Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2023
In 2023, Canandaigua National Bank & Trust of Canandaigua, NY reported 2,100 mortgage applications totaling $462.1 million, up 1% from 2022. The average application was for $220,042, and applicants reported an average income of $147,283. 34% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Rochester, NY (1,840), Buffalo-Cheektowaga-Niagara Falls, NY (31) and Syracuse, NY (27) (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 | 2,100 |
| Total Mortgage Loan Application Amount | $462,090,000 |
| Average Mortgage Loan Application Amount | $220,042 |
| Highest Mortgage Loan Application Amount | $10,005,000 |
| Average Applicant Income | $147,283 |
| Highest Applicant Income | $7,778,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,282 | $ 259,050,000 | $ 202,067 | $ 144,000 |
| Ontario, New York | 363 | $ 65,275,000 | $ 179,820 | $ 128,000 |
| Wayne, New York | 79 | $ 13,175,000 | $ 166,772 | $ 134,000 |
| Livingston, New York | 50 | $ 9,570,000 | $ 191,400 | $ 132,000 |
| Yates, New York | 39 | $ 9,875,000 | $ 253,205 | $ 181,000 |
| Orleans, New York | 27 | $ 3,185,000 | $ 117,962 | $ 95,000 |
| Erie, New York | 24 | $ 5,960,000 | $ 248,333 | $ 168,000 |
| Steuben, New York | 22 | $ 6,370,000 | $ 289,545 | $ 218,000 |
| Genesee, New York | 21 | $ 8,555,000 | $ 407,380 | $ 115,000 |
| Onondaga, New York | 19 | $ 4,895,000 | $ 257,631 | $ 515,000 |
| Palm Beach, Florida | 9 | $ 8,905,000 | $ 989,444 | $ 387,000 |
| Schuyler, New York | 8 | $ 2,390,000 | $ 298,750 | $ 83,000 |
| Niagara, New York | 7 | $ 1,585,000 | $ 226,428 | $ 429,000 |
| Allegany, New York | 6 | $ 670,000 | $ 111,666 | $ 0 |
| Herkimer, New York | 6 | $ 1,620,000 | $ 270,000 | $ 0 |
| Lee, Florida | 5 | $ 2,625,000 | $ 525,000 | $ 3,077,000 |
| Manatee, Florida | 5 | $ 3,835,000 | $ 767,000 | $ 0 |
| Cattaraugus, New York | 5 | $ 965,000 | $ 193,000 | $ 228,000 |
| Chemung, New York | 5 | $ 295,000 | $ 59,000 | $ 0 |
| Oneida, New York | 5 | $ 855,000 | $ 171,000 | $ 68,000 |
| Oswego, New York | 5 | $ 1,195,000 | $ 239,000 | $ 0 |
| Pinellas, Florida | 4 | $ 500,000 | $ 125,000 | $ 143,000 |
| Sarasota, Florida | 4 | $ 1,380,000 | $ 345,000 | $ 142,000 |
| Jefferson, New York | 4 | $ 1,270,000 | $ 317,500 | $ 0 |
| Walton, Florida | 3 | $ 3,445,000 | $ 1,148,333 | $ 0 |
| Essex, New York | 3 | $ 2,915,000 | $ 971,666 | $ 0 |
| Madison, New York | 3 | $ 495,000 | $ 165,000 | $ 0 |
| Seneca, New York | 3 | $ 645,000 | $ 215,000 | $ 113,000 |
| St. Lawrence, New York | 3 | $ 475,000 | $ 158,333 | $ 125,000 |
| Wyoming, New York | 3 | $ 465,000 | $ 155,000 | $ 83,000 |
| Charleston, South Carolina | 3 | $ 1,865,000 | $ 621,666 | $ 605,000 |
| Broward, Florida | 2 | $ 400,000 | $ 200,000 | $ 546,000 |
| Collier, Florida | 2 | $ 9,190,000 | $ 4,595,000 | $ 0 |
| Lake, Florida | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Orange, Florida | 2 | $ 2,260,000 | $ 1,130,000 | $ 0 |
| Pasco, Florida | 2 | $ 550,000 | $ 275,000 | $ 417,000 |
| Volusia, Florida | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Hudson, New Jersey | 2 | $ 420,000 | $ 210,000 | $ 125,000 |
| Broome, New York | 2 | $ 820,000 | $ 410,000 | $ 0 |
| Saratoga, New York | 2 | $ 410,000 | $ 205,000 | $ 170,000 |
| Cuyahoga, Ohio | 2 | $ 210,000 | $ 105,000 | $ 183,000 |
| Allegheny, Pennsylvania | 2 | $ 1,720,000 | $ 860,000 | $ 0 |
| Spartanburg, South Carolina | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Maricopa, Arizona | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Alachua, Florida | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Brevard, Florida | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Charlotte, Florida | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Citrus, Florida | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Indian River, Florida | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Martin, Florida | 1 | $ 1,825,000 | $ 1,825,000 | $ 1,537,000 |
| Okaloosa, Florida | 1 | $ 855,000 | $ 855,000 | $ 0 |
| Seminole, Florida | 1 | $ 275,000 | $ 275,000 | $ 0 |
| St. Lucie, Florida | 1 | $ 1,005,000 | $ 1,005,000 | $ 7,778,000 |
| Sumter, Florida | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Gwinnett, Georgia | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Marion, Indiana | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Orleans, Louisiana | 1 | $ 195,000 | $ 195,000 | $ 187,000 |
| Hampshire, Massachusetts | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Essex, New Jersey | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Cayuga, New York | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Chautauqua, New York | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Dutchess, New York | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Franklin, New York | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Hamilton, New York | 1 | $ 585,000 | $ 585,000 | $ 0 |
| New York, New York | 1 | $ 1,385,000 | $ 1,385,000 | $ 0 |
| Orange, New York | 1 | $ 55,000 | $ 55,000 | $ 172,000 |
| Otsego, New York | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Suffolk, New York | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Ulster, New York | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Warren, New York | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Westchester, New York | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Buncombe, North Carolina | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Catawba, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Durham, North Carolina | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Forsyth, North Carolina | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Gaston, North Carolina | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Haywood, North Carolina | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Onslow, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Wake, North Carolina | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Carbon, Pennsylvania | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Anderson, South Carolina | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Oconee, South Carolina | 1 | $ 195,000 | $ 195,000 | $ 0 |
| York, South Carolina | 1 | $ 915,000 | $ 915,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Fentress, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Shelby, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Washington, Tennessee | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Brazos, Texas | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Addison, Vermont | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Lamoille, Vermont | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Chesterfield, Virginia | 1 | $ 75,000 | $ 75,000 | $ 85,000 |
| Norfolk, Virginia | 1 | $ 75,000 | $ 75,000 | $ 238,000 |
| Skagit, Washington | 1 | $ 15,000 | $ 15,000 | $ 305,000 |
| Monroe, West Virginia | 1 | $ 225,000 | $ 225,000 | $ 0 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2023
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 | 948 | $263,920,000 | $278,000 | $10,005,000 | $143,000 | $531,000 |
| Home Improvement | 438 | $45,830,000 | $104,000 | $1,005,000 | $166,000 | $7,778,000 |
| Cash-out Refinancing | 407 | $104,545,000 | $256,000 | $5,005,000 | $142,000 | $660,000 |
| Other Purpose | 233 | $29,465,000 | $126,000 | $1,825,000 | $156,000 | $3,077,000 |
| Refinancing | 74 | $18,330,000 | $247,000 | $1,265,000 | $93,000 | $474,000 |
| 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 | 1,269 | $363,145,000 | $286,000 | $10,005,000 | $0 | $0 |
| White | 734 | $87,920,000 | $119,000 | $1,825,000 | $162,000 | $7,778,000 |
| Hispanic | 27 | $2,105,000 | $77,000 | $255,000 | $117,000 | $499,000 |
| Asian | 26 | $3,720,000 | $143,000 | $465,000 | $136,000 | $495,000 |
| Black or African American | 26 | $1,580,000 | $60,000 | $155,000 | $92,000 | $475,000 |
| Not Provided | 13 | $2,775,000 | $213,000 | $625,000 | $174,000 | $454,000 |
| American Indian or Alaskan Native | 4 | $720,000 | $180,000 | $255,000 | $126,000 | $267,000 |
| 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) | 2,076 | $457,900,000 | $220,000 | $10,005,000 | $158,000 | $7,778,000 |
| FHA-insured (Federal Housing Administration) | 18 | $2,980,000 | $165,000 | $485,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 5 | $1,125,000 | $225,000 | $285,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $85,000 | $85,000 | $85,000 | $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 | 1,198 | $318,040,000 | $265,000 | $5,185,000 | $0 | $0 |
| Loan Originated | 710 | $101,760,000 | $143,000 | $2,205,000 | $172,000 | $7,778,000 |
| Application Denied By Financial Institution | 120 | $14,680,000 | $122,000 | $2,005,000 | $75,000 | $305,000 |
| Application Approved But Not Accepted | 37 | $6,835,000 | $184,000 | $705,000 | $184,000 | $709,000 |
| Application Withdrawn By Applicant | 35 | $20,775,000 | $593,000 | $10,005,000 | $122,000 | $742,000 |
| 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 | 1,980 | $447,410,000 | $225,000 | $10,005,000 | $171,000 | $7,778,000 |
| Debt-To-Income Ratio | 57 | $7,045,000 | $123,000 | $505,000 | $53,000 | $209,000 |
| Credit History | 41 | $5,525,000 | $134,000 | $2,005,000 | $88,000 | $305,000 |
| Collateral | 10 | $870,000 | $87,000 | $205,000 | $133,000 | $217,000 |
| Credit Application Incomplete | 6 | $640,000 | $106,000 | $255,000 | $83,000 | $228,000 |
| Other | 3 | $465,000 | $155,000 | $215,000 | $28,000 | $28,000 |
| Unverifiable Information | 3 | $135,000 | $45,000 | $65,000 | $120,000 | $229,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Canandaigua National Bank & Trust's 2023 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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