# Dime Community Bank

> **Canonical URL:** https://saferate.com/lenders/dime-community-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Dime Community Bank is a bank, headquartered in Hauppauge, NY, serving borrowers across 2 states, with 177 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 33% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 63% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300UWA74T8PF7KY34
- **Headquarters:** Hauppauge, NY
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** NJ, NY
- **Markets (MSAs):** 2
- **Primary Channel:** mix
- **Direct Origination:** 22.2%
- **Brokered/Wholesale:** 77.8%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.428%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,389
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 177
- **Dollar Volume:** $134 million
- **Applications Received:** 320
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $755,113
- **Average Borrower Income:** $360,418
- **Average Property Value:** $1,114,266

## Safe Rate Awards 🏆

- ⭐ **Jumbo Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 154 | -0.398% | $1,368 | Acceptable 🙂 |
| Jumbo | 68/100 | 23 | -0.628% | $1,526 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 145 loans, Score: 40/100 (Acceptable)

**Jumbo:**
- Purchase: 21 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 42/100 | 166 | $124M | -0.439% | Sound ☺️ |
| Refinance | 21/100 | 11 | $9M | -0.215% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 174 | 0.15% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New York | NY-NJ | 118 | 73/100 |
| Nassau County | NY | 56 | 66/100 |

## Where This Lender Ranks

Dime Community Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#12** in Nassau County for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#14** in Nassau County Banks
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/banks)
- 🏆 **#14** in Nassau County for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in New York for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#18** in Nassau County for Jumbo Loans
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/jumbo-loans)
- 🏆 **#19** in New York Banks
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does Dime Community Bank offer?

Dime Community Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Dime Community Bank offer mortgages?

Dime Community Bank offers mortgages in 2 states: NJ, NY.

### How competitive are Dime Community Bank's mortgage rates?

Dime Community Bank has a pricing score of 67/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.428% below market average.

### What type of lender is Dime Community Bank?

Dime Community Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Hauppauge, NY.

### What is Dime Community Bank's loan approval success rate?

Dime Community Bank has a pull-through score of 37/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/dime-community-bank

### How to Cite

> "Dime Community Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/dime-community-bank

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