Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Canandaigua National Bank & Trust of Canandaigua, NY reported 1,767 mortgage applications totaling $285.8 million, up 61% from 2011. The average application was for $161,715, and applicants reported an average income of $127,524. 7% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Rochester, NY (1,611), Buffalo-Niagara Falls, NY (9) and Naples-Marco Island, FL (3) (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 | 1,767 |
| Total Mortgage Loan Application Amount | $285,752,000 |
| Average Mortgage Loan Application Amount | $161,715 |
| Highest Mortgage Loan Application Amount | $1,680,000 |
| Average Applicant Income | $127,524 |
| Highest Applicant Income | $4,734,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,611 | $ 257,035,000 | $ 159,549 | $ 124,000 |
| Buffalo-Niagara Falls, NY | 9 | $ 1,527,000 | $ 169,666 | $ 98,000 |
| Naples-Marco Island, FL | 3 | $ 651,000 | $ 217,000 | $ 229,000 |
| Syracuse, NY | 3 | $ 197,000 | $ 65,666 | $ 69,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 263,000 | $ 131,500 | $ 81,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 195,000 | $ 97,500 | $ 97,000 |
| Palm Coast, FL | 2 | $ 234,000 | $ 117,000 | $ 86,000 |
| Philadelphia, PA | 2 | $ 888,000 | $ 444,000 | $ 166,000 |
| Utica-Rome, NY | 2 | $ 362,000 | $ 181,000 | $ 160,000 |
| Boston-Quincy, MA | 1 | $ 240,000 | $ 240,000 | $ 60,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 352,000 | $ 352,000 | $ 786,000 |
| Ithaca, NY | 1 | $ 134,000 | $ 134,000 | $ 78,000 |
| Jacksonville, FL | 1 | $ 417,000 | $ 417,000 | $ 421,000 |
| Lafayette, IN | 1 | $ 233,000 | $ 233,000 | $ 234,000 |
| Lynchburg, VA | 1 | $ 260,000 | $ 260,000 | $ 302,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 417,000 | $ 417,000 | $ 381,000 |
| Nassau-Suffolk, NY | 1 | $ 220,000 | $ 220,000 | $ 197,000 |
| Ocala, FL | 1 | $ 114,000 | $ 114,000 | $ 121,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 260,000 | $ 260,000 | $ 1,422,000 |
| Peabody, MA | 1 | $ 236,000 | $ 236,000 | $ 77,000 |
| Phoenix-Mesa-Glendale, AZ | 1 | $ 384,000 | $ 384,000 | $ 681,000 |
| State College, PA | 1 | $ 107,000 | $ 107,000 | $ 46,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 106,000 | $ 106,000 | $ 136,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 243,000 | $ 243,000 | $ 192,000 |
| Williamsport, PA | 1 | $ 89,000 | $ 89,000 | $ 132,000 |
| Wilmington, NC | 1 | $ 95,000 | $ 95,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2012
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 | 1,023 | $179,059,000 | $175,000 | $1,215,000 | $128,000 | $994,000 |
| Home Purchase | 584 | $104,704,000 | $179,000 | $1,680,000 | $143,000 | $4,734,000 |
| Home Improvement | 160 | $1,989,000 | $12,000 | $100,000 | $68,000 | $500,000 |
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 | 1,656 | $263,665,000 | $159,000 | $1,680,000 | $126,000 | $4,734,000 |
| Not applicable | 42 | $11,237,000 | $267,000 | $1,560,000 | $177,000 | $2,681,000 |
| Asian | 26 | $7,009,000 | $269,000 | $1,215,000 | $178,000 | $637,000 |
| Hispanic | 16 | $1,939,000 | $121,000 | $417,000 | $97,000 | $390,000 |
| Black or African American | 15 | $1,223,000 | $81,000 | $216,000 | $100,000 | $388,000 |
| Not Provided | 11 | $298,000 | $27,000 | $117,000 | $66,000 | $127,000 |
| American Indian or Alaskan Native | 1 | $381,000 | $381,000 | $381,000 | $239,000 | $239,000 |
| 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) | 1,767 | $285,752,000 | $161,000 | $1,680,000 | $127,000 | $4,734,000 |
| 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 | 1,576 | $274,306,000 | $174,000 | $1,680,000 | $135,000 | $4,734,000 |
| Loan Originated | 118 | $9,805,000 | $83,000 | $1,560,000 | $63,000 | $500,000 |
| Application Denied By Financial Institution | 62 | $1,529,000 | $24,000 | $500,000 | $58,000 | $290,000 |
| Application Approved But Not Accepted | 11 | $112,000 | $10,000 | $26,000 | $89,000 | $184,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 22 | $446,000 | $20,000 | $240,000 | $52,000 | $94,000 |
| Debt-To-Income Ratio | 19 | $730,000 | $38,000 | $500,000 | $43,000 | $137,000 |
| Collateral | 17 | $303,000 | $17,000 | $40,000 | $81,000 | $290,000 |
| Credit Application Incomplete | 2 | $20,000 | $10,000 | $15,000 | $47,000 | $49,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $10,000 | $10,000 | $10,000 | $18,000 | $18,000 |
| Unverifiable Information | 1 | $20,000 | $20,000 | $20,000 | $142,000 | $142,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 2012 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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