Your Community

Community Reinvestment Act


Canandaigua National Bank & Trust is committed to supporting the credit needs of our surrounding community and to participate in development programs designed to meet the needs of all community members, including those in low- and moderate-income areas while ensuring the safety and soundness of our institution. We believe our vitality depends on the well being of our community.

Comments or questions about CNB's Community Reinvestment Act (CRA) performance may be addressed to:

Brian Pasley,  CRA Officer 
[email protected]                            
Sheila Greene, CRA/HMDA Analyst
[email protected]
72 South Main Street
Canandaigua, NY 14424
(585) 394-4260

Under the CRA, the following information must be maintained in a public file and be current as of April 1 of each year: 
  • 2024 CRA Public File  
  • A copy of the OCC CRA Performance Evaluation: September 2021
  • All written comments received from the public for the current year and each of the prior two calendar years that specifically relate to the banks performance in helping to meet community credit needs and response to the comments by the bank.
  • 2022 CRA Disclosure Statement 
  • A complete listing of our Community Branch Offices 
  • A complete listing of our ATM Locations 
  • Fees 
  • Home Mortgage Disclosure Act
    The Home Mortgage Disclosure Act (HMDA) data about our residential mortgage lending is available for review. The data shows: geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions is also available online. For more information, visit the Consumer Financial Protection Bureau (CFPB) website, 

    You may scroll down to the section labeled Download HMDA data, click See recent data and summaries. You can choose any of the options there, then search by typing in “Canandaigua National Bank and Trust Company” as the Institution name, or enter LEI # 549300RM7ARTTP3T1V93 OR “Home Town Funding Inc.” (CNB Mortgage) as the Institution name, or LEI # 549300BRR67NLTQSBT29