Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Canandaigua National Bank & Trust of Canandaigua, NY reported 2,077 mortgage applications totaling $534.8 million, down 15% from 2021. The average application was for $257,479, and applicants reported an average income of $138,530. 30% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Rochester, NY (1,801), Buffalo-Cheektowaga-Niagara Falls, NY (27) and Syracuse, NY (17) (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 | 2,077 |
| Total Mortgage Loan Application Amount | $534,785,000 |
| Average Mortgage Loan Application Amount | $257,479 |
| Highest Mortgage Loan Application Amount | $29,845,000 |
| Average Applicant Income | $138,530 |
| Highest Applicant Income | $2,776,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,220 | $ 269,810,000 | $ 221,155 | $ 148,000 |
| Ontario, New York | 333 | $ 67,025,000 | $ 201,276 | $ 117,000 |
| Wayne, New York | 93 | $ 17,005,000 | $ 182,849 | $ 100,000 |
| Livingston, New York | 73 | $ 12,515,000 | $ 171,438 | $ 127,000 |
| Yates, New York | 53 | $ 19,895,000 | $ 375,377 | $ 124,000 |
| Orleans, New York | 29 | $ 3,735,000 | $ 128,793 | $ 69,000 |
| Genesee, New York | 22 | $ 10,100,000 | $ 459,090 | $ 214,000 |
| Erie, New York | 21 | $ 41,495,000 | $ 1,975,952 | $ 64,000 |
| Steuben, New York | 20 | $ 6,550,000 | $ 327,500 | $ 68,000 |
| Seneca, New York | 17 | $ 4,255,000 | $ 250,294 | $ 197,000 |
| Onondaga, New York | 15 | $ 2,495,000 | $ 166,333 | $ 36,000 |
| Lee, Florida | 11 | $ 4,135,000 | $ 375,909 | $ 380,000 |
| Cayuga, New York | 10 | $ 2,130,000 | $ 213,000 | $ 198,000 |
| Cattaraugus, New York | 8 | $ 2,050,000 | $ 256,250 | $ 143,000 |
| Wyoming, New York | 8 | $ 960,000 | $ 120,000 | $ 99,000 |
| Jefferson, New York | 7 | $ 8,875,000 | $ 1,267,857 | $ 68,000 |
| Niagara, New York | 6 | $ 970,000 | $ 161,666 | $ 119,000 |
| Palm Beach, Florida | 5 | $ 5,595,000 | $ 1,119,000 | $ 862,000 |
| Schuyler, New York | 5 | $ 1,215,000 | $ 243,000 | $ 0 |
| Collier, Florida | 4 | $ 1,250,000 | $ 312,500 | $ 321,000 |
| Pinellas, Florida | 4 | $ 1,600,000 | $ 400,000 | $ 0 |
| Oneida, New York | 4 | $ 1,270,000 | $ 317,500 | $ 0 |
| Hillsborough, Florida | 3 | $ 2,355,000 | $ 785,000 | $ 0 |
| Manatee, Florida | 3 | $ 1,245,000 | $ 415,000 | $ 183,000 |
| Sarasota, Florida | 3 | $ 955,000 | $ 318,333 | $ 206,000 |
| Chautauqua, New York | 3 | $ 945,000 | $ 315,000 | $ 0 |
| Saratoga, New York | 3 | $ 1,285,000 | $ 428,333 | $ 0 |
| Spartanburg, South Carolina | 3 | $ 895,000 | $ 298,333 | $ 0 |
| Madison, Alabama | 2 | $ 660,000 | $ 330,000 | $ 0 |
| Litchfield, Connecticut | 2 | $ 90,000 | $ 45,000 | $ 143,000 |
| Broward, Florida | 2 | $ 850,000 | $ 425,000 | $ 285,000 |
| Escambia, Florida | 2 | $ 710,000 | $ 355,000 | $ 0 |
| Nassau, Florida | 2 | $ 1,260,000 | $ 630,000 | $ 0 |
| Sumter, Florida | 2 | $ 690,000 | $ 345,000 | $ 183,000 |
| Walton, Florida | 2 | $ 2,100,000 | $ 1,050,000 | $ 0 |
| Franklin, New York | 2 | $ 960,000 | $ 480,000 | $ 181,000 |
| Orange, New York | 2 | $ 720,000 | $ 360,000 | $ 0 |
| Oswego, New York | 2 | $ 2,960,000 | $ 1,480,000 | $ 117,000 |
| Union, North Carolina | 2 | $ 740,000 | $ 370,000 | $ 0 |
| Pike, Pennsylvania | 2 | $ 840,000 | $ 420,000 | $ 0 |
| Charleston, South Carolina | 2 | $ 850,000 | $ 425,000 | $ 186,000 |
| Maricopa, Arizona | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Pima, Arizona | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Arapahoe, Colorado | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Denver, Colorado | 1 | $ 745,000 | $ 745,000 | $ 0 |
| Jefferson, Colorado | 1 | $ 685,000 | $ 685,000 | $ 0 |
| Middlesex, Connecticut | 1 | $ 675,000 | $ 675,000 | $ 0 |
| New Haven, Connecticut | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Brevard, Florida | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Duval, Florida | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Flagler, Florida | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Indian River, Florida | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Leon, Florida | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Marion, Florida | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Miami-Dade, Florida | 1 | $ 1,305,000 | $ 1,305,000 | $ 0 |
| Monroe, Florida | 1 | $ 1,085,000 | $ 1,085,000 | $ 0 |
| Orange, Florida | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Seminole, Florida | 1 | $ 55,000 | $ 55,000 | $ 70,000 |
| St. Johns, Florida | 1 | $ 315,000 | $ 315,000 | $ 0 |
| St. Lucie, Florida | 1 | $ 65,000 | $ 65,000 | $ 24,000 |
| Volusia, Florida | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Cook, Illinois | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Knox, Maine | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Montgomery, Maryland | 1 | $ 105,000 | $ 105,000 | $ 159,000 |
| Somerset, Maryland | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Plymouth, Massachusetts | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Middlesex, New Jersey | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Allegany, New York | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Broome, New York | 1 | $ 1,365,000 | $ 1,365,000 | $ 0 |
| Chemung, New York | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Essex, New York | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Herkimer, New York | 1 | $ 565,000 | $ 565,000 | $ 0 |
| Lewis, New York | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Queens, New York | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Richmond, New York | 1 | $ 255,000 | $ 255,000 | $ 396,000 |
| Schenectady, New York | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Suffolk, New York | 1 | $ 855,000 | $ 855,000 | $ 350,000 |
| Sullivan, New York | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Tioga, New York | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| Tompkins, New York | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Ulster, New York | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Brunswick, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Dare, North Carolina | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Mecklenburg, North Carolina | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Onslow, North Carolina | 1 | $ 855,000 | $ 855,000 | $ 0 |
| Wake, North Carolina | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Hardin, Ohio | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Allegheny, Pennsylvania | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Carbon, Pennsylvania | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Crawford, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 95,000 |
| Erie, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Monroe, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Philadelphia, Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 110,000 |
| Tioga, Pennsylvania | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Wayne, Pennsylvania | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Horry, South Carolina | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Jasper, South Carolina | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Lexington, South Carolina | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Orangeburg, South Carolina | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Pickens, South Carolina | 1 | $ 1,445,000 | $ 1,445,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Williamson, Tennessee | 1 | $ 255,000 | $ 255,000 | $ 151,000 |
| Collin, Texas | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Fort Bend, Texas | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Dane, Wisconsin | 1 | $ 415,000 | $ 415,000 | $ 0 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2022
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 | 877 | $311,565,000 | $355,000 | $29,845,000 | $130,000 | $995,000 |
| Cash-out Refinancing | 508 | $137,960,000 | $271,000 | $8,005,000 | $161,000 | $1,209,000 |
| Home Improvement | 394 | $37,030,000 | $93,000 | $1,265,000 | $133,000 | $1,027,000 |
| Other Purpose | 181 | $19,155,000 | $105,000 | $905,000 | $135,000 | $2,776,000 |
| Refinancing | 117 | $29,075,000 | $248,000 | $3,505,000 | $129,000 | $632,000 |
| 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 | 1,329 | $451,855,000 | $339,000 | $29,845,000 | $0 | $0 |
| White | 620 | $71,270,000 | $114,000 | $1,705,000 | $134,000 | $1,208,000 |
| Not Provided | 75 | $7,045,000 | $93,000 | $855,000 | $195,000 | $2,776,000 |
| Black or African American | 29 | $1,945,000 | $67,000 | $225,000 | $89,000 | $374,000 |
| Hispanic | 14 | $1,330,000 | $95,000 | $255,000 | $101,000 | $228,000 |
| American Indian or Alaskan Native | 4 | $270,000 | $67,000 | $105,000 | $103,000 | $302,000 |
| Asian | 4 | $360,000 | $90,000 | $255,000 | $94,000 | $172,000 |
| 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) | 2,077 | $534,785,000 | $257,000 | $29,845,000 | $137,000 | $2,776,000 |
| 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 | 1,204 | $311,950,000 | $259,000 | $2,625,000 | $0 | $0 |
| Loan Originated | 623 | $176,675,000 | $283,000 | $29,845,000 | $155,000 | $2,776,000 |
| Application Denied By Financial Institution | 165 | $25,255,000 | $153,000 | $5,125,000 | $76,000 | $527,000 |
| Application Withdrawn By Applicant | 66 | $17,310,000 | $262,000 | $4,605,000 | $143,000 | $901,000 |
| Application Approved But Not Accepted | 19 | $3,595,000 | $189,000 | $675,000 | $59,000 | $59,000 |
| 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 | 1,912 | $509,530,000 | $266,000 | $29,845,000 | $154,000 | $2,776,000 |
| Debt-To-Income Ratio | 62 | $5,830,000 | $94,000 | $425,000 | $46,000 | $144,000 |
| Credit History | 43 | $2,555,000 | $59,000 | $325,000 | $74,000 | $163,000 |
| Credit Application Incomplete | 34 | $2,530,000 | $74,000 | $255,000 | $123,000 | $527,000 |
| Unverifiable Information | 11 | $2,135,000 | $194,000 | $605,000 | $97,000 | $330,000 |
| Other | 6 | $4,950,000 | $825,000 | $4,605,000 | $101,000 | $141,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $7,085,000 | $1,417,000 | $5,125,000 | $0 | $0 |
| Collateral | 3 | $155,000 | $51,000 | $85,000 | $54,000 | $83,000 |
| Employment History | 1 | $15,000 | $15,000 | $15,000 | $61,000 | $61,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Canandaigua National Bank & Trust's 2022 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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