Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, Canandaigua National Bank & Trust of Canandaigua, NY reported 886 mortgage applications totaling $107.0 million, up 6% from 2006. The average application was for $120,742, and applicants reported an average income of $99,272. 32% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Rochester, NY (816), Orlando-Kissimmee, FL (3) and Atlanta-Sandy Springs-Marietta, GA (2) (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 | 886 |
| Total Mortgage Loan Application Amount | $106,978,000 |
| Average Mortgage Loan Application Amount | $120,742 |
| Highest Mortgage Loan Application Amount | $3,150,000 |
| Average Applicant Income | $99,272 |
| Highest Applicant Income | $1,107,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 816 | $ 96,495,000 | $ 118,253 | $ 95,000 |
| Orlando-Kissimmee, FL | 3 | $ 322,000 | $ 107,333 | $ 88,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 188,000 | $ 94,000 | $ 63,000 |
| Buffalo-Niagara Falls, NY | 2 | $ 145,000 | $ 72,500 | $ 191,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 316,000 | $ 158,000 | $ 207,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 239,000 | $ 239,000 | $ 44,000 |
| Colorado Springs, CO | 1 | $ 118,000 | $ 118,000 | $ 100,000 |
| Columbia, SC | 1 | $ 157,000 | $ 157,000 | $ 42,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 220,000 | $ 220,000 | $ 74,000 |
| Nassau-Suffolk, NY | 1 | $ 464,000 | $ 464,000 | $ 230,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 457,000 | $ 457,000 | $ 315,000 |
| Ocala, FL | 1 | $ 81,000 | $ 81,000 | $ 108,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 245,000 | $ 245,000 | $ 500,000 |
| Punta Gorda, FL | 1 | $ 75,000 | $ 75,000 | $ 105,000 |
| Syracuse, NY | 1 | $ 250,000 | $ 250,000 | $ 121,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 165,000 | $ 165,000 | $ 33,000 |
| Tucson, AZ | 1 | $ 150,000 | $ 150,000 | $ 37,000 |
| Utica-Rome, NY | 1 | $ 90,000 | $ 90,000 | $ 166,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2007
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 |
|---|---|---|---|---|---|---|
| Refinancing | 359 | $51,355,000 | $143,000 | $1,600,000 | $100,000 | $1,000,000 |
| Home Purchase | 283 | $48,488,000 | $171,000 | $3,150,000 | $121,000 | $1,107,000 |
| Home Improvement | 244 | $7,135,000 | $29,000 | $277,000 | $73,000 | $817,000 |
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 | 830 | $93,776,000 | $112,000 | $1,600,000 | $101,000 | $1,107,000 |
| Not applicable | 17 | $9,123,000 | $536,000 | $3,150,000 | $0 | $0 |
| Not Provided | 12 | $1,120,000 | $93,000 | $417,000 | $130,000 | $485,000 |
| Black or African American | 10 | $771,000 | $77,000 | $455,000 | $93,000 | $275,000 |
| Hispanic | 8 | $485,000 | $60,000 | $196,000 | $66,000 | $252,000 |
| Asian | 7 | $1,592,000 | $227,000 | $680,000 | $102,000 | $292,000 |
| American Indian or Alaskan Native | 2 | $111,000 | $55,000 | $95,000 | $55,000 | $80,000 |
| 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) | 886 | $106,978,000 | $120,000 | $3,150,000 | $99,000 | $1,107,000 |
| 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 | 489 | $81,028,000 | $165,000 | $1,600,000 | $124,000 | $1,107,000 |
| Loan Originated | 281 | $18,491,000 | $65,000 | $1,500,000 | $73,000 | $817,000 |
| Application Denied By Financial Institution | 86 | $2,294,000 | $26,000 | $178,000 | $57,000 | $227,000 |
| Application Approved But Not Accepted | 19 | $4,675,000 | $246,000 | $3,150,000 | $79,000 | $300,000 |
| Application Withdrawn By Applicant | 8 | $375,000 | $46,000 | $106,000 | $67,000 | $101,000 |
| File Closed For Incompleteness | 3 | $115,000 | $38,000 | $85,000 | $44,000 | $62,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 42 | $678,000 | $16,000 | $75,000 | $48,000 | $150,000 |
| Collateral | 16 | $490,000 | $30,000 | $142,000 | $80,000 | $227,000 |
| Other | 12 | $410,000 | $34,000 | $85,000 | $80,000 | $160,000 |
| Debt-To-Income Ratio | 11 | $472,000 | $42,000 | $178,000 | $37,000 | $102,000 |
| Credit Application Incomplete | 2 | $60,000 | $30,000 | $35,000 | $59,000 | $68,000 |
| Unverifiable Information | 2 | $160,000 | $80,000 | $90,000 | $34,000 | $44,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $24,000 | $24,000 | $24,000 | $40,000 | $40,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Canandaigua National Bank & Trust's 2007 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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