We're the most efficient and simplest way to manage buying a home.


Bernyce Maltman

I've been in mortgage lending for almost 20 years, and my goal is to create the best customer experience possible.  A home is the biggest purchase most people will ever make!

I live in Penn Yan with my Husband, Todd, and 2 boys, O'Brien and Brennan.  I look forward to serving all of the great communities that Generations Bank is a part of!  Call us today for all of your lending needs!

Christie Schwab

I have been in the banking infustry for 24 years, currently as a Business Development Officer in Cayuga County, specializing in mortgage origination and our student loan program, which includes 1-on-1 FAFSA application assistance.  I am the treasurer for Owasco Elementary School, Board Member for Merry Go Round Theatre, as well as the Finger Lakes Music Festival.

I am the student loan champion here at Generations, and conduct all elementary school banking programs for Cayuga County.

Bob Padula

I am a Central New York native and have been in the financial services industry for over 45 years, with the last 30 in mortgage financing.  I specialize in 1st time homebuyers, new construction, purchase money and refinances.  My wife, Ann, and I have two grown children and three grandchildren that all also reside in Central New York.

I am active on the Board of Directors for Cayuga County Homsite Development, Home Headquarters, E. John Gavras Center, EFG Foundation, as well as Upstate Caring Partners.

Generations Bank offers a comprehensive menu of conventional, goverment, and specialized mortgage options.

Matthew DeKnatel

I'm a native of Washington, DC, but called Rochester my home for nearly 20 years.  I've been assisting customers with their mortgages needs for over 2 years, but have been in the financial and banking industry for much longer than that. 

Personally, I enjoy spending my free time with my wife Niki, and our 2 1/2 year old twins, Anthony and Audrey.  I'm an avid guitar playing, having collaborated both writing, as well as recording 4 albums.  I've also spent time in Haiti on multiple occasions to assist in building an orphange.

I look forward to assisting you with any and all of your lending needs!

Mark McWilliams

I have been fortunate enough to work in the mortgage industry for more than 30 years, and have the rewarding experience of assisting hundreds of customers during that timespan.  My goal is achieving a great customer experience, while getting my customers to the closing table smoothly.  My mission is to always let my customers know clearly what they need to do in obtaining a loan for a purchase, or a refinance.

I'm a current member of the Board of Directors of Habitat for Humanity of Ontario County.  Previously, I served in the National Ski Patrol for 34 years.

Native to Canandaigua, New York, I still reside there today with my wife, Jill.  We have 4 grown childen, and 2 granddaughters.

Jim Johnson

Congratulations on taking your first step to buying or refinancing your home!  I look forward to putting my expertise and mortgage services to work for you!

With over 12 years of experience in banking, and a strong desire to provide the best customer experience possible, you can rest assured that I will do all I can to make the home financing portion of purchasing your dream home as smooth as possible.

In my free time, I enjoy spending time with my family, having 2 young boys keeps us on the go!  I also enjoy working out and golfing as much as I can.

Thank you for visiting, and I look forward to assisting you!