Dime Commercial Bank mortgage approval rate & lending review
Dime Commercial Bank decided 931 mortgage applications and funded 709 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Dime Commercial Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Dime Commercial Bank at a glance
Approval is 7.4 points below the 86.2% 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 | 80% | 532 / 668 | 97% | $565K | 516 |
| Refinance | 71% | 29 / 41 | 97% | $935K | 28 |
| Investment property purchase | 77% | 130 / 169 | 96% | $595K | 125 |
Dime Commercial Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 79% | $565K | 892 | 682 |
| New Jersey | 74% | $415K | 38 | 27 |
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 Commercial Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| New York County, NY | Mortgage lenders | 79% | 156 | 119 |
| Nassau County, NY | Mortgage lenders | 86% | 96 | 83 |
| Westchester County, NY | Mortgage lenders | 92% | 88 | 78 |
| Kings County, NY | Mortgage lenders | 65% | 112 | 70 |
| New York County, NY | Investment property purchase | 79% | 48 | 37 |
| Suffolk County, NY | Investment property purchase | 92% | 39 | 34 |
The county markets where Dime Commercial Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Dime Commercial Bank
What is Dime Commercial Bank's mortgage approval rate?
Dime Commercial Bank approved 78.7% of the 931 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.4 points below the 86.2% national rate for the same mix of loan types.
How often do borrowers take the loan Dime Commercial Bank offers?
Borrowers accepted 97% of the loans Dime Commercial 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 Commercial Bank make?
The typical home purchase mortgage loan Dime Commercial Bank made was $565K; across all loan types its typical loan ran from $565K to $935K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Dime Commercial Bank lend?
Dime Commercial Bank decided applications in 3 of the states Fat Boy Data covers, most of them in New York, New Jersey and Connecticut.
Can I apply to Dime Commercial Bank directly?
Yes. Dime Commercial Bank is a bank or credit union with 63 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Dime Commercial 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 Commercial Bank treats applications, then get a rate quote from the lender.