Applications / Mortgage Analytics / Lenders / Pennsylvania / The Dime Bank
Honesdale, PA · State non-member bank · FDIC · $1.2 billion assets · 256 loans in 2025
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256
loans originated, 2025
376
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Dime Bank, a Pennsylvania lender of small loans, made more of them in 2025 and grew faster than most banks of its size.
Its originations rose 24% to 256, against 9% for the typical similar lender (state non-member banks making between half and twice as many loans) and 10% for the whole market. That is faster growth than about three-quarters of them. The bank has not yet regained its 2020 level, when it made 378 loans.
Its typical loan was $100,000, against $175,000 for similar lenders, smaller than about nine in ten of them. Home purchases were only 27.7% of its loans; home improvement made up 21.1% and other purposes 27.0%. Such loans are usually smaller than purchase mortgages, which may help explain why its dollar total trails peers' although it makes more loans than most of them.
Its largest metro market is Scranton and Wilkes-Barre, where it has lent since 1997. It ranked 39 of 395 lenders there, and its share rose to 0.6% from 0.5%. Rocket Mortgage and Peoples Security Bank and Trust Company lead that market. Elsewhere the bank is a minor presence: in non-metro Pennsylvania it ranked 56 of 643.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Dime Bank took 376 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 27.7% · Other 27.0% · Refinance 24.2% · Home improvement 21.1%
Conventional 99.2% · USDA (RHS or FSA) 0.8% · of 256 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 |
|---|---|---|
| Pennsylvania | 247 | 96.5% |
| New York | 9 | 3.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Scranton--Wilkes-Barre | 66 |
| Allentown-Bethlehem-Easton | 1 |
| Nassau County-Suffolk County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JSQZG5CD2LWR30 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 56717 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39888 | 1997–2017 |
Established 1 January 1906. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: The Dime Bank's data.
The Dime Bank's data
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The Dime 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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