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Dime Community Bank

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Dime Community Bank has 177 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Regional · 2 mkts
Safe Rate Awards
Jumbo Superstar
Jumbo
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 42.80 basis points below market average
  • Lower than average lender fees

Things to Think About

  • Pull through efficiency is below industry average

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Report Card

Dime Community Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 42.8 bps below market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 2 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Acceptable
Pricing
Strong
Pull Through
Acceptable
Volume154
Mix87.0%
Spread
-0.398%Below
Fees
$1,368Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume23
Mix13.0%
Spread
-0.628%Below
Fees
$1,526Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Acceptable
Volume166
Mix93.8%
Spread
-0.439%Below
Fees
$1,396Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Pull Through
Acceptable
Volume11
Mix6.2%
Spread
-0.215%Below
Fees
$1,244Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
177
Applications
320
Volume
$133 million
Pricing & Closing
Avg Rate Spread
-0.428%
vs. market APOR
Avg Net Fees
$1,389
Origination − Credits
Pullthrough Rate
55.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$755,113
Avg Borrower Income
$360,418
Avg Property Value
$1,114,266

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast2
NJNY

Top Metro Areas by Place Specialization Score

1© Dllu · CC BY-SA 4.0
New York, NY-NJMetro
Volume 118Mix 66.67% of portfolio
73/100
Strong
2© Dicklyon · CC BY-SA 4.0
Nassau County, NYMetro
Volume 56Mix 31.64% of portfolio
66/100
Strong

Top States by Place Specialization Score

New York
New York
1
New YorkState
Volume 174Mix 98.31% of portfolio
74/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.