Dime Bank mortgage approval rate & lending review
Dime Bank decided 331 mortgage applications and funded 241 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Dime Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Dime Bank at a glance
Approval is 1.1 points below the 78.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 82% | 114 / 139 | 91% | $275K | 104 |
| Home improvement loans | 76% | 39 / 51 | 95% | $35K | 37 |
| Cash-out refinance | 67% | 43 / 64 | 98% | $195K | 42 |
| Investment property purchase | 79% | 31 / 39 | 97% | $255K | 30 |
Dime Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Connecticut | 77% | $255K | 294 | 213 |
| Rhode Island | 78% | $595K | 27 | 20 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Dime Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Southeastern Connecticut Planning Region, CT | Mortgage lenders | 78% | 68 | 49 |
| Southeastern Connecticut Planning Region, CT | Home improvement loans | 79% | 42 | 31 |
| Southeastern Connecticut Planning Region, CT | Cash-out refinance | 62% | 40 | 24 |
| Southeastern Connecticut Planning Region, CT | Investment property purchase | 78% | 27 | 20 |
The county markets where Dime Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Dime Bank
What is Dime Bank's mortgage approval rate?
Dime Bank approved 77.3% of the 331 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.1 points below the 78.4% national rate for the same mix of loan types.
How often do borrowers take the loan Dime Bank offers?
Borrowers accepted 94% of the loans Dime Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Dime Bank make?
The typical home purchase mortgage loan Dime Bank made was $275K; across all loan types its typical loan ran from $35K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Dime Bank lend?
Dime Bank decided applications in 6 of the states Fat Boy Data covers, most of them in Connecticut, Rhode Island and Florida.
Can I apply to Dime Bank directly?
Yes. Dime Bank is a bank or credit union with 23 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Dime Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Dime Bank treats applications, then get a rate quote from the lender.