Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Canandaigua National Bank & Trust of Canandaigua, NY reported 1,709 mortgage applications totaling $465.5 million, down 1% from 2024. The average application was for $272,378, and applicants reported an average income of $189,146. 44% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Rochester, NY (1,471), Syracuse, NY (22) and Buffalo-Cheektowaga-Niagara Falls, 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 | 1,709 |
| Total Mortgage Loan Application Amount | $465,495,000 |
| Average Mortgage Loan Application Amount | $272,378 |
| Highest Mortgage Loan Application Amount | $9,105,000 |
| Average Applicant Income | $189,146 |
| Highest Applicant Income | $6,477,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Rochester, NY | 1,471 | $ 375,485,000 | $ 255,258 | $ 175,000 |
| Outside any metro area | 136 | $ 44,010,000 | $ 323,602 | $ 201,367 |
| Syracuse, NY | 22 | $ 7,710,000 | $ 350,454 | $ 126,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 18 | $ 5,390,000 | $ 299,444 | $ 206,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 3,680,000 | $ 613,333 | $ 267,000 |
| Utica-Rome, NY | 6 | $ 1,180,000 | $ 196,666 | $ 114,000 |
| St. Petersburg-Clearwater-Largo, FL | 4 | $ 2,360,000 | $ 590,000 | $ 465,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 7,280,000 | $ 1,820,000 | $ 1,491,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 1,215,000 | $ 405,000 | $ 493,000 |
| Jacksonville, FL | 3 | $ 1,025,000 | $ 341,666 | $ 121,000 |
| Watertown-Fort Drum, NY | 3 | $ 1,115,000 | $ 371,666 | $ 325,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 440,000 | $ 220,000 | $ 87,000 |
| Charleston-North Charleston, SC | 2 | $ 1,110,000 | $ 555,000 | $ 310,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 1,960,000 | $ 980,000 | $ 494,000 |
| Ocala, FL | 2 | $ 320,000 | $ 160,000 | $ 214,000 |
| Port St. Lucie, FL | 2 | $ 1,230,000 | $ 615,000 | $ 716,000 |
| Tampa, FL | 2 | $ 510,000 | $ 255,000 | $ 473,000 |
| Binghamton, NY | 1 | $ 205,000 | $ 205,000 | $ 121,000 |
| Boston, MA | 1 | $ 205,000 | $ 205,000 | $ 107,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 55,000 | $ 55,000 | $ 113,000 |
| Charlottesville, VA | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| Chicago-Naperville, IL | 1 | $ 875,000 | $ 875,000 | $ 350,000 |
| Cincinnati, OH-KY-IN | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Dallas-Plano-Irving, TX | 1 | $ 405,000 | $ 405,000 | $ 477,000 |
| Decatur, AL | 1 | $ 335,000 | $ 335,000 | $ 95,000 |
| Elmira, NY | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 795,000 | $ 795,000 | $ 259,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 2,405,000 | $ 2,405,000 | $ 2,314,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 255,000 | $ 255,000 | $ 141,000 |
| Newark, NJ-PA | 1 | $ 405,000 | $ 405,000 | $ 323,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 455,000 | $ 455,000 | $ 155,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 405,000 | $ 405,000 | $ 198,000 |
| Punta Gorda, FL | 1 | $ 665,000 | $ 665,000 | $ 374,000 |
| Tallahassee, FL | 1 | $ 305,000 | $ 305,000 | $ 208,000 |
| Washington, DC-MD | 1 | $ 165,000 | $ 165,000 | $ 89,000 |
| Waterbury-Shelton, CT | 1 | $ 685,000 | $ 685,000 | $ 271,000 |
| Wilmington, NC | 1 | $ 255,000 | $ 255,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2025
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 | 577 | $224,225,000 | $388,000 | $9,105,000 | $190,000 | $5,105,000 |
| Cash-out Refinancing | 442 | $131,720,000 | $298,000 | $7,505,000 | $225,000 | $6,477,000 |
| Home Improvement | 391 | $48,475,000 | $123,000 | $1,305,000 | $162,000 | $3,128,000 |
| Other Purpose | 227 | $36,555,000 | $161,000 | $1,875,000 | $170,000 | $1,252,000 |
| Refinancing | 72 | $24,520,000 | $340,000 | $5,005,000 | $170,000 | $633,000 |
| 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 | 1,295 | $293,815,000 | $226,000 | $5,005,000 | $189,000 | $6,477,000 |
| Not applicable | 242 | $133,060,000 | $549,000 | $9,105,000 | $0 | $0 |
| Hispanic | 63 | $11,495,000 | $182,000 | $855,000 | $120,000 | $928,000 |
| Asian | 54 | $15,530,000 | $287,000 | $1,495,000 | $206,000 | $900,000 |
| Black or African American | 39 | $7,165,000 | $183,000 | $1,105,000 | $155,000 | $889,000 |
| Not Provided | 13 | $4,115,000 | $316,000 | $1,215,000 | $234,000 | $500,000 |
| American Indian or Alaskan Native | 3 | $315,000 | $105,000 | $175,000 | $77,000 | $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) | 1,707 | $464,865,000 | $272,000 | $9,105,000 | $186,000 | $6,477,000 |
| FHA-insured (Federal Housing Administration) | 2 | $630,000 | $315,000 | $605,000 | $182,000 | $330,000 |
| 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 | 770 | $237,670,000 | $308,000 | $5,005,000 | $192,000 | $5,105,000 |
| Loan Originated | 749 | $187,265,000 | $250,000 | $9,105,000 | $190,000 | $3,128,000 |
| Application Denied By Financial Institution | 123 | $20,395,000 | $165,000 | $3,005,000 | $90,000 | $498,000 |
| Application Approved But Not Accepted | 44 | $8,190,000 | $186,000 | $1,005,000 | $286,000 | $6,477,000 |
| Application Withdrawn By Applicant | 23 | $11,975,000 | $520,000 | $3,045,000 | $186,000 | $900,000 |
| 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 | 1,586 | $445,100,000 | $280,000 | $9,105,000 | $194,000 | $6,477,000 |
| Debt-To-Income Ratio | 61 | $8,555,000 | $140,000 | $405,000 | $60,000 | $214,000 |
| Credit History | 34 | $3,020,000 | $88,000 | $265,000 | $96,000 | $225,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $5,130,000 | $513,000 | $3,005,000 | $0 | $0 |
| Collateral | 8 | $2,140,000 | $267,000 | $805,000 | $245,000 | $498,000 |
| Unverifiable Information | 6 | $920,000 | $153,000 | $245,000 | $96,000 | $199,000 |
| Other | 2 | $540,000 | $270,000 | $505,000 | $170,000 | $283,000 |
| Credit Application Incomplete | 1 | $15,000 | $15,000 | $15,000 | $377,000 | $377,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $27,000 | $27,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Canandaigua National Bank & Trust's 2025 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.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.
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