The Canandaigua National Bank and Trust Company
The Canandaigua National Bank and Trust Company received 939 applications in 2025 and made 749 mortgages, in 64 counties across 15 states. The median rate its borrowers got was 7.750% on a median loan of $115,000. Of 916 decisions, 123 were denials — 13.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300RM7ARTTP3T1V93 |
|---|---|
| Applications received | 939 |
| Mortgages made | 749 |
| Denied | 123 |
| Approved, not taken up | 44 |
| Withdrawn or incomplete | 23 |
| Loans bought from other lenders | 770 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The Canandaigua National Bank and Trust Company, 28 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 72 | 7.750% | $255,000 | 9.1% |
| Refinancing | 16 | 7.625% | $75,000 | 15.0% |
| Cash-out refinancing | 173 | 7.750% | $155,000 | 10.5% |
| Other purposes | 488 | 7.875% | $105,000 | 15.0% |
Where The Canandaigua National Bank and Trust Company lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Monroe County, NY | 443 | 7.750% | 12.6% |
| Ontario County, NY | 174 | 7.750% | 11.7% |
| Wayne County, NY | 35 | 8.000% | 21.3% |
| Livingston County, NY | 25 | 7.750% | 20.6% |
| Orleans County, NY | 11 | 8.000% | 21.4% |
| Yates County, NY | 10 | 7.750% | 16.7% |
| Genesee County, NY | 8 | Under 10 loans | 20.0% |
| Steuben County, NY | 8 | Under 10 loans | 11.1% |
| Onondaga County, NY | 5 | Under 10 loans | 0.0% |
| Seneca County, NY | 4 | Under 10 loans | 16.7% |
| Oswego County, NY | 3 | Under 10 loans | 0.0% |
| Pinellas County, FL | 2 | Under 10 loans | 0.0% |
| Erie County, NY | 2 | Under 10 loans | 0.0% |
| Beaufort County, SC | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Manatee County, FL | 1 | Under 10 loans | 50.0% |
| Marion County, FL | 1 | Under 10 loans | 50.0% |
| Miami-Dade County, FL | 1 | Under 10 loans | 0.0% |
| Orange County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Pasco County, FL | 1 | Under 10 loans | 0.0% |
| Norfolk County, MA | 1 | Under 10 loans | 0.0% |
| Cattaraugus County, NY | 1 | Under 10 loans | 0.0% |
| Hamilton County, NY | 1 | Under 10 loans | 0.0% |
| Jefferson County, NY | 1 | Under 10 loans | 0.0% |
| Niagara County, NY | 1 | Under 10 loans | 0.0% |
| Oneida County, NY | 1 | Under 10 loans | 0.0% |
| Schuyler County, NY | 1 | Under 10 loans | 0.0% |
| Wyoming County, NY | 1 | Under 10 loans | 50.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| Morgan County, AL | 0 | Under 10 loans | Not published |
| Naugatuck Valley Planning Region, CT | 0 | Under 10 loans | Not published |
| District of Columbia, DC | 0 | Under 10 loans | Not published |
| Charlotte County, FL | 0 | Under 10 loans | Not published |
| Collier County, FL | 0 | Under 10 loans | Not published |
| Duval County, FL | 0 | Under 10 loans | Not published |
| Lee County, FL | 0 | Under 10 loans | Not published |
| Leon County, FL | 0 | Under 10 loans | Not published |
| Martin County, FL | 0 | Under 10 loans | Not published |
| St. Johns County, FL | 0 | Under 10 loans | Not published |
| St. Lucie County, FL | 0 | Under 10 loans | Not published |
| Sarasota County, FL | 0 | Under 10 loans | Not published |
| Cook County, IL | 0 | Under 10 loans | Not published |
| Scott County, KY | 0 | Under 10 loans | Not published |
| Morris County, NJ | 0 | Under 10 loans | Not published |
| Allegany County, NY | 0 | Under 10 loans | 100.0% |
| Broome County, NY | 0 | Under 10 loans | Not published |
| Cayuga County, NY | 0 | Under 10 loans | Not published |
| Chemung County, NY | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.