 | $289,000 | $13,175,000 | $156,000 | $614,000 |
| Cash-out Refinancing | 692 | $160,710,000 | $232,000 | $5,205,000 | $125,000 | $509,000 |
| Refinancing | 388 | $89,030,000 | $229,000 | $3,755,000 | $94,000 | $211,000 |
| Home Improvement | 377 | $34,505,000 | $91,000 | $4,715,000 | $133,000 | $900,000 |
| Other Purpose | 197 | $17,445,000 | $88,000 | $505,000 | $142,000 | $1,357,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,668 | $454,950,000 | $272,000 | $13,175,000 | $0 | $0 |
| White | 674 | $65,110,000 | $96,000 | $845,000 | $136,000 | $1,357,000 |
| Not Provided | 50 | $3,720,000 | $74,000 | $385,000 | $133,000 | $500,000 |
| Asian | 16 | $1,350,000 | $84,000 | $255,000 | $187,000 | $865,000 |
| Black or African American | 10 | $590,000 | $59,000 | $105,000 | $115,000 | $371,000 |
| Hispanic | 10 | $740,000 | $74,000 | $205,000 | $84,000 | $175,000 |
| American Indian or Alaskan Native | 2 | $50,000 | $25,000 | $25,000 | $50,000 | $91,000 |
| 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) | 2,431 | $526,565,000 | $216,000 | $13,175,000 | $135,000 | $1,357,000 |
| 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 | 1,563 | $357,505,000 | $228,000 | $5,895,000 | $0 | $0 |
| Loan Originated | 681 | $150,055,000 | $220,000 | $13,175,000 | $147,000 | $1,357,000 |
| Application Denied By Financial Institution | 119 | $9,715,000 | $81,000 | $385,000 | $78,000 | $425,000 |
| Application Withdrawn By Applicant | 58 | $6,390,000 | $110,000 | $585,000 | $117,000 | $500,000 |
| Application Approved But Not Accepted | 10 | $2,900,000 | $290,000 | $975,000 | $0 | $0 |
| 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 | 2,312 | $516,850,000 | $223,000 | $13,175,000 | $145,000 | $1,357,000 |
| Debt-To-Income Ratio | 44 | $4,080,000 | $92,000 | $355,000 | $46,000 | $107,000 |
| Credit History | 28 | $1,880,000 | $67,000 | $245,000 | $65,000 | $157,000 |
| Credit Application Incomplete | 27 | $1,835,000 | $67,000 | $175,000 | $124,000 | $355,000 |
| Other | 7 | $575,000 | $82,000 | $265,000 | $145,000 | $195,000 |
| Unverifiable Information | 5 | $605,000 | $121,000 | $385,000 | $63,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $545,000 | $181,000 | $275,000 | $36,000 | $36,000 |
| Collateral | 3 | $135,000 | $45,000 | $55,000 | $195,000 | $425,000 |
| Employment History | 2 | $60,000 | $30,000 | $45,000 | $50,000 | $53,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Canandaigua National Bank & Trust's 2021 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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