Applications / Mortgage Analytics / Lenders / New York / Dime Commercial Bank
Hauppauge, NY · State member bank · FRS · $15.3 billion assets · 276 loans in 2025
Dime Commercial Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
276
loans originated, 2025
451
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Dime Commercial Bank is a New York lender of large loans whose 2025 volume rose 39%, far faster than similar lenders, with a typical loan of $615,000 against $195,000 for the group.
Similar lenders are state member banks making between half and twice as many loans. Its typical loan is higher than nearly all of them, and jumbo loans (larger than the conforming limit) were 8.7% of its loans, against 1.7%. Home prices in its New York markets could account for much of this.
Originations rose 39% to 276, against 7% for similar lenders and 10% for the whole market, faster than more than four in five of the group. It also bought 29 loans, where similar lenders typically bought none. Volume remains below the 578 loans of 2022.
Only 13.4% of loans went to low- and moderate-income (LMI) borrowers, among the lowest tenth of similar lenders, though up from 4.9%. Yet 28.3% were in majority-minority areas, against 4.9%. High local prices could leave few LMI buyers able to borrow, in neighbourhoods that are diverse.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Dime Commercial Bank took 451 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.5% · Refinance 15.9% · Other 2.5%
Conventional 100.0% · of 276 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 271 | 98.2% |
| New Jersey | 5 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 183 |
| Nassau County-Suffolk County | 84 |
| Kiryas Joel-Poughkeepsie-Newburgh | 6 |
| Lakewood-New Brunswick | 2 |
| Ithaca | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UWA74T8PF7KY34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 23504 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 19669 | 1990–2017 |
Established 19 February 1909. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Dime Commercial Bank's data.
Dime Commercial Bank's data
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Dime Commercial Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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