Fidelis Catholic Mortgage Rates, Fees & Info

Arvada, CO

LEI: 5493006SSMPNYY3P8424

Tax ID: 84-0457092

Latest/2023 | 2022 Data | 2021 Data | 2020 Data |

Jump to:

Mortgage Data

Review & Overview

Fidelis Catholic is a smaller mortgage company specializing in Cash Out Refi loans. Fidelis Catholic has a high proportion of conventional loans. Their top markets by origination volume include: Denver, Greeley, Colorado Springs, and Breckenridge among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)

Fidelis Catholic has an above average approval rate when compared to the average across all lenders.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Refi 6.38% 3/27/24
15 Year Conventional Refi 5.68% 3/27/24
15 Year Cash-out Refi 5.68% 3/27/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Fidelis Catholic Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Fidelis Catholic. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

84

Origination Dollar Volume (All Markets)

$10,730,000

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 76 $9,800,000 $128,947 $218 7.20%
GREELEY, CO (FHA|USDA|VA) 5 $515,000 $103,000 $183 7.26%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $305,000 $305,000 $263 7.29%
Breckenridge, CO (FHA|USDA|VA) 1 $55,000 $55,000 $173 6.74%
Outside of Metro Areas 1 $55,000 $55,000 $173 6.94%
Fidelis Catholic's top markets include Denver, Greeley, Colorado Springs, and Breckenridge among others.

Their top states include:
  • Colorado (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against FIDELIS CATHOLIC based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    SOUTHERN LENDING SERVICES, LTD.
    Similarity Rank: 300
    Shea Mortgage Inc.
    Similarity Rank: 589
    HOME MORTGAGE ALLIANCE, LLC
    Similarity Rank: 942
    ON TAP
    Similarity Rank: 1140
    WESTERRA CREDIT UNION
    Similarity Rank: 1275
    Ent Credit Union
    Similarity Rank: 1296
    PREMIER MEMBERS CREDIT UNION
    Similarity Rank: 1792
    HOMEAMERICAN MORTGAGE CORPORATION
    Similarity Rank: 1804
    IDEAL HOME LOANS LLC
    Similarity Rank: 2093

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 84 $10,730,000 $127,738 $216 7.20%

    For 2023, Fidelis Catholic's most frequently originated type of loan was Conventional, with 84 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 53 $6,965,000 $131,415 $234 7.31%
    Home Improvement 15 $1,425,000 $95,000 $181 6.87%
    Refi 11 $1,265,000 $115,000 $178 6.99%
    Home Purchase 4 $1,040,000 $260,000 $225 7.20%
    Other 1 $35,000 $35,000 $173 8.65%

    For 2023, Fidelis Catholic's most frequently cited loan purpose was Cash Out Refi, with 53 originations. The 2nd most popular reason was Home Improvement, with 15 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 57 $8,955,000 $157,105 $234 7.44%
    15 Year 16 $1,310,000 $81,875 $179 6.86%
    10 Year 5 $275,000 $55,000 $183 6.57%
    5 Year 5 $145,000 $29,000 $173 6.33%
    Other 1 $45,000 $45,000 $162 6.45%

    For 2023, Fidelis Catholic's most frequently cited loan duration was 20 Year, with 57 originations. The 2nd most popular length was 15 Year, with 16 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    7-8% 45 $6,795,000 $151,000
    6-7% 27 $2,735,000 $101,296
    Over 8% 9 $855,000 $95,000
    5-6% 3 $345,000 $115,000

    During 2023, Fidelis Catholic's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 7-8%, with 45 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 46 $2,380,000 $51,739 $173 7.10%
    $100k-200k 19 $2,665,000 $140,263 $189 7.34%
    $200k-400k 17 $4,565,000 $268,529 $263 7.32%
    $400k-600k 1 $475,000 $475,000 $928 6.94%
    $600k-1MM 1 $645,000 $645,000 $1,188 7.19%

    2023 saw Fidelis Catholic place emphasis on $100,000 or less loans with 46 originations, totaling $2,380,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 23 $3,705,000 $161,087 $267 7.42%
    $150k-250k 17 $2,155,000 $126,765 $190 6.96%
    $50k-75k 17 $1,195,000 $70,294 $175 7.34%
    $75k-100k 16 $1,400,000 $87,500 $180 6.98%
    $250k+ 7 $1,965,000 $280,714 $313 7.28%
    $50k or less 4 $310,000 $77,500 $173 7.07%

    Fidelis Catholic lent most frequently to those with incomes in the $100k-150k range, with 23 originations. The second most popular income band? $150k-250k, with 17 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 14 $2,170,000 $155,000 $192 7.43%
    30-36% 14 $1,870,000 $133,571 $237 7.30%
    20-30% 12 $750,000 $62,500 $176 6.83%
    <20% 9 $1,045,000 $116,111 $186 6.85%
    >60% 6 $1,440,000 $240,000 $476 7.50%
    40% 5 $415,000 $83,000 $183 7.53%
    39% 4 $670,000 $167,500 $177 7.52%
    42% 4 $580,000 $145,000 $198 7.16%
    49% 3 $235,000 $78,333 $173 7.21%
    48% 3 $315,000 $105,000 $190 7.01%
    38% 2 $260,000 $130,000 $173 7.72%
    37% 2 $190,000 $95,000 $198 6.92%
    36% 1 $55,000 $55,000 $173 6.74%
    43% 1 $305,000 $305,000 $263 7.29%
    44% 1 $185,000 $185,000 $223 7.30%
    45% 1 $35,000 $35,000 $173 7.24%
    46% 1 $55,000 $55,000 $173 7.05%
    47% 1 $155,000 $155,000 $223 6.00%

    Fidelis Catholic lent most frequently to those with DTI ratios of 50-60%, with 14 originations. The next most common DTI ratio? 30-36%, with 14 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 80 $10,550,000 $131,875 $218 7.21%
    American Indian 4 $180,000 $45,000 $173 6.94%

    Approval Rates

    Total approvals of all applications
    100.00%

    Fidelis Catholic has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination

    Points and Fees

    Points Originations Total Value Average Loan
    NA 84 $10,730,000 $127,738

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    84 $10,730,000 $127,738

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 23 $4,805,000 $208,913 $269 7.30%
    40-60% 5 $1,735,000 $347,000 $432 7.19%
    60-80% 2 $620,000 $310,000 $207 7.95%
    Under 20% 54 $3,570,000 $66,111 $173 7.13%