Dime Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
11th26.3% deniedProcesswithdrawn + incomplete share, weight 15%
47th12.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 338 | 195 | 22.8% | 26.7% | — | $75M |
| 2024 | 288 | 144 | 31.6% | 36.3% | — | $63M |
| 2025 | 338 | 209 | 23.1% | 26.3% | — | $118M |
What Dime Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 68 investment properties.
Who gets approved at Dime Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 81 | 38 | 43.8% |
| $100k – $150k | 87 | 52 | 26.0% |
| $150k – $250k | 59 | 40 | 16.3% |
| Over $250k | 41 | 33 | 10.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 53 | 35 | 23.4% |
| 35–44 | 48 | 28 | 34.1% |
| 45–54 | 45 | 23 | 32.4% |
| 55–64 | 84 | 46 | 31.9% |
| 65–74 | 30 | 18 | 26.9% |
| Over 74 | 21 | 16 | 10.5% |
Where Dime Bank lends
6 states and 19 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Connecticut | 308 | 192 | 22.7% | — | #76 |
| Rhode Island | 19 | 10 | 21.1% | — | #150 |
| Florida | 5 | 4 | 20.0% | — | #1,080 |
Frequently asked questions
Dime Bank denied 26.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 11th percentile of small mortgage lenders.
In 2025, 44% of its applications were for home purchases, 23% for refinancing (including cash-out), and 33% for home improvement or other purposes. By loan type: 99% conventional, 1% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.