Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Canandaigua National Bank & Trust of Canandaigua, NY reported 2,431 mortgage applications totaling $526.6 million, down 20% from 2020. The average application was for $216,604, and applicants reported an average income of $132,578. 28% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Rochester, NY (2,109), Buffalo-Cheektowaga-Niagara Falls, NY (22) and Syracuse, NY (21) (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 | 2,431 |
| Total Mortgage Loan Application Amount | $526,565,000 |
| Average Mortgage Loan Application Amount | $216,604 |
| Highest Mortgage Loan Application Amount | $13,175,000 |
| Average Applicant Income | $132,578 |
| Highest Applicant Income | $1,357,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,109 | $ 428,595,000 | $ 203,221 | $ 134,000 |
| Outside any metro area | 110 | $ 26,190,000 | $ 238,090 | $ 133,117 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 22 | $ 4,200,000 | $ 190,909 | $ 0 |
| Syracuse, NY | 21 | $ 3,915,000 | $ 186,428 | $ 135,000 |
| Tampa-St. Petersburg-Clearwater, FL | 12 | $ 2,410,000 | $ 200,833 | $ 255,000 |
| North Port-Sarasota-Bradenton, FL | 11 | $ 5,065,000 | $ 460,454 | $ 0 |
| Cape Coral-Fort Myers, FL | 9 | $ 2,865,000 | $ 318,333 | $ 435,000 |
| Naples-Immokalee-Marco Island, FL | 9 | $ 5,095,000 | $ 566,111 | $ 0 |
| Utica-Rome, NY | 8 | $ 1,780,000 | $ 222,500 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 7 | $ 3,195,000 | $ 456,428 | $ 0 |
| Charleston-North Charleston, SC | 5 | $ 2,935,000 | $ 587,000 | $ 0 |
| Punta Gorda, FL | 5 | $ 745,000 | $ 149,000 | $ 57,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 1,765,000 | $ 353,000 | $ 92,000 |
| Atlanta-Sandy Springs-Roswell, GA | 4 | $ 930,000 | $ 232,500 | $ 166,000 |
| Greenville-Anderson-Mauldin, SC | 4 | $ 1,060,000 | $ 265,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 680,000 | $ 170,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 715,000 | $ 238,333 | $ 0 |
| Denver-Aurora-Lakewood, CO | 3 | $ 1,495,000 | $ 498,333 | $ 229,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 485,000 | $ 161,666 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 2,505,000 | $ 835,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 1,575,000 | $ 525,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 925,000 | $ 308,333 | $ 120,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 855,000 | $ 285,000 | $ 0 |
| Asheville, NC | 2 | $ 710,000 | $ 355,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 2,960,000 | $ 1,480,000 | $ 0 |
| East Stroudsburg, PA | 2 | $ 520,000 | $ 260,000 | $ 0 |
| Elmira, NY | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Huntsville, AL | 2 | $ 580,000 | $ 290,000 | $ 0 |
| Jacksonville, FL | 2 | $ 1,160,000 | $ 580,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 1,090,000 | $ 545,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 790,000 | $ 395,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 620,000 | $ 310,000 | $ 81,000 |
| New York-Newark, NY | 2 | $ 840,000 | $ 420,000 | $ 0 |
| Ocala, FL | 2 | $ 610,000 | $ 305,000 | $ 0 |
| Port St. Lucie, FL | 2 | $ 470,000 | $ 235,000 | $ 0 |
| Spartanburg, SC | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Washington-Baltimore-Arlington, DC | 2 | $ 420,000 | $ 210,000 | $ 0 |
| Watertown-Fort Drum, NY | 2 | $ 420,000 | $ 210,000 | $ 0 |
| Akron, OH | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 5,895,000 | $ 5,895,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Austin-Round Rock, TX | 1 | $ 385,000 | $ 385,000 | $ 42,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Bloomsburg-Berwick, PA | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Brunswick, GA | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Fort Worth-Arlington, TX | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Glens Falls, NY | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Las Cruces, NM | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Montgomery, AL | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Morristown, TN | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Nassau County-Suffolk County, NY | 1 | $ 375,000 | $ 375,000 | $ 59,000 |
| New Orleans-Metairie, LA | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Newark, NJ-PA | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 395,000 | $ 395,000 | $ 190,000 |
| Peoria, IL | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Pittsburgh, PA | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Raleigh, NC | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 205,000 | $ 205,000 | $ 96,000 |
| Sebastian-Vero Beach, FL | 1 | $ 665,000 | $ 665,000 | $ 0 |
| State College, PA | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Tallahassee, FL | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| The Villages, FL | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Wilmington, DE-MD-NJ | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Wilmington, NC | 1 | $ 165,000 | $ 165,000 | $ 0 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2021
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 | 777 | $224,875,000 | $289,000 | $13,175,000 | $156,000 | $614,000 |
| Cash-out Refinancing | 692 | $160,710,000 | $232,000 | $5,205,000 | $125,000 | $509,000 |
| Refinancing | 388 | $89,030,000 | $229,000 | $3,755,000 | $94,000 | $211,000 |
| Home Improvement | 377 | $34,505,000 | $91,000 | $4,715,000 | $133,000 | $900,000 |
| Other Purpose | 197 | $17,445,000 | $88,000 | $505,000 | $142,000 | $1,357,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,668 | $454,950,000 | $272,000 | $13,175,000 | $0 | $0 |
| White | 674 | $65,110,000 | $96,000 | $845,000 | $136,000 | $1,357,000 |
| Not Provided | 50 | $3,720,000 | $74,000 | $385,000 | $133,000 | $500,000 |
| Asian | 16 | $1,350,000 | $84,000 | $255,000 | $187,000 | $865,000 |
| Black or African American | 10 | $590,000 | $59,000 | $105,000 | $115,000 | $371,000 |
| Hispanic | 10 | $740,000 | $74,000 | $205,000 | $84,000 | $175,000 |
| American Indian or Alaskan Native | 2 | $50,000 | $25,000 | $25,000 | $50,000 | $91,000 |
| 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) | 2,431 | $526,565,000 | $216,000 | $13,175,000 | $135,000 | $1,357,000 |
| 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 | 1,563 | $357,505,000 | $228,000 | $5,895,000 | $0 | $0 |
| Loan Originated | 681 | $150,055,000 | $220,000 | $13,175,000 | $147,000 | $1,357,000 |
| Application Denied By Financial Institution | 119 | $9,715,000 | $81,000 | $385,000 | $78,000 | $425,000 |
| Application Withdrawn By Applicant | 58 | $6,390,000 | $110,000 | $585,000 | $117,000 | $500,000 |
| Application Approved But Not Accepted | 10 | $2,900,000 | $290,000 | $975,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,312 | $516,850,000 | $223,000 | $13,175,000 | $145,000 | $1,357,000 |
| Debt-To-Income Ratio | 44 | $4,080,000 | $92,000 | $355,000 | $46,000 | $107,000 |
| Credit History | 28 | $1,880,000 | $67,000 | $245,000 | $65,000 | $157,000 |
| Credit Application Incomplete | 27 | $1,835,000 | $67,000 | $175,000 | $124,000 | $355,000 |
| Other | 7 | $575,000 | $82,000 | $265,000 | $145,000 | $195,000 |
| Unverifiable Information | 5 | $605,000 | $121,000 | $385,000 | $63,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $545,000 | $181,000 | $275,000 | $36,000 | $36,000 |
| Collateral | 3 | $135,000 | $45,000 | $55,000 | $195,000 | $425,000 |
| Employment History | 2 | $60,000 | $30,000 | $45,000 | $50,000 | $53,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Canandaigua National Bank & Trust's 2021 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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