Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Canandaigua National Bank & Trust of Canandaigua, NY reported 1,329 mortgage applications totaling $191.2 million, up 18% from 2017. The average application was for $143,901, and applicants reported an average income of $128,631. 34% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Rochester, NY (1,223), Buffalo-Cheektowaga-Niagara Falls, NY (10) and North Port-Sarasota-Bradenton, FL (5) (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 | 1,329 |
| Total Mortgage Loan Application Amount | $191,245,000 |
| Average Mortgage Loan Application Amount | $143,901 |
| Highest Mortgage Loan Application Amount | $1,585,000 |
| Average Applicant Income | $128,631 |
| Highest Applicant Income | $2,736,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,223 | $ 166,015,000 | $ 135,744 | $ 122,000 |
| Outside any metro area | 37 | $ 6,345,000 | $ 171,486 | $ 159,162 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 10 | $ 1,800,000 | $ 180,000 | $ 114,000 |
| North Port-Sarasota-Bradenton, FL | 5 | $ 985,000 | $ 197,000 | $ 122,000 |
| Syracuse, NY | 5 | $ 785,000 | $ 157,000 | $ 337,000 |
| Watertown-Fort Drum, NY | 5 | $ 1,115,000 | $ 223,000 | $ 132,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 3,440,000 | $ 860,000 | $ 400,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 595,000 | $ 198,333 | $ 132,000 |
| Utica-Rome, NY | 3 | $ 375,000 | $ 125,000 | $ 168,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 825,000 | $ 275,000 | $ 314,000 |
| Binghamton, NY | 2 | $ 540,000 | $ 270,000 | $ 126,000 |
| Charleston-North Charleston, SC | 2 | $ 520,000 | $ 260,000 | $ 160,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 1,680,000 | $ 840,000 | $ 327,000 |
| Ithaca, NY | 2 | $ 480,000 | $ 240,000 | $ 97,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 210,000 | $ 105,000 | $ 57,000 |
| Newark, NJ-PA | 2 | $ 620,000 | $ 310,000 | $ 193,000 |
| Punta Gorda, FL | 2 | $ 400,000 | $ 200,000 | $ 475,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 80,000 | $ 40,000 | $ 57,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 155,000 | $ 155,000 | $ 100,000 |
| Boulder, CO | 1 | $ 305,000 | $ 305,000 | $ 168,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 305,000 | $ 305,000 | $ 424,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 225,000 | $ 225,000 | $ 205,000 |
| Durham-Chapel Hill, NC | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 225,000 | $ 225,000 | $ 160,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 525,000 | $ 525,000 | $ 181,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 285,000 | $ 285,000 | $ 132,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 995,000 | $ 995,000 | $ 1,167,000 |
| Nassau County-Suffolk County, NY | 1 | $ 255,000 | $ 255,000 | $ 79,000 |
| Ocala, FL | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 325,000 | $ 325,000 | $ 236,000 |
| Port St. Lucie, FL | 1 | $ 255,000 | $ 255,000 | $ 529,000 |
| Sebastian-Vero Beach, FL | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| St. Louis, MO-IL | 1 | $ 215,000 | $ 215,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2018
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 | 523 | $102,265,000 | $195,000 | $1,585,000 | $144,000 | $2,736,000 |
| Home Improvement | 278 | $16,600,000 | $59,000 | $255,000 | $117,000 | $819,000 |
| Cash-out Refinancing | 263 | $44,405,000 | $168,000 | $755,000 | $123,000 | $1,096,000 |
| Other Purpose | 177 | $10,575,000 | $59,000 | $405,000 | $102,000 | $1,842,000 |
| Refinancing | 85 | $17,325,000 | $203,000 | $995,000 | $145,000 | $1,167,000 |
| Not Applicable | 3 | $75,000 | $25,000 | $35,000 | $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 | 1,048 | $151,210,000 | $144,000 | $1,585,000 | $133,000 | $2,736,000 |
| Not applicable | 126 | $24,380,000 | $193,000 | $1,115,000 | $95,000 | $95,000 |
| Not Provided | 58 | $2,300,000 | $39,000 | $175,000 | $92,000 | $250,000 |
| Asian | 55 | $9,185,000 | $167,000 | $545,000 | $106,000 | $1,096,000 |
| Black or African American | 26 | $2,150,000 | $82,000 | $505,000 | $69,000 | $341,000 |
| Hispanic | 12 | $1,430,000 | $119,000 | $525,000 | $52,000 | $181,000 |
| American Indian or Alaskan Native | 3 | $505,000 | $168,000 | $295,000 | $302,000 | $671,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $85,000 | $85,000 | $85,000 | $75,000 | $75,000 |
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) | 1,329 | $191,245,000 | $143,000 | $1,585,000 | $128,000 | $2,736,000 |
| 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 | 701 | $139,845,000 | $199,000 | $1,585,000 | $140,000 | $2,736,000 |
| Loan Originated | 451 | $40,735,000 | $90,000 | $1,115,000 | $130,000 | $1,042,000 |
| Application Denied By Financial Institution | 144 | $8,230,000 | $57,000 | $405,000 | $66,000 | $335,000 |
| Application Withdrawn By Applicant | 27 | $2,155,000 | $79,000 | $405,000 | $156,000 | $1,842,000 |
| File Closed For Incompleteness | 5 | $245,000 | $49,000 | $175,000 | $97,000 | $150,000 |
| Application Approved But Not Accepted | 1 | $35,000 | $35,000 | $35,000 | $65,000 | $65,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,185 | $183,015,000 | $154,000 | $1,585,000 | $136,000 | $2,736,000 |
| Credit History | 114 | $6,660,000 | $58,000 | $405,000 | $61,000 | $335,000 |
| Credit Application Incomplete | 17 | $555,000 | $32,000 | $55,000 | $106,000 | $250,000 |
| Debt-To-Income Ratio | 8 | $600,000 | $75,000 | $145,000 | $61,000 | $101,000 |
| Collateral | 5 | $415,000 | $83,000 | $195,000 | $57,000 | $116,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Canandaigua National Bank & Trust's 2018 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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