Fidelis Catholic Mortgage Rates, Fees & Info
Arvada, COLEI: 5493006SSMPNYY3P8424
Tax ID: 84-0457092
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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, Grand Junction, Colorado Springs, and Cañon City among others. We have data for 7 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 an above average pick rate when compared to similar lenders. Fidelis Catholic is typically a low 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.
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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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Originations
93Origination Dollar Volume (All Markets)
$9,835,000Top 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) | 84 | $8,910,000 | $106,071 | $292 | 4.85% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $214 | 5.23% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $173 | 6.02% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $173 | 4.85% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $173 | 6.49% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $173 | 3.90% |
| Outside of Metro Areas | 1 | $35,000 | $35,000 | $173 | 5.14% |
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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 93 | $9,835,000 | $105,753 | $282 | 4.90% |
For 2022, Fidelis Catholic's most frequently originated type of loan was Conventional, with 93 originations.
Loan Reason
For 2022, Fidelis Catholic's most frequently cited loan purpose was Cash Out Refi, with 73 originations. The 2nd most popular reason was Home Improvement, with 16 originations.
Loan Duration/Length
For 2022, Fidelis Catholic's most frequently cited loan duration was 20 Year, with 45 originations. The 2nd most popular length was 15 Year, with 27 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $2k-3k | 1 | $165,000 | $165,000 |
| $3k-4k | 1 | $275,000 | $275,000 |
Fidelis Catholic's average total fees were $4,077, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 1 originations.
Interest Rates
During 2022, Fidelis Catholic's average interest rate for loans was 3.13%, while their most frequently originated rate bucket for loans was 5-6%, with 27 originations.
Loan Sizing
2022 saw Fidelis Catholic place emphasis on $100,000 or less loans with 57 originations, totaling $3,035,000 in origination value.
Applicant Income
Fidelis Catholic lent most frequently to those with incomes in the $100k-150k range, with 26 originations. The second most popular income band? $75k-100k, with 20 originations.
Applicant Debt to Income Ratio
Fidelis Catholic lent most frequently to those with DTI ratios of 20-30%, with 23 originations. The next most common DTI ratio? 30-36%, with 19 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 92 | $9,590,000 | $104,239 | $282 | 4.92% |
| Not provided | 1 | $245,000 | $245,000 | $0 | 2.99% |
Approval Rates
Total approvals of all applications97.94%
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 origination98.92%
Fidelis Catholic has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 93 | $9,835,000 | $105,753 |