Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Canandaigua National Bank & Trust of Canandaigua, NY reported 2,077 mortgage applications totaling $534.8 million, down 15% from 2021. The average application was for $257,479, and applicants reported an average income of $138,530. 30% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Rochester, NY (1,801), Buffalo-Cheektowaga-Niagara Falls, NY (27) and Syracuse, NY (17) (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 | 2,077 |
| Total Mortgage Loan Application Amount | $534,785,000 |
| Average Mortgage Loan Application Amount | $257,479 |
| Highest Mortgage Loan Application Amount | $29,845,000 |
| Average Applicant Income | $138,530 |
| Highest Applicant Income | $2,776,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,801 | $ 389,985,000 | $ 216,538 | $ 135,000 |
| Outside any metro area | 109 | $ 33,615,000 | $ 308,394 | $ 131,144 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 27 | $ 42,465,000 | $ 1,572,777 | $ 91,000 |
| Syracuse, NY | 17 | $ 5,455,000 | $ 320,882 | $ 76,000 |
| Cape Coral-Fort Myers, FL | 11 | $ 4,135,000 | $ 375,909 | $ 380,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 3,955,000 | $ 565,000 | $ 0 |
| Watertown-Fort Drum, NY | 7 | $ 8,875,000 | $ 1,267,857 | $ 68,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 2,200,000 | $ 366,666 | $ 194,000 |
| Utica-Rome, NY | 5 | $ 1,835,000 | $ 367,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 5,595,000 | $ 1,119,000 | $ 862,000 |
| Albany-Schenectady-Troy, NY | 4 | $ 1,390,000 | $ 347,500 | $ 0 |
| Jacksonville, FL | 4 | $ 1,860,000 | $ 465,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 1,250,000 | $ 312,500 | $ 321,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 1,105,000 | $ 368,333 | $ 0 |
| Denver-Aurora-Lakewood, CO | 3 | $ 1,775,000 | $ 591,666 | $ 0 |
| New York-Newark, NY | 3 | $ 1,265,000 | $ 421,666 | $ 0 |
| Spartanburg, SC | 3 | $ 895,000 | $ 298,333 | $ 0 |
| Binghamton, NY | 2 | $ 2,570,000 | $ 1,285,000 | $ 0 |
| Charleston-North Charleston, SC | 2 | $ 850,000 | $ 425,000 | $ 186,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 2,100,000 | $ 1,050,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 550,000 | $ 275,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 850,000 | $ 425,000 | $ 285,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 710,000 | $ 355,000 | $ 0 |
| Huntsville, AL | 2 | $ 660,000 | $ 330,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 720,000 | $ 360,000 | $ 151,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 910,000 | $ 455,000 | $ 396,000 |
| Newark, NJ-PA | 2 | $ 840,000 | $ 420,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 510,000 | $ 255,000 | $ 70,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 710,000 | $ 355,000 | $ 0 |
| The Villages, FL | 2 | $ 690,000 | $ 345,000 | $ 183,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Boston, MA | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Chicago-Naperville, IL | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Columbia, SC | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Dallas-Plano-Irving, TX | 1 | $ 475,000 | $ 475,000 | $ 0 |
| East Stroudsburg, PA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Elmira, NY | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Erie, PA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 1,445,000 | $ 1,445,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Ithaca, NY | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Jacksonville, NC | 1 | $ 855,000 | $ 855,000 | $ 0 |
| Kingston, NY | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Madison, WI | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 1,305,000 | $ 1,305,000 | $ 0 |
| Nassau County-Suffolk County, NY | 1 | $ 855,000 | $ 855,000 | $ 350,000 |
| New Haven-Milford, CT | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Ocala, FL | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Philadelphia, PA | 1 | $ 255,000 | $ 255,000 | $ 110,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 65,000 | $ 65,000 | $ 24,000 |
| Raleigh, NC | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Salisbury, MD-DE | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Tallahassee, FL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Tucson, AZ | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Washington-Baltimore-Arlington, DC | 1 | $ 105,000 | $ 105,000 | $ 159,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2022
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 | 877 | $311,565,000 | $355,000 | $29,845,000 | $130,000 | $995,000 |
| Cash-out Refinancing | 508 | $137,960,000 | $271,000 | $8,005,000 | $161,000 | $1,209,000 |
| Home Improvement | 394 | $37,030,000 | $93,000 | $1,265,000 | $133,000 | $1,027,000 |
| Other Purpose | 181 | $19,155,000 | $105,000 | $905,000 | $135,000 | $2,776,000 |
| Refinancing | 117 | $29,075,000 | $248,000 | $3,505,000 | $129,000 | $632,000 |
| 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 | 1,329 | $451,855,000 | $339,000 | $29,845,000 | $0 | $0 |
| White | 620 | $71,270,000 | $114,000 | $1,705,000 | $134,000 | $1,208,000 |
| Not Provided | 75 | $7,045,000 | $93,000 | $855,000 | $195,000 | $2,776,000 |
| Black or African American | 29 | $1,945,000 | $67,000 | $225,000 | $89,000 | $374,000 |
| Hispanic | 14 | $1,330,000 | $95,000 | $255,000 | $101,000 | $228,000 |
| American Indian or Alaskan Native | 4 | $270,000 | $67,000 | $105,000 | $103,000 | $302,000 |
| Asian | 4 | $360,000 | $90,000 | $255,000 | $94,000 | $172,000 |
| 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) | 2,077 | $534,785,000 | $257,000 | $29,845,000 | $137,000 | $2,776,000 |
| 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 | 1,204 | $311,950,000 | $259,000 | $2,625,000 | $0 | $0 |
| Loan Originated | 623 | $176,675,000 | $283,000 | $29,845,000 | $155,000 | $2,776,000 |
| Application Denied By Financial Institution | 165 | $25,255,000 | $153,000 | $5,125,000 | $76,000 | $527,000 |
| Application Withdrawn By Applicant | 66 | $17,310,000 | $262,000 | $4,605,000 | $143,000 | $901,000 |
| Application Approved But Not Accepted | 19 | $3,595,000 | $189,000 | $675,000 | $59,000 | $59,000 |
| 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 | 1,912 | $509,530,000 | $266,000 | $29,845,000 | $154,000 | $2,776,000 |
| Debt-To-Income Ratio | 62 | $5,830,000 | $94,000 | $425,000 | $46,000 | $144,000 |
| Credit History | 43 | $2,555,000 | $59,000 | $325,000 | $74,000 | $163,000 |
| Credit Application Incomplete | 34 | $2,530,000 | $74,000 | $255,000 | $123,000 | $527,000 |
| Unverifiable Information | 11 | $2,135,000 | $194,000 | $605,000 | $97,000 | $330,000 |
| Other | 6 | $4,950,000 | $825,000 | $4,605,000 | $101,000 | $141,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $7,085,000 | $1,417,000 | $5,125,000 | $0 | $0 |
| Collateral | 3 | $155,000 | $51,000 | $85,000 | $54,000 | $83,000 |
| Employment History | 1 | $15,000 | $15,000 | $15,000 | $61,000 | $61,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Canandaigua National Bank & Trust's 2022 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About