The Canandaigua National Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
The Canandaigua National Bank And Trust Company 2023 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | The Canandaigua National Bank And Trust Company 72 South Main St Canandaigua, NY 14424 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | $202,200 |
| Highest Mortgage Loan Application Amount | $10,005,000 |
| Average Applicant Income | $140,000 |
| Highest Applicant Income | $7,778,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with The Canandaigua National Bank And Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing The Canandaigua National Bank And Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down The Canandaigua National Bank And Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how The Canandaigua National Bank And Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by The Canandaigua National Bank And Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at The Canandaigua National Bank And Trust Company's mortgage activity for 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Monroe County New York | 1,282 | $ 259,050,000 | $ 202,000 | $ 144,000 |
| Ontario County New York | 363 | $ 65,275,000 | $ 179,000 | $ 128,000 |
| Wayne County New York | 79 | $ 13,175,000 | $ 166,000 | $ 134,000 |
| Livingston County New York | 50 | $ 9,570,000 | $ 191,000 | $ 132,000 |
| Yates County New York | 39 | $ 9,875,000 | $ 253,000 | $ 181,000 |
| Orleans County New York | 27 | $ 3,185,000 | $ 117,000 | $ 95,000 |
| Erie County New York | 24 | $ 5,960,000 | $ 248,000 | $ 168,000 |
| Steuben County New York | 22 | $ 6,370,000 | $ 289,000 | $ 218,000 |
| Genesee County New York | 21 | $ 8,555,000 | $ 407,000 | $ 115,000 |
| Onondaga County New York | 19 | $ 4,895,000 | $ 257,000 | $ 515,000 |
| Palm Beach County Florida | 9 | $ 8,905,000 | $ 989,000 | $ 387,000 |
| Schuyler County New York | 8 | $ 2,390,000 | $ 298,000 | $ 83,000 |
| Niagara County New York | 7 | $ 1,585,000 | $ 226,000 | $ 429,000 |
| Allegany County New York | 6 | $ 670,000 | $ 111,000 | $ 0 |
| Herkimer County New York | 6 | $ 1,620,000 | $ 270,000 | $ 0 |
| Lee County Florida | 5 | $ 2,625,000 | $ 525,000 | $ 3,077,000 |
| Manatee County Florida | 5 | $ 3,835,000 | $ 767,000 | $ 0 |
| Cattaraugus County New York | 5 | $ 965,000 | $ 193,000 | $ 228,000 |
| Chemung County New York | 5 | $ 295,000 | $ 59,000 | $ 0 |
| Oneida County New York | 5 | $ 855,000 | $ 171,000 | $ 68,000 |
| Oswego County New York | 5 | $ 1,195,000 | $ 239,000 | $ 0 |
| Pinellas County Florida | 4 | $ 500,000 | $ 125,000 | $ 143,000 |
| Sarasota County Florida | 4 | $ 1,380,000 | $ 345,000 | $ 142,000 |
| Jefferson County New York | 4 | $ 1,270,000 | $ 317,000 | $ 0 |
| Walton County Florida | 3 | $ 3,445,000 | $ 1,148,000 | $ 0 |
| Essex County New York | 3 | $ 2,915,000 | $ 971,000 | $ 0 |
| Madison County New York | 3 | $ 495,000 | $ 165,000 | $ 0 |
| Seneca County New York | 3 | $ 645,000 | $ 215,000 | $ 113,000 |
| St. Lawrence County New York | 3 | $ 475,000 | $ 158,000 | $ 125,000 |
| Wyoming County New York | 3 | $ 465,000 | $ 155,000 | $ 83,000 |
| Charleston County South Carolina | 3 | $ 1,865,000 | $ 621,000 | $ 605,000 |
| Broward County Florida | 2 | $ 400,000 | $ 200,000 | $ 546,000 |
| Collier County Florida | 2 | $ 9,190,000 | $ 4,595,000 | $ 0 |
| Lake County Florida | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Orange County Florida | 2 | $ 2,260,000 | $ 1,130,000 | $ 0 |
| Pasco County Florida | 2 | $ 550,000 | $ 275,000 | $ 417,000 |
| Volusia County Florida | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Hudson County New Jersey | 2 | $ 420,000 | $ 210,000 | $ 125,000 |
| Broome County New York | 2 | $ 820,000 | $ 410,000 | $ 0 |
| Saratoga County New York | 2 | $ 410,000 | $ 205,000 | $ 170,000 |
| Cuyahoga County Ohio | 2 | $ 210,000 | $ 105,000 | $ 183,000 |
| Allegheny County Pennsylvania | 2 | $ 1,720,000 | $ 860,000 | $ 0 |
| Spartanburg County South Carolina | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Maricopa County Arizona | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Alachua County Florida | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Brevard County Florida | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Charlotte County Florida | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Citrus County Florida | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Indian River County Florida | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Martin County Florida | 1 | $ 1,825,000 | $ 1,825,000 | $ 1,537,000 |
| Okaloosa County Florida | 1 | $ 855,000 | $ 855,000 | $ 0 |
| Seminole County Florida | 1 | $ 275,000 | $ 275,000 | $ 0 |
| St. Lucie County Florida | 1 | $ 1,005,000 | $ 1,005,000 | $ 7,778,000 |
| Sumter County Florida | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Gwinnett County Georgia | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Marion County Indiana | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Orleans County Louisiana | 1 | $ 195,000 | $ 195,000 | $ 187,000 |
| Hampshire County Massachusetts | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Essex County New Jersey | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Cayuga County New York | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Chautauqua County New York | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Dutchess County New York | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Franklin County New York | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Hamilton County New York | 1 | $ 585,000 | $ 585,000 | $ 0 |
| New York County New York | 1 | $ 1,385,000 | $ 1,385,000 | $ 0 |
| Orange County New York | 1 | $ 55,000 | $ 55,000 | $ 172,000 |
| Otsego County New York | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Suffolk County New York | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Ulster County New York | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Warren County New York | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Westchester County New York | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Buncombe County North Carolina | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Catawba County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Durham County North Carolina | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Forsyth County North Carolina | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Gaston County North Carolina | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Haywood County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Onslow County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Wake County North Carolina | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Carbon County Pennsylvania | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Anderson County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Oconee County South Carolina | 1 | $ 195,000 | $ 195,000 | $ 0 |
| York County South Carolina | 1 | $ 915,000 | $ 915,000 | $ 0 |
| Davidson County Tennessee | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Fentress County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Shelby County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Washington County Tennessee | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Brazos County Texas | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Addison County Vermont | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Lamoille County Vermont | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Chesterfield County Virginia | 1 | $ 75,000 | $ 75,000 | $ 85,000 |
| Norfolk County Virginia | 1 | $ 75,000 | $ 75,000 | $ 238,000 |
| Skagit County Washington | 1 | $ 15,000 | $ 15,000 | $ 305,000 |
| Monroe County West Virginia | 1 | $ 225,000 | $ 225,000 | $ 0 |
Mortgage Loan Application Detail Totals for The Canandaigua National Bank And Trust Company 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 The Canandaigua National Bank And Trust Company'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 The Canandaigua National Bank And Trust Company'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.