The Canandaigua National Bank and Trust in New York vs the state
13.0%Denial rate-6.73 pts vs state
13.4%Decision denial rate-10.69 pts vs state
79.7%Origination rate+20.13 pts vs state
7.75%Median rate+1.13 pts vs state
—Rate spread (pts)
$119kMedian applicant income
735Loans originated
120Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 881 | 693 | 13.4% | 8.70% | #89 |
| 2024 | 877 | 702 | 13.3% | 8.75% | #91 |
| 2025 | 922 | 735 | 13.0% | 7.75% | #99 |
What The Canandaigua National Bank and Trust lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most The Canandaigua National Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 553 | 443 | 68 | 12.3% |
| Ontario County | 212 | 174 | 24 | 11.3% |
| Wayne County | 48 | 35 | 10 | 20.8% |
| Livingston County | 34 | 25 | 7 | 20.6% |
| Orleans County | 14 | 11 | 3 | 21.4% |
| Yates County | 13 | 10 | 2 | 15.4% |
| Genesee County | 10 | 8 | 2 | 20.0% |
| Seneca County | 9 | 4 | 1 | 11.1% |
| Steuben County | 9 | 8 | 1 | 11.1% |
| Onondaga County | 6 | 5 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 922 applications in 2025, of which 735 were originated and 120 denied.
13.0% of all applications, or 13.4% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans The Canandaigua National Bank and Trust originated in New York in 2025 was 7.75%, 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 New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology