Canandaigua National Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, Canandaigua National Bank & Trust of Canandaigua, NY reported 1,719 mortgage applications totaling $438.2 million, down 18% from 2023. The average application was for $254,906, and applicants reported an average income of $160,801. 42% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Rochester, NY (1,468), 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 | 1,719 |
| Total Mortgage Loan Application Amount | $438,185,000 |
| Average Mortgage Loan Application Amount | $254,906 |
| Highest Mortgage Loan Application Amount | $15,015,000 |
| Average Applicant Income | $160,801 |
| Highest Applicant Income | $3,315,000 |
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Canandaigua National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,468 | $ 351,650,000 | $ 239,543 | $ 150,000 |
| Outside any metro area | 138 | $ 39,730,000 | $ 287,898 | $ 205,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 23 | $ 5,255,000 | $ 228,478 | $ 129,000 |
| Syracuse, NY | 18 | $ 5,290,000 | $ 293,888 | $ 153,000 |
| Huntsville, AL | 5 | $ 1,345,000 | $ 269,000 | $ 106,000 |
| North Port-Sarasota-Bradenton, FL | 5 | $ 1,425,000 | $ 285,000 | $ 450,000 |
| Utica-Rome, NY | 4 | $ 470,000 | $ 117,500 | $ 136,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 475,000 | $ 158,333 | $ 111,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 6,465,000 | $ 2,155,000 | $ 1,814,000 |
| New York-Jersey City-White Plains, NY-NJ | 3 | $ 2,425,000 | $ 808,333 | $ 406,666 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 475,000 | $ 158,333 | $ 172,000 |
| Watertown-Fort Drum, NY | 3 | $ 4,955,000 | $ 1,651,666 | $ 169,000 |
| Charleston-North Charleston, SC | 2 | $ 1,150,000 | $ 575,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 330,000 | $ 165,000 | $ 144,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 420,000 | $ 210,000 | $ 305,000 |
| Lakewood-New Brunswick, NJ | 2 | $ 400,000 | $ 200,000 | $ 247,000 |
| Nassau County-Suffolk County, NY | 2 | $ 3,580,000 | $ 1,790,000 | $ 0 |
| Ocala, FL | 2 | $ 470,000 | $ 235,000 | $ 112,000 |
| Spartanburg, SC | 2 | $ 580,000 | $ 290,000 | $ 82,000 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 340,000 | $ 170,000 | $ 98,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 420,000 | $ 210,000 | $ 96,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 185,000 | $ 185,000 | $ 89,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 405,000 | $ 405,000 | $ 124,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 45,000 | $ 45,000 | $ 100,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| Decatur, AL | 1 | $ 685,000 | $ 685,000 | $ 178,000 |
| Elmira, NY | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Everett, WA | 1 | $ 875,000 | $ 875,000 | $ 358,000 |
| Gettysburg, PA | 1 | $ 65,000 | $ 65,000 | $ 104,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 345,000 | $ 345,000 | $ 80,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 1,005,000 | $ 1,005,000 | $ 798,000 |
| Hinesville, GA | 1 | $ 245,000 | $ 245,000 | $ 28,000 |
| Ithaca, NY | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| Jacksonville, FL | 1 | $ 595,000 | $ 595,000 | $ 133,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 635,000 | $ 635,000 | $ 574,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 645,000 | $ 645,000 | $ 236,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 675,000 | $ 675,000 | $ 218,000 |
| Ogden-Clearfield, UT | 1 | $ 395,000 | $ 395,000 | $ 988,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Philadelphia, PA | 1 | $ 355,000 | $ 355,000 | $ 159,000 |
| Punta Gorda, FL | 1 | $ 405,000 | $ 405,000 | $ 136,000 |
| Raleigh, NC | 1 | $ 305,000 | $ 305,000 | $ 138,000 |
| Sebastian-Vero Beach, FL | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 295,000 | $ 295,000 | $ 325,000 |
| Tampa, FL | 1 | $ 385,000 | $ 385,000 | $ 251,000 |
| Wildwood-The Villages, FL | 1 | $ 135,000 | $ 135,000 | $ 122,000 |
Mortgage Loan Application Detail Totals for Canandaigua National Bank & Trust in 2024
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 | 650 | $223,800,000 | $344,000 | $9,305,000 | $169,000 | $1,076,000 |
| Home Improvement | 380 | $56,950,000 | $149,000 | $15,015,000 | $142,000 | $2,031,000 |
| Cash-out Refinancing | 318 | $92,140,000 | $289,000 | $6,805,000 | $174,000 | $3,315,000 |
| Other Purpose | 288 | $38,250,000 | $132,000 | $2,125,000 | $147,000 | $1,275,000 |
| Refinancing | 83 | $27,045,000 | $325,000 | $2,745,000 | $180,000 | $2,434,000 |
| 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 | 1,266 | $252,920,000 | $199,000 | $5,605,000 | $162,000 | $3,315,000 |
| Not applicable | 286 | $156,150,000 | $545,000 | $15,015,000 | $116,000 | $172,000 |
| Asian | 55 | $13,475,000 | $245,000 | $875,000 | $168,000 | $556,000 |
| Hispanic | 49 | $7,125,000 | $145,000 | $475,000 | $121,000 | $568,000 |
| Black or African American | 37 | $4,105,000 | $110,000 | $645,000 | $109,000 | $315,000 |
| Not Provided | 19 | $3,485,000 | $183,000 | $445,000 | $143,000 | $263,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $725,000 | $145,000 | $235,000 | $109,000 | $151,000 |
| American Indian or Alaskan Native | 2 | $200,000 | $100,000 | $105,000 | $136,000 | $138,000 |
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) | 1,719 | $438,185,000 | $254,000 | $15,015,000 | $159,000 | $3,315,000 |
| 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 | 824 | $227,710,000 | $276,000 | $5,605,000 | $175,000 | $3,315,000 |
| Loan Originated | 718 | $174,460,000 | $242,000 | $15,015,000 | $160,000 | $2,031,000 |
| Application Denied By Financial Institution | 120 | $16,210,000 | $135,000 | $1,005,000 | $79,000 | $568,000 |
| Application Withdrawn By Applicant | 44 | $10,260,000 | $233,000 | $1,205,000 | $97,000 | $251,000 |
| Application Approved But Not Accepted | 13 | $9,545,000 | $734,000 | $4,625,000 | $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 | 1,599 | $421,975,000 | $263,000 | $15,015,000 | $166,000 | $3,315,000 |
| Debt-To-Income Ratio | 73 | $8,155,000 | $111,000 | $425,000 | $49,000 | $133,000 |
| Credit History | 21 | $2,145,000 | $102,000 | $275,000 | $88,000 | $338,000 |
| Unverifiable Information | 8 | $1,870,000 | $233,000 | $755,000 | $134,000 | $420,000 |
| Collateral | 7 | $565,000 | $80,000 | $255,000 | $145,000 | $361,000 |
| Other | 7 | $1,095,000 | $156,000 | $355,000 | $251,000 | $568,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $2,055,000 | $685,000 | $1,005,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $325,000 | $325,000 | $325,000 | $0 | $0 |
| 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 2024 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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