The Canandaigua National Bank and Trust in Florida vs the state
18.2%Denial rate-2.88 pts vs state
18.2%Decision denial rate-9.06 pts vs state
81.8%Origination rate+29.13 pts vs state
7.88%Median rate+1.25 pts vs state
—Rate spread (pts)
$465kMedian applicant income
9Loans originated
2Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 12 | 0.0% | 8.56% | #915 |
| 2024 | 13 | 11 | 15.4% | 8.75% | #873 |
| 2025 | 11 | 9 | 18.2% | 7.88% | #907 |
What The Canandaigua National Bank and Trust lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most The Canandaigua National Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 2 | 1 | 1 | 50.0% |
| Manatee County | 2 | 1 | 1 | 50.0% |
| Pinellas County | 2 | 2 | 0 | 0.0% |
| Miami-Dade County | 1 | 1 | 0 | 0.0% |
| Palm Beach County | 1 | 1 | 0 | 0.0% |
| Pasco County | 1 | 1 | 0 | 0.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
| Hillsborough County | 1 | 1 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 11 applications in 2025, of which 9 were originated and 2 denied.
18.2% of all applications, or 18.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans The Canandaigua National Bank and Trust originated in Florida in 2025 was 7.88%, against a statewide median of 6.63%.
About this data. Figures are The Canandaigua National Bank and Trust's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology