Hometown Funding, Inc. D/B/A Cnb Mortgage Company Mortgage Lending & HMDA Data, 2025
In 2025, Hometown Funding, Inc. D/B/A Cnb Mortgage Company of Pittsford, NY reported 1,248 mortgage applications totaling $372.9 million, up 2% from 2024. The average application was for $298,822, and applicants reported an average income of $179,009. 88% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Rochester, NY (1,011), Buffalo-Cheektowaga-Niagara Falls, NY (23) and Syracuse, NY (20) (applications in parentheses).
| Mortgage Company & Address | Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A Monroe Avenue Pittsford, NY 14534 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 |
| Total Number of Mortgage Applications | 1,248 |
| Total Mortgage Loan Application Amount | $372,930,000 |
| Average Mortgage Loan Application Amount | $298,822 |
| Highest Mortgage Loan Application Amount | $5,825,000 |
| Average Applicant Income | $179,009 |
| Highest Applicant Income | $5,105,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Hometown Funding, Inc. D/B/A Cnb Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Monroe, New York | 723 | $ 192,005,000 | $ 265,567 | $ 160,000 |
| Ontario, New York | 164 | $ 50,560,000 | $ 308,292 | $ 155,000 |
| Wayne, New York | 65 | $ 15,975,000 | $ 245,769 | $ 113,000 |
| Yates, New York | 50 | $ 20,000,000 | $ 400,000 | $ 188,000 |
| Livingston, New York | 37 | $ 10,855,000 | $ 293,378 | $ 211,000 |
| Steuben, New York | 28 | $ 7,660,000 | $ 273,571 | $ 171,000 |
| Orleans, New York | 22 | $ 4,500,000 | $ 204,545 | $ 107,000 |
| Onondaga, New York | 19 | $ 4,695,000 | $ 247,105 | $ 118,000 |
| Erie, New York | 16 | $ 5,570,000 | $ 348,125 | $ 215,000 |
| Genesee, New York | 12 | $ 2,380,000 | $ 198,333 | $ 115,000 |
| Seneca, New York | 12 | $ 5,770,000 | $ 480,833 | $ 316,000 |
| Niagara, New York | 7 | $ 1,635,000 | $ 233,571 | $ 110,000 |
| Schuyler, New York | 7 | $ 2,155,000 | $ 307,857 | $ 173,000 |
| Palm Beach, Florida | 5 | $ 9,275,000 | $ 1,855,000 | $ 1,919,000 |
| Cayuga, New York | 5 | $ 1,255,000 | $ 251,000 | $ 152,000 |
| Oneida, New York | 5 | $ 1,365,000 | $ 273,000 | $ 89,000 |
| Wyoming, New York | 5 | $ 575,000 | $ 115,000 | $ 48,000 |
| Manatee, Florida | 4 | $ 3,900,000 | $ 975,000 | $ 275,000 |
| Cattaraugus, New York | 4 | $ 840,000 | $ 210,000 | $ 245,000 |
| Herkimer, New York | 4 | $ 1,030,000 | $ 257,500 | $ 120,000 |
| Sarasota, Florida | 3 | $ 2,865,000 | $ 955,000 | $ 1,045,000 |
| St. Johns, Florida | 3 | $ 1,535,000 | $ 511,666 | $ 174,000 |
| Charlotte, Florida | 2 | $ 990,000 | $ 495,000 | $ 521,000 |
| Lee, Florida | 2 | $ 440,000 | $ 220,000 | $ 87,000 |
| Pinellas, Florida | 2 | $ 950,000 | $ 475,000 | $ 328,000 |
| Frederick, Maryland | 2 | $ 690,000 | $ 345,000 | $ 100,000 |
| Allegany, New York | 2 | $ 590,000 | $ 295,000 | $ 152,000 |
| Jefferson, New York | 2 | $ 1,040,000 | $ 520,000 | $ 188,000 |
| Tompkins, New York | 2 | $ 460,000 | $ 230,000 | $ 165,000 |
| Beaufort, South Carolina | 2 | $ 1,160,000 | $ 580,000 | $ 196,000 |
| Morgan, Alabama | 1 | $ 335,000 | $ 335,000 | $ 95,000 |
| Maricopa, Arizona | 1 | $ 5,825,000 | $ 5,825,000 | $ 2,216,000 |
| Naugatuck Valley Planning Region, Connecticut | 1 | $ 685,000 | $ 685,000 | $ 271,000 |
| District of Columbia, District Of Columbia | 1 | $ 165,000 | $ 165,000 | $ 89,000 |
| Collier, Florida | 1 | $ 2,405,000 | $ 2,405,000 | $ 2,314,000 |
| Duval, Florida | 1 | $ 225,000 | $ 225,000 | $ 114,000 |
| Leon, Florida | 1 | $ 305,000 | $ 305,000 | $ 208,000 |
| Martin, Florida | 1 | $ 1,005,000 | $ 1,005,000 | $ 1,291,000 |
| Miami-Dade, Florida | 1 | $ 1,485,000 | $ 1,485,000 | $ 0 |
| St. Lucie, Florida | 1 | $ 225,000 | $ 225,000 | $ 142,000 |
| Cook, Illinois | 1 | $ 875,000 | $ 875,000 | $ 350,000 |
| Scott, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Morris, New Jersey | 1 | $ 405,000 | $ 405,000 | $ 323,000 |
| Broome, New York | 1 | $ 205,000 | $ 205,000 | $ 121,000 |
| Chemung, New York | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Chenango, New York | 1 | $ 145,000 | $ 145,000 | $ 58,000 |
| Columbia, New York | 1 | $ 585,000 | $ 585,000 | $ 207,000 |
| Franklin, New York | 1 | $ 315,000 | $ 315,000 | $ 345,000 |
| Hamilton, New York | 1 | $ 285,000 | $ 285,000 | $ 104,000 |
| Lewis, New York | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Oswego, New York | 1 | $ 175,000 | $ 175,000 | $ 93,000 |
| Westchester, New York | 1 | $ 255,000 | $ 255,000 | $ 141,000 |
| Brunswick, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 85,000 |
| Jackson, North Carolina | 1 | $ 225,000 | $ 225,000 | $ 116,000 |
| Hamilton, Ohio | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Allegheny, Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 93,000 |
| Northampton, Pennsylvania | 1 | $ 355,000 | $ 355,000 | $ 58,000 |
| Charleston, South Carolina | 1 | $ 765,000 | $ 765,000 | $ 453,000 |
| Dorchester, South Carolina | 1 | $ 345,000 | $ 345,000 | $ 168,000 |
| Horry, South Carolina | 1 | $ 795,000 | $ 795,000 | $ 259,000 |
| Dallas, Texas | 1 | $ 405,000 | $ 405,000 | $ 477,000 |
| Tarrant, Texas | 1 | $ 225,000 | $ 225,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for Hometown Funding, Inc. D/B/A Cnb Mortgage Company in 2025
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 | 873 | $252,335,000 | $289,000 | $5,005,000 | $163,000 | $5,105,000 |
| Cash-out Refinancing | 295 | $89,085,000 | $301,000 | $3,405,000 | $215,000 | $3,482,000 |
| Refinancing | 80 | $31,510,000 | $393,000 | $5,825,000 | $221,000 | $2,216,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 913 | $286,065,000 | $313,000 | $5,825,000 | $180,000 | $5,105,000 |
| Not applicable | 187 | $45,885,000 | $245,000 | $1,485,000 | $105,000 | $105,000 |
| Asian | 56 | $16,800,000 | $300,000 | $1,495,000 | $161,000 | $686,000 |
| Hispanic | 48 | $12,260,000 | $255,000 | $855,000 | $121,000 | $328,000 |
| Black or African American | 29 | $7,665,000 | $264,000 | $1,105,000 | $177,000 | $889,000 |
| Not Provided | 11 | $3,785,000 | $344,000 | $1,215,000 | $194,000 | $500,000 |
| American Indian or Alaskan Native | 3 | $305,000 | $101,000 | $175,000 | $61,000 | $71,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $165,000 | $165,000 | $165,000 | $93,000 | $93,000 |
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) | 1,210 | $365,740,000 | $302,000 | $5,825,000 | $180,000 | $5,105,000 |
| FHA-insured (Federal Housing Administration) | 33 | $6,175,000 | $187,000 | $295,000 | $83,000 | $188,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,015,000 | $203,000 | $255,000 | $70,000 | $119,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 Originated | 1,096 | $320,720,000 | $292,000 | $5,005,000 | $170,000 | $5,105,000 |
| Application Withdrawn By Applicant | 51 | $18,535,000 | $363,000 | $3,405,000 | $314,000 | $3,482,000 |
| Application Approved But Not Accepted | 49 | $20,165,000 | $411,000 | $5,825,000 | $238,000 | $2,216,000 |
| Application Denied By Financial Institution | 28 | $6,350,000 | $226,000 | $555,000 | $121,000 | $382,000 |
| File Closed For Incompleteness | 15 | $4,575,000 | $305,000 | $715,000 | $186,000 | $1,200,000 |
| Preapproval Approved but not Accepted | 6 | $1,670,000 | $278,000 | $365,000 | $99,000 | $171,000 |
| Preapproval Denied by Financial Institution | 3 | $915,000 | $305,000 | $425,000 | $108,000 | $176,000 |
| Loan Purchased By The 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 | 1,217 | $365,665,000 | $300,000 | $5,825,000 | $178,000 | $5,105,000 |
| Debt-To-Income Ratio | 15 | $3,645,000 | $243,000 | $555,000 | $86,000 | $176,000 |
| Collateral | 8 | $1,940,000 | $242,000 | $475,000 | $171,000 | $382,000 |
| Other | 5 | $935,000 | $187,000 | $365,000 | $112,000 | $263,000 |
| Employment History | 1 | $205,000 | $205,000 | $205,000 | $24,000 | $24,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $125,000 | $125,000 | $125,000 | $165,000 | $165,000 |
| Credit History | 1 | $415,000 | $415,000 | $415,000 | $248,000 | $248,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hometown Funding, Inc. D/B/A Cnb Mortgage Company's 2025 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 Hometown Funding, Inc. D/B/A Cnb Mortgage Company'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.
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