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Inc. D/B/A Cnb Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,011 | $ 273,895,000 | $ 270,914 | $ 157,000 |
| Outside any metro area | 131 | $ 43,005,000 | $ 328,282 | $ 179,511 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 23 | $ 7,205,000 | $ 313,260 | $ 185,000 |
| Syracuse, NY | 20 | $ 4,870,000 | $ 243,500 | $ 117,000 |
| Utica-Rome, NY | 9 | $ 2,395,000 | $ 266,111 | $ 103,000 |
| North Port-Sarasota-Bradenton, FL | 7 | $ 6,765,000 | $ 966,428 | $ 583,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 9,275,000 | $ 1,855,000 | $ 1,919,000 |
| Jacksonville, FL | 4 | $ 1,760,000 | $ 440,000 | $ 159,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 440,000 | $ 220,000 | $ 87,000 |
| Charleston-North Charleston, SC | 2 | $ 1,110,000 | $ 555,000 | $ 310,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 1,160,000 | $ 580,000 | $ 196,000 |
| Ithaca, NY | 2 | $ 460,000 | $ 230,000 | $ 165,000 |
| Port St. Lucie, FL | 2 | $ 1,230,000 | $ 615,000 | $ 716,000 |
| Punta Gorda, FL | 2 | $ 990,000 | $ 495,000 | $ 521,000 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 950,000 | $ 475,000 | $ 328,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 690,000 | $ 345,000 | $ 100,000 |
| Watertown-Fort Drum, NY | 2 | $ 1,040,000 | $ 520,000 | $ 188,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 355,000 | $ 355,000 | $ 58,000 |
| Binghamton, NY | 1 | $ 205,000 | $ 205,000 | $ 121,000 |
| Chicago-Naperville, IL | 1 | $ 875,000 | $ 875,000 | $ 350,000 |
| Cincinnati, OH-KY-IN | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Dallas-Plano-Irving, TX | 1 | $ 405,000 | $ 405,000 | $ 477,000 |
| Decatur, AL | 1 | $ 335,000 | $ 335,000 | $ 95,000 |
| Elmira, NY | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Fort Worth-Arlington, TX | 1 | $ 225,000 | $ 225,000 | $ 90,000 |
| Lexington-Fayette, KY | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 1,485,000 | $ 1,485,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 795,000 | $ 795,000 | $ 259,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 2,405,000 | $ 2,405,000 | $ 2,314,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 255,000 | $ 255,000 | $ 141,000 |
| Newark, NJ-PA | 1 | $ 405,000 | $ 405,000 | $ 323,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 5,825,000 | $ 5,825,000 | $ 2,216,000 |
| Pittsburgh, PA | 1 | $ 215,000 | $ 215,000 | $ 93,000 |
| Tallahassee, FL | 1 | $ 305,000 | $ 305,000 | $ 208,000 |
| Washington, DC-MD | 1 | $ 165,000 | $ 165,000 | $ 89,000 |
| Waterbury-Shelton, CT | 1 | $ 685,000 | $ 685,000 | $ 271,000 |
| Wilmington, NC | 1 | $ 255,000 | $ 255,000 | $ 85,000 |
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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with aggregated HMDA statistics today.
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