Fidelis Catholic Mortgage Rates, Fees & Info

Arvada, CO

LEI: 5493006SSMPNYY3P8424

Tax ID: 84-0457092

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • 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, Tulsa, Fort Collins, and Greeley among others. We have data for 4 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. They have a below average pick rate when compared to similar lenders. Fidelis Catholic is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Refi 6.38% 11/17/24
    15 Year Conventional Refi 5.68% 11/17/24
    15 Year Cash-out Refi 5.68% 11/17/24
    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






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


    Originations

    51

    Origination Dollar Volume (All Markets)

    $5,225,000

    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) 47 $4,835,000 $102,872 $1,024 5.50%
    TULSA, OK (FHA|USDA|VA) 1 $145,000 $145,000 $4,651 4.75%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $125,000 $125,000 $172 6.25%
    GREELEY, CO (FHA|USDA|VA) 2 $120,000 $60,000 $172 6.03%
    Fidelis Catholic's top markets include Denver, Tulsa, Fort Collins, and Greeley among others.

    Their top states include:
  • Colorado (FHA|USDA|VA)
  • Oklahoma (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.

    ARAPAHOE CREDIT UNION
    Similarity Rank: 256
    The District Federal Credit Union
    Similarity Rank: 372
    DENVER COMMUNITY
    Similarity Rank: 480
    INTELLILOAN, INC.
    Similarity Rank: 1053
    Red Rocks Credit Union
    Similarity Rank: 1188
    First American State Bank
    Similarity Rank: 1539
    DENVER FIRE DEPARTMENT FEDERAL CREDIT UNION
    Similarity Rank: 2136
    PULTE MORTGAGE LLC
    Similarity Rank: 2331
    Ent Credit Union
    Similarity Rank: 2700
    CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION
    Similarity Rank: 2772

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 51 $5,225,000 $102,451 $1,045 5.52%

    For 2019, Fidelis Catholic's most frequently originated type of loan was Conventional, with 51 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 38 $4,080,000 $107,368 $1,021 5.62%
    Refi 7 $675,000 $96,429 $1,164 5.16%
    Home Improvement 4 $150,000 $37,500 $172 6.04%
    Home Purchase 2 $320,000 $160,000 $4,651 3.88%

    For 2019, Fidelis Catholic's most frequently cited loan purpose was Cash Out Refi, with 38 originations. The 2nd most popular reason was Refi, with 7 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 23 $1,635,000 $71,087 $177 5.98%
    Other 11 $705,000 $64,091 $156 5.95%
    30 Year 8 $2,410,000 $301,250 $5,640 4.11%
    10 Year 6 $420,000 $70,000 $172 4.73%
    5 Year 3 $55,000 $18,333 $172 5.79%

    For 2019, Fidelis Catholic's most frequently cited loan duration was 15 Year, with 23 originations. The 2nd most popular length was Other, with 11 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $2k-3k 3 $415,000 $138,333
    $3k-4k 2 $480,000 $240,000
    $5k+ 2 $790,000 $395,000
    $4k-5k 1 $725,000 $725,000

    Fidelis Catholic's average total fees were $5,640, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 3 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 23 $1,135,000 $49,348
    4-5% 9 $1,565,000 $173,889
    6-7% 9 $545,000 $60,556
    7-8% 5 $535,000 $107,000
    3-4% 4 $1,270,000 $317,500
    2.5-3% 1 $175,000 $175,000

    During 2019, Fidelis Catholic's average interest rate for loans was 4.11%, while their most frequently originated rate bucket for loans was 5-6%, with 23 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 35 $1,665,000 $47,571 $167 5.82%
    $100k-200k 11 $1,565,000 $142,273 $1,393 5.30%
    $200k-400k 3 $795,000 $265,000 $5,981 3.79%
    $400k-600k 1 $475,000 $475,000 $7,686 3.75%
    $600k-1MM 1 $725,000 $725,000 $6,859 4.38%

    2019 saw Fidelis Catholic place emphasis on $100,000 or less loans with 35 originations, totaling $1,665,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 18 $1,600,000 $88,889 $1,343 5.34%
    $50k or less 12 $870,000 $72,500 $863 5.47%
    $75k-100k 8 $950,000 $118,750 $1,111 5.56%
    $150k-250k 7 $1,305,000 $186,429 $1,142 6.04%
    $100k-150k 5 $325,000 $65,000 $172 6.02%
    $250k+ 1 $175,000 $175,000 $0 3.00%

    Fidelis Catholic lent most frequently to those with incomes in the $50k-75k range, with 18 originations. The second most popular income band? $50k or less, with 12 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 9 $395,000 $43,889 $172 5.75%
    30-36% 7 $775,000 $110,714 $1,606 5.24%
    40% 7 $945,000 $135,000 $1,962 5.41%
    36% 4 $300,000 $75,000 $172 5.62%
    <20% 3 $125,000 $41,667 $115 5.37%
    43% 3 $335,000 $111,667 $1,804 5.25%
    38% 3 $265,000 $88,333 $189 6.29%
    45% 3 $165,000 $55,000 $172 5.78%
    41% 2 $30,000 $15,000 $172 6.08%
    39% 2 $140,000 $70,000 $172 5.95%
    44% 2 $150,000 $75,000 $172 4.98%
    46% 2 $760,000 $380,000 $3,516 5.34%
    50-60% 1 $115,000 $115,000 $3,734 4.50%
    49% 1 $65,000 $65,000 $172 6.35%
    42% 1 $475,000 $475,000 $7,686 3.75%

    Fidelis Catholic lent most frequently to those with DTI ratios of 20-30%, with 9 originations. The next most common DTI ratio? 30-36%, with 7 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 42 $4,180,000 $99,524 $799 5.65%
    Not provided 9 $1,045,000 $116,111 $2,166 4.94%

    Approval Rates

    Total approvals of all applications
    96.88%

    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
    82.35%

    Fidelis Catholic has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 51 $5,225,000 $102,451

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 51 $5,225,000 $102,451

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 11 $1,275,000 $115,909 $505 5.87%
    40-60% 1 $105,000 $105,000 $172 4.25%
    60-80% 7 $2,255,000 $322,143 $6,052 3.91%
    80-100% 1 $215,000 $215,000 $5,069 4.00%
    Under 20% 31 $1,375,000 $44,355 $166 5.85%