Dime Community Bank has 177 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Jumbo
Superstar
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
Explore another lender or local market
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
4/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
154 loans · 0.40% below market
Acceptable
Bottom 40% of lenders
2/5
Jumbo
23 loans · 0.63% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
166 loans · 0.44% below market
Sound
Top 60% of lenders
3/5
Refinance
11 loans · 0.21% below market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 2 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 154 | 87.0% | -0.398%Below | $1,368Fees | ||||
Jumbo Loans | 23 | 13.0% | -0.628%Below | $1,526Fees |
Conventional
OverallSound
ProductAcceptable
PricingStrong
Pull ThroughAcceptable
Volume154
Mix87.0%
Spread
-0.398%Below
Fees
$1,368Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume23
Mix13.0%
Spread
-0.628%Below
Fees
$1,526Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 166 | 93.8% | -0.439%Below | $1,396Fees | ||||
Refinance | — | 11 | 6.2% | -0.215%Below | $1,244Fees |
Purchase
OverallSound
ProductSound
PricingStrong
Pull ThroughAcceptable
Volume166
Mix93.8%
Spread
-0.439%Below
Fees
$1,396Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughAcceptable
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
2Full-year 2024 · HMDALoans originated
All statesNone
Northeast2
NJNY
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.