Applications / Mortgage Analytics / Lenders / New York / The Canandaigua National Bank and Trust Company
Canandaigua, NY · National bank · OCC · $5.3 billion assets · 749 loans in 2025
The Canandaigua National Bank and Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
749
loans originated, 2025
939
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Canandaigua National Bank and Trust Company is a New York bank of small home-improvement, refinance and other loans, ranking 5 of 251 lenders in Rochester, that also buys more loans than it makes.
Home improvement was 42.1% of its loans, refinances 25.2%, other purposes 23.1% and purchases only 9.6%. Its typical loan, $115,000, was smaller than at more than nine in ten similar lenders (national banks making between half and twice as many loans), where it was $205,000.
It bought 770 loans in 2025, more than the 749 it made; most similar lenders bought none. Its purchases have fallen from 2,320 five years before.
Its typical rate, 7.75%, was higher than at nearly all similar lenders, where it was 6.62%. Its mix, mostly home-improvement and other-purpose loans, which often carry higher rates than first mortgages, is one plausible reason.
Originations rose 4% to 749, less than similar lenders' 9% and the whole market's 10%, though up from 557 in 2020. In Rochester, its home market since before 1990, its share fell 0.6 points to 3.5%, in a market led by Premium Mortgage and ESL Federal Credit Union; with few purchase loans of its own, faster purchase lending by others is one possible reason. Its share rose 0.1 points to 0.2% in Syracuse.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Canandaigua National Bank and Trust Company took 939 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 42.1% · Refinance 25.2% · Other 23.1% · Purchase 9.6%
Conventional 99.9% · FHA 0.1% · of 749 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 735 | 98.1% |
| Florida | 9 | 1.2% |
| South Carolina | 2 | 0.3% |
| Arizona | 1 | 0.1% |
| Massachusetts | 1 | 0.1% |
| North Carolina | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rochester | 688 |
| Syracuse | 8 |
| Buffalo-Cheektowaga | 3 |
| Hilton Head Island-Bluffton-Port Royal | 2 |
| St. Petersburg-Clearwater-Largo | 2 |
| Tampa | 2 |
| Boston | 1 |
| Charlotte-Concord-Gastonia | 1 |
| Miami-Miami Beach-Kendall | 1 |
| North Port-Bradenton-Sarasota | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RM7ARTTP3T1V93 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 161602 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 13817 | 1990–2017 |
Established 1 December 1887. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Canandaigua National Bank and Trust Company's data.
The Canandaigua National Bank and Trust Company's data
$215
The Canandaigua National Bank and Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy The Canandaigua National Bank and Trust Company's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]