Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Canandaigua National Bank & Trust of Canandaigua, NY reported 1,099 mortgage applications totaling $167.3 million, down 24% from 2013. The average application was for $152,211, and applicants reported an average income of $126,007. 17% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Rochester, NY (1,019), Buffalo-Cheektowaga-Niagara Falls, NY (11) and North Port-Sarasota-Bradenton, FL (8) (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 | 1,099 |
| Total Mortgage Loan Application Amount | $167,280,000 |
| Average Mortgage Loan Application Amount | $152,211 |
| Highest Mortgage Loan Application Amount | $3,680,000 |
| Average Applicant Income | $126,007 |
| Highest Applicant Income | $4,042,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,019 | $ 148,457,000 | $ 145,688 | $ 115,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 11 | $ 1,748,000 | $ 158,909 | $ 169,000 |
| North Port-Sarasota-Bradenton, FL | 8 | $ 1,748,000 | $ 218,500 | $ 170,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,522,000 | $ 304,400 | $ 364,000 |
| Syracuse, NY | 4 | $ 253,000 | $ 63,250 | $ 304,000 |
| Binghamton, NY | 2 | $ 84,000 | $ 42,000 | $ 174,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 693,000 | $ 346,500 | $ 529,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 1,114,000 | $ 557,000 | $ 302,000 |
| Punta Gorda, FL | 2 | $ 394,000 | $ 197,000 | $ 930,000 |
| Charleston-North Charleston, SC | 1 | $ 65,000 | $ 65,000 | $ 17,000 |
| Clarksville, TN-KY | 1 | $ 211,000 | $ 211,000 | $ 1,294,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 162,000 | $ 162,000 | $ 73,000 |
| Ithaca, NY | 1 | $ 312,000 | $ 312,000 | $ 69,000 |
| Lakeland-Winter Haven, FL | 1 | $ 124,000 | $ 124,000 | $ 60,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 648,000 | $ 648,000 | $ 583,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 172,000 | $ 172,000 | $ 122,000 |
| Port St. Lucie, FL | 1 | $ 590,000 | $ 590,000 | $ 1,196,000 |
| Reno, NV | 1 | $ 1,260,000 | $ 1,260,000 | $ 259,000 |
| Richmond, VA | 1 | $ 365,000 | $ 365,000 | $ 101,000 |
| Sebastian-Vero Beach, FL | 1 | $ 338,000 | $ 338,000 | $ 182,000 |
| Silver Spring-Frederick-Rockville, MD | 1 | $ 273,000 | $ 273,000 | $ 930,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 236,000 | $ 236,000 | $ 85,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 275,000 | $ 275,000 | $ 60,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 244,000 | $ 244,000 | $ 171,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2014
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 | 556 | $99,269,000 | $178,000 | $2,243,000 | $135,000 | $1,563,000 |
| Refinancing | 332 | $62,350,000 | $187,000 | $3,680,000 | $144,000 | $4,042,000 |
| Home Improvement | 211 | $5,661,000 | $26,000 | $3,000,000 | $74,000 | $450,000 |
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 | 940 | $140,092,000 | $149,000 | $3,680,000 | $123,000 | $4,042,000 |
| Not applicable | 85 | $18,420,000 | $216,000 | $3,000,000 | $166,000 | $1,649,000 |
| Asian | 32 | $4,905,000 | $153,000 | $520,000 | $159,000 | $930,000 |
| Black or African American | 24 | $883,000 | $36,000 | $160,000 | $79,000 | $450,000 |
| Hispanic | 11 | $2,119,000 | $192,000 | $707,000 | $122,000 | $425,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $671,000 | $223,000 | $276,000 | $123,000 | $158,000 |
| Not Provided | 2 | $55,000 | $27,000 | $40,000 | $76,000 | $80,000 |
| American Indian or Alaskan Native | 2 | $135,000 | $67,000 | $128,000 | $47,000 | $51,000 |
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) | 1,099 | $167,280,000 | $152,000 | $3,680,000 | $126,000 | $4,042,000 |
| 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 | 852 | $152,337,000 | $178,000 | $3,680,000 | $144,000 | $4,042,000 |
| Loan Originated | 184 | $13,869,000 | $75,000 | $3,000,000 | $66,000 | $450,000 |
| Application Denied By Financial Institution | 52 | $912,000 | $17,000 | $183,000 | $51,000 | $132,000 |
| Application Approved But Not Accepted | 9 | $117,000 | $13,000 | $32,000 | $84,000 | $198,000 |
| Application Withdrawn By Applicant | 2 | $45,000 | $22,000 | $25,000 | $124,000 | $155,000 |
| 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 | 36 | $498,000 | $13,000 | $70,000 | $51,000 | $110,000 |
| Debt-To-Income Ratio | 12 | $357,000 | $29,000 | $183,000 | $37,000 | $92,000 |
| Collateral | 3 | $45,000 | $15,000 | $20,000 | $84,000 | $132,000 |
| Employment History | 1 | $12,000 | $12,000 | $12,000 | $127,000 | $127,000 |
| 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 2014 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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