The Canandaigua National Bank and Trust Company mortgage approval rate & lending review
The Canandaigua National Bank and Trust Company decided 1,525 mortgage applications and funded 1,287 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Canandaigua National Bank and Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Canandaigua National Bank and Trust Company at a glance
Approval is 21.1 points above the 66.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 88% | 91 / 104 | 95% | $185K | 86 |
| Home improvement loans | 87% | 827 / 956 | 97% | $85K | 805 |
| Cash-out refinance | 94% | 276 / 294 | 95% | $145K | 262 |
| Refinance | 88% | 37 / 42 | 97% | $65K | 36 |
| Investment property purchase | 93% | 42 / 45 | 83% | $185K | 35 |
| Investment cash-out refinance | 78% | 39 / 50 | 95% | $225K | 37 |
| Investment home improvement | 83% | 25 / 30 | 92% | $105K | 23 |
The Canandaigua National Bank and Trust Company lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where The Canandaigua National Bank and Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Monroe County, NY | Home improvement loans | 85% | 648 | 536 |
| Ontario County, NY | Home improvement loans | 90% | 289 | 252 |
| Monroe County, NY | Cash-out refinance | 93% | 201 | 177 |
| Ontario County, NY | Cash-out refinance | 97% | 88 | 81 |
| Monroe County, NY | Mortgage lenders | 85% | 80 | 64 |
| Monroe County, NY | Investment property purchase | 95% | 39 | 30 |
| Monroe County, NY | Investment cash-out refinance | 78% | 40 | 29 |
| Ontario County, NY | Mortgage lenders | 95% | 22 | 20 |
| Ontario County, NY | Refinance | 90% | 21 | 19 |
| Monroe County, NY | Refinance | 85% | 20 | 16 |
The county markets where The Canandaigua National Bank and Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about The Canandaigua National Bank and Trust Company
What is The Canandaigua National Bank and Trust Company's mortgage approval rate?
The Canandaigua National Bank and Trust Company approved 87.9% of the 1,525 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 21.1 points above the 66.7% national rate for the same mix of loan types.
How often do borrowers take the loan The Canandaigua National Bank and Trust Company offers?
Borrowers accepted 96% of the loans The Canandaigua National Bank and Trust Company approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The Canandaigua National Bank and Trust Company make?
The typical home improvement loan loan The Canandaigua National Bank and Trust Company made was $85K; across all loan types its typical loan ran from $65K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Canandaigua National Bank and Trust Company lend?
The Canandaigua National Bank and Trust Company decided applications in 7 of the states Fat Boy Data covers, most of them in New York, Florida and Pennsylvania.
Can I apply to The Canandaigua National Bank and Trust Company directly?
Yes. The Canandaigua National Bank and Trust Company is a bank or credit union with 26 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Canandaigua National Bank and Trust Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how The Canandaigua National Bank and Trust Company treats applications, then get a rate quote from the lender.