Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Canandaigua National Bank & Trust of Canandaigua, NY reported 1,633 mortgage applications totaling $242.4 million, up 23% from 2018. The average application was for $148,447, and applicants reported an average income of $136,751. 36% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Rochester, NY (1,514), Buffalo-Cheektowaga-Niagara Falls, NY (15) and North Port-Sarasota-Bradenton, FL (6) (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 | 1,633 |
| Total Mortgage Loan Application Amount | $242,415,000 |
| Average Mortgage Loan Application Amount | $148,447 |
| Highest Mortgage Loan Application Amount | $1,605,000 |
| Average Applicant Income | $136,751 |
| Highest Applicant Income | $3,900,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,514 | $ 214,680,000 | $ 141,796 | $ 130,000 |
| Outside any metro area | 41 | $ 5,605,000 | $ 136,707 | $ 142,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 15 | $ 2,265,000 | $ 151,000 | $ 120,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 1,710,000 | $ 285,000 | $ 78,000 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 2,150,000 | $ 358,333 | $ 236,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 1,860,000 | $ 465,000 | $ 131,000 |
| Syracuse, NY | 4 | $ 520,000 | $ 130,000 | $ 149,000 |
| Utica-Rome, NY | 3 | $ 185,000 | $ 61,666 | $ 121,000 |
| Boulder, CO | 2 | $ 1,010,000 | $ 505,000 | $ 347,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 300,000 | $ 150,000 | $ 105,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 230,000 | $ 115,000 | $ 136,000 |
| East Stroudsburg, PA | 2 | $ 290,000 | $ 145,000 | $ 118,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 330,000 | $ 165,000 | $ 134,000 |
| Port St. Lucie, FL | 2 | $ 680,000 | $ 340,000 | $ 108,000 |
| Sebastian-Vero Beach, FL | 2 | $ 690,000 | $ 345,000 | $ 142,000 |
| Watertown-Fort Drum, NY | 2 | $ 330,000 | $ 165,000 | $ 129,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 295,000 | $ 295,000 | $ 155,000 |
| Boise City, ID | 1 | $ 515,000 | $ 515,000 | $ 164,000 |
| Boston, MA | 1 | $ 1,275,000 | $ 1,275,000 | $ 650,000 |
| Charleston-North Charleston, SC | 1 | $ 125,000 | $ 125,000 | $ 185,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 475,000 | $ 475,000 | $ 273,000 |
| Glens Falls, NY | 1 | $ 275,000 | $ 275,000 | $ 99,000 |
| Harrisburg-Carlisle, PA | 1 | $ 65,000 | $ 65,000 | $ 100,000 |
| Ithaca, NY | 1 | $ 35,000 | $ 35,000 | $ 94,000 |
| Knoxville, TN | 1 | $ 485,000 | $ 485,000 | $ 480,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 45,000 | $ 45,000 | $ 111,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 385,000 | $ 385,000 | $ 282,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 635,000 | $ 635,000 | $ 1,015,000 |
| Nassau County-Suffolk County, NY | 1 | $ 285,000 | $ 285,000 | $ 58,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 155,000 | $ 155,000 | $ 199,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 245,000 | $ 245,000 | $ 89,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 225,000 | $ 225,000 | $ 407,000 |
| Raleigh, NC | 1 | $ 205,000 | $ 205,000 | $ 39,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 675,000 | $ 675,000 | $ 146,000 |
| Tallahassee, FL | 1 | $ 125,000 | $ 125,000 | $ 23,000 |
| The Villages, FL | 1 | $ 115,000 | $ 115,000 | $ 178,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 505,000 | $ 505,000 | $ 148,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 255,000 | $ 255,000 | $ 62,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 1,605,000 | $ 1,605,000 | $ 3,900,000 |
| York-Hanover, PA | 1 | $ 575,000 | $ 575,000 | $ 290,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2019
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 | 579 | $115,285,000 | $199,000 | $1,605,000 | $153,000 | $3,900,000 |
| Cash-out Refinancing | 387 | $65,285,000 | $168,000 | $1,505,000 | $143,000 | $2,721,000 |
| Home Improvement | 302 | $19,340,000 | $64,000 | $505,000 | $112,000 | $542,000 |
| Other Purpose | 239 | $17,005,000 | $71,000 | $805,000 | $120,000 | $3,073,000 |
| Refinancing | 126 | $25,500,000 | $202,000 | $665,000 | $134,000 | $481,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 1,297 | $191,605,000 | $147,000 | $1,605,000 | $135,000 | $3,900,000 |
| Not applicable | 179 | $32,065,000 | $179,000 | $1,505,000 | $166,000 | $295,000 |
| Asian | 51 | $11,015,000 | $215,000 | $685,000 | $219,000 | $2,721,000 |
| Not Provided | 43 | $2,835,000 | $65,000 | $255,000 | $100,000 | $580,000 |
| Black or African American | 37 | $2,575,000 | $69,000 | $195,000 | $89,000 | $510,000 |
| Hispanic | 24 | $2,240,000 | $93,000 | $305,000 | $91,000 | $198,000 |
| American Indian or Alaskan Native | 2 | $80,000 | $40,000 | $55,000 | $59,000 | $59,000 |
| 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) | 1,633 | $242,415,000 | $148,000 | $1,605,000 | $135,000 | $3,900,000 |
| 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 | 858 | $168,530,000 | $196,000 | $1,605,000 | $150,000 | $3,900,000 |
| Loan Originated | 583 | $58,375,000 | $100,000 | $1,505,000 | $133,000 | $3,073,000 |
| Application Denied By Financial Institution | 132 | $9,170,000 | $69,000 | $255,000 | $79,000 | $580,000 |
| Application Approved But Not Accepted | 34 | $4,040,000 | $118,000 | $335,000 | $119,000 | $448,000 |
| Application Withdrawn By Applicant | 26 | $2,300,000 | $88,000 | $405,000 | $84,000 | $336,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,501 | $233,245,000 | $155,000 | $1,605,000 | $141,000 | $3,900,000 |
| Credit History | 107 | $7,525,000 | $70,000 | $255,000 | $81,000 | $580,000 |
| Debt-To-Income Ratio | 9 | $445,000 | $49,000 | $125,000 | $36,000 | $84,000 |
| Credit Application Incomplete | 9 | $605,000 | $67,000 | $235,000 | $97,000 | $220,000 |
| Collateral | 5 | $355,000 | $71,000 | $255,000 | $72,000 | $103,000 |
| Other | 1 | $65,000 | $65,000 | $65,000 | $78,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $175,000 | $175,000 | $175,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2019 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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