Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Canandaigua National Bank & Trust of Canandaigua, NY reported 1,098 mortgage applications totaling $162.3 million, down 7% from 2010. The average application was for $147,831, and applicants reported an average income of $119,409. 13% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Rochester, NY (1,023), Buffalo-Niagara Falls, NY (8) and Glens Falls, NY (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 | 1,098 |
| Total Mortgage Loan Application Amount | $162,319,000 |
| Average Mortgage Loan Application Amount | $147,831 |
| Highest Mortgage Loan Application Amount | $2,390,000 |
| Average Applicant Income | $119,409 |
| Highest Applicant Income | $4,753,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,023 | $ 149,694,000 | $ 146,328 | $ 117,000 |
| Buffalo-Niagara Falls, NY | 8 | $ 1,093,000 | $ 136,625 | $ 154,000 |
| Glens Falls, NY | 2 | $ 70,000 | $ 35,000 | $ 54,000 |
| Syracuse, NY | 2 | $ 220,000 | $ 110,000 | $ 75,000 |
| Asheville, NC | 1 | $ 267,000 | $ 267,000 | $ 122,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 110,000 | $ 110,000 | $ 74,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 321,000 | $ 321,000 | $ 253,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 260,000 | $ 260,000 | $ 178,000 |
| Punta Gorda, FL | 1 | $ 63,000 | $ 63,000 | $ 116,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 416,000 | $ 416,000 | $ 385,000 |
| Winston-Salem, NC | 1 | $ 124,000 | $ 124,000 | $ 33,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2011
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 | 578 | $98,643,000 | $170,000 | $1,650,000 | $140,000 | $4,753,000 |
| Home Purchase | 352 | $58,271,000 | $165,000 | $1,500,000 | $113,000 | $806,000 |
| Home Improvement | 168 | $5,405,000 | $32,000 | $2,390,000 | $62,000 | $570,000 |
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 | 1,033 | $148,095,000 | $143,000 | $1,650,000 | $121,000 | $4,753,000 |
| Asian | 17 | $3,596,000 | $211,000 | $580,000 | $138,000 | $814,000 |
| Hispanic | 14 | $1,410,000 | $100,000 | $272,000 | $87,000 | $243,000 |
| Not applicable | 12 | $7,280,000 | $606,000 | $2,390,000 | $0 | $0 |
| Not Provided | 11 | $1,195,000 | $108,000 | $600,000 | $157,000 | $618,000 |
| Black or African American | 10 | $738,000 | $73,000 | $251,000 | $66,000 | $141,000 |
| American Indian or Alaskan Native | 1 | $5,000 | $5,000 | $5,000 | $41,000 | $41,000 |
| 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) | 1,098 | $162,319,000 | $147,000 | $2,390,000 | $120,000 | $4,753,000 |
| 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 | 900 | $149,488,000 | $166,000 | $913,000 | $133,000 | $4,753,000 |
| Loan Originated | 141 | $12,057,000 | $85,000 | $2,390,000 | $64,000 | $570,000 |
| Application Denied By Financial Institution | 44 | $469,000 | $10,000 | $60,000 | $47,000 | $180,000 |
| Application Approved But Not Accepted | 10 | $214,000 | $21,000 | $76,000 | $48,000 | $97,000 |
| Application Withdrawn By Applicant | 3 | $91,000 | $30,000 | $51,000 | $126,000 | $243,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 31 | $202,000 | $6,000 | $20,000 | $46,000 | $180,000 |
| Collateral | 9 | $187,000 | $20,000 | $54,000 | $56,000 | $116,000 |
| Debt-To-Income Ratio | 4 | $80,000 | $20,000 | $60,000 | $40,000 | $81,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Canandaigua National Bank & Trust's 2011 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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