Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Canandaigua National Bank & Trust of Canandaigua, NY reported 3,045 mortgage applications totaling $648.2 million, up 86% from 2019. The average application was for $212,868, and applicants reported an average income of $149,183. 18% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Rochester, NY (2,777), Buffalo-Cheektowaga-Niagara Falls, NY (23) and Syracuse, NY (18) (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 | 3,045 |
| Total Mortgage Loan Application Amount | $648,185,000 |
| Average Mortgage Loan Application Amount | $212,868 |
| Highest Mortgage Loan Application Amount | $7,605,000 |
| Average Applicant Income | $149,183 |
| Highest Applicant Income | $4,552,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,777 | $ 558,985,000 | $ 201,290 | $ 143,000 |
| Outside any metro area | 89 | $ 24,635,000 | $ 276,797 | $ 176,505 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 23 | $ 4,855,000 | $ 211,086 | $ 132,000 |
| Syracuse, NY | 18 | $ 3,730,000 | $ 207,222 | $ 124,000 |
| North Port-Sarasota-Bradenton, FL | 16 | $ 8,020,000 | $ 501,250 | $ 277,000 |
| Tampa-St. Petersburg-Clearwater, FL | 13 | $ 7,675,000 | $ 590,384 | $ 416,000 |
| Cape Coral-Fort Myers, FL | 10 | $ 3,220,000 | $ 322,000 | $ 207,000 |
| Naples-Immokalee-Marco Island, FL | 10 | $ 5,560,000 | $ 556,000 | $ 359,000 |
| Utica-Rome, NY | 8 | $ 1,490,000 | $ 186,250 | $ 128,000 |
| Watertown-Fort Drum, NY | 8 | $ 1,800,000 | $ 225,000 | $ 144,000 |
| Punta Gorda, FL | 7 | $ 1,515,000 | $ 216,428 | $ 159,000 |
| New York-Jersey City-White Plains, NY-NJ | 5 | $ 2,025,000 | $ 405,000 | $ 190,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 1,370,000 | $ 342,500 | $ 129,500 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 5,870,000 | $ 1,467,500 | $ 1,409,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 695,000 | $ 231,666 | $ 148,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 535,000 | $ 178,333 | $ 149,000 |
| Jacksonville, FL | 3 | $ 1,405,000 | $ 468,333 | $ 132,000 |
| Port St. Lucie, FL | 3 | $ 815,000 | $ 271,666 | $ 171,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 1,110,000 | $ 555,000 | $ 210,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 440,000 | $ 220,000 | $ 66,000 |
| Charleston-North Charleston, SC | 2 | $ 2,260,000 | $ 1,130,000 | $ 616,000 |
| Huntsville, AL | 2 | $ 590,000 | $ 295,000 | $ 92,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 730,000 | $ 365,000 | $ 170,000 |
| Ocala, FL | 2 | $ 210,000 | $ 105,000 | $ 54,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 920,000 | $ 460,000 | $ 258,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 500,000 | $ 250,000 | $ 142,000 |
| Richmond, VA | 2 | $ 830,000 | $ 415,000 | $ 144,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 205,000 | $ 205,000 | $ 17,000 |
| Binghamton, NY | 1 | $ 75,000 | $ 75,000 | $ 84,000 |
| Boston, MA | 1 | $ 245,000 | $ 245,000 | $ 188,000 |
| Chicago-Naperville, IL | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Decatur, AL | 1 | $ 395,000 | $ 395,000 | $ 196,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 125,000 | $ 125,000 | $ 147,000 |
| Glens Falls, NY | 1 | $ 125,000 | $ 125,000 | $ 203,000 |
| Harrisburg-Carlisle, PA | 1 | $ 225,000 | $ 225,000 | $ 364,000 |
| Homosassa Springs, FL | 1 | $ 235,000 | $ 235,000 | $ 118,000 |
| Lebanon, PA | 1 | $ 235,000 | $ 235,000 | $ 217,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 405,000 | $ 405,000 | $ 435,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 305,000 | $ 305,000 | $ 80,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 515,000 | $ 515,000 | $ 1,200,000 |
| Nassau County-Suffolk County, NY | 1 | $ 65,000 | $ 65,000 | $ 233,000 |
| Oklahoma City, OK | 1 | $ 225,000 | $ 225,000 | $ 175,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 315,000 | $ 315,000 | $ 94,000 |
| Pittsburgh, PA | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Providence-Warwick, RI-MA | 1 | $ 185,000 | $ 185,000 | $ 108,000 |
| Raleigh, NC | 1 | $ 225,000 | $ 225,000 | $ 117,000 |
| Reno, NV | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Salisbury, MD-DE | 1 | $ 445,000 | $ 445,000 | $ 95,000 |
| Savannah, GA | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2020
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 | 929 | $223,975,000 | $241,000 | $6,805,000 | $153,000 | $3,971,000 |
| Home Purchase | 881 | $220,735,000 | $250,000 | $6,415,000 | $158,000 | $3,612,000 |
| Cash-out Refinancing | 794 | $160,680,000 | $202,000 | $4,295,000 | $150,000 | $4,552,000 |
| Home Improvement | 262 | $19,090,000 | $72,000 | $895,000 | $118,000 | $420,000 |
| Other Purpose | 179 | $23,705,000 | $132,000 | $7,605,000 | $128,000 | $1,138,000 |
| 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 | 2,466 | $480,510,000 | $194,000 | $7,605,000 | $151,000 | $4,552,000 |
| Not applicable | 254 | $113,920,000 | $448,000 | $6,805,000 | $0 | $0 |
| Not Provided | 135 | $21,955,000 | $162,000 | $825,000 | $149,000 | $645,000 |
| Asian | 100 | $19,760,000 | $197,000 | $1,205,000 | $137,000 | $1,332,000 |
| Black or African American | 48 | $5,320,000 | $110,000 | $565,000 | $76,000 | $240,000 |
| Hispanic | 39 | $6,145,000 | $157,000 | $435,000 | $150,000 | $789,000 |
| American Indian or Alaskan Native | 2 | $380,000 | $190,000 | $315,000 | $169,000 | $326,000 |
| 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) | 3,045 | $648,185,000 | $212,000 | $7,605,000 | $149,000 | $4,552,000 |
| 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 | 2,320 | $499,110,000 | $215,000 | $4,005,000 | $154,000 | $4,552,000 |
| Loan Originated | 557 | $124,565,000 | $223,000 | $7,605,000 | $142,000 | $2,092,000 |
| Application Denied By Financial Institution | 120 | $11,240,000 | $93,000 | $755,000 | $89,000 | $515,000 |
| Application Withdrawn By Applicant | 42 | $12,280,000 | $292,000 | $6,415,000 | $120,000 | $425,000 |
| Application Approved But Not Accepted | 6 | $990,000 | $165,000 | $405,000 | $85,000 | $120,000 |
| 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 | 2,925 | $636,945,000 | $217,000 | $7,605,000 | $151,000 | $4,552,000 |
| Credit History | 35 | $2,295,000 | $65,000 | $405,000 | $75,000 | $212,000 |
| Debt-To-Income Ratio | 33 | $2,595,000 | $78,000 | $255,000 | $41,000 | $100,000 |
| Credit Application Incomplete | 33 | $3,145,000 | $95,000 | $305,000 | $141,000 | $515,000 |
| Other | 8 | $460,000 | $57,000 | $155,000 | $98,000 | $240,000 |
| Unverifiable Information | 4 | $1,050,000 | $262,000 | $755,000 | $138,000 | $360,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,370,000 | $342,000 | $515,000 | $0 | $0 |
| Collateral | 3 | $325,000 | $108,000 | $155,000 | $121,000 | $161,000 |
| Employment History | 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 2020 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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