Dime Community 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%
21st19.3% deniedProcesswithdrawn + incomplete share, weight 15%
14th23.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 493 | 314 | 13.2% | 16.5% | 6.00% | $439M |
| 2024 | 361 | 199 | 19.9% | 25.9% | 6.25% | $155M |
| 2025 | 451 | 276 | 14.9% | 19.3% | — | $220M |
What Dime Community 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, 0 manufactured homes, 37 investment properties.
Who gets approved at Dime Community Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 32 | 21 | 21.4% |
| $100k – $150k | 46 | 30 | 20.5% |
| $150k – $250k | 102 | 62 | 22.5% |
| Over $250k | 243 | 140 | 19.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 121 | 71 | 21.7% |
| 35–44 | 146 | 92 | 17.5% |
| 45–54 | 88 | 54 | 16.9% |
| 55–64 | 58 | 33 | 26.1% |
Where Dime Community Bank lends
2 states and 18 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New York | 443 | 271 | 15.1% | — | #146 |
| New Jersey | 8 | 5 | 0.0% | — | #550 |
Frequently asked questions
Dime Community Bank denied 19.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 21st percentile of small mortgage lenders.
In 2025, 80% of its applications were for home purchases, 16% for refinancing (including cash-out), and 3% for home improvement or other purposes. By loan type: 100% conventional, 0% 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.