Current home equity loan and HELOC rates in Lakewood, Colorado range from 5.24% to 6.25% across the five lenders featured below, verified by MonitorBankRates as of September 28, 2026. Those offers are First Interstate BankFirst Interstate Bank215 Union Blvd, Lakewood, CO, 80228A+5.0 ★Texas Ratio: 5.08% offering Home Equity HELOC Special Offer at 5.24%, Academy BankAcademy Bank7455 W Colfax Ave, Lakewood, CO, 80214A+5.0 ★Texas Ratio: 5.56% offering Home Equity Line of Credit at 5.49%, UMB BankUMB Bank3290 S Wadsworth Blvd, Lakewood, CO, 80227A+5.0 ★Texas Ratio: 1.88% offering Home Equity Line of Credit at 5.49%, Foothills Credit UnionFoothills Credit Union7990 W Alameda Ave, Lakewood, CO, 80226A-4.9 ★Texas Ratio: 15.96% offering Platinum (75% CLTV) HELOC at 6.00%, and Credit Union Of DenverCredit Union Of Denver9305 W ALAMEDA AVE, LAKEWOOD, CO, 80226A+5.0 ★Texas Ratio: 2.33% offering Home Equity HELOC ~ 80% CLTV at 6.25%. Home equity and HELOC rates as of September 28, 2026 according to verified data from MonitorBankRates. Use the tabs below to compare home equity loans and HELOCs side by side. Rates are continually updated — we recommend checking back frequently.
Rates reflect actual verified offers from lenders actively serving Colorado borrowers. Your final approved rate will depend on your credit profile, the equity in your home, your combined loan-to-value ratio, and daily market movements. Last Updated and Verified: September 28, 2026
As low as; Rate: Wall Street Journal Prime Rate -.25%
As Low As
As low as; Rate: Wall Street Journal Prime Rate +1.00%
As low as
As low as
<=60% LTV
<=60% LTV
61-69% LTV
Owner Occupied
Owner Occupied
61-69% LTV
<=60% LTV
70-75% LTV
70-75% LTV
61-69% LTV
As Low As; Up to 95% equity
Published APR range: 5.49% - 10.24%.
Owner Occupied
70-75% LTV
Term: 5, 7, 10, 15, 20 or 25 year options; As Low As; 1st lien position
Published APR range: 5.74% - 10.74%.
No additional details available.
As Low As; Up to 95% equity
Fixed Term and Rate; 90% of the home's value.
Published APR range: 5.99% - 11.24%.
No additional details available.
Term: 5, 7, 10, 15, 20 or 25 year options; As Low As; 2nd lien position
No additional details available.
As Low As; Up to 95% equity
Published APR range: 6.49% - 8.49%.
Published APR range: 6.49% - 11.99%.
No additional details available.
Rates as low as 6.50% APR*
No additional details available.
No additional details available.
Published APR range: 6.74% - 10.24%.
Published rate range: 6.74% - 8.74%.
No additional details available.
No additional details available.
HELOCS are a variable-rate line of credit with the ability to lock in a rate and term on advances when made. Bridge HELOCs are a variable-rate line of credit that do not have the lock feature and have a balloon payment due at the end of the 12-month period. The rate on the line of credit is subject to change monthly on the 1st day of the month, based on the Wall Street Journal Prime Rate + your qualifying margin. For a HELOC, as of May 21, 2026, WSJP 6.75% + 0.10% margin for a rate of 6.85% with a 720-credit score and 80% CLTV. After the draw period of 10 years, the loan must be repaid over a 20-year amortized repayment period. HELOCs carry 3.75% Floor. The maximum APR is 21%. Locked Rate Margins are added to members existing HELOCs active interest rate. For Locked Rate Option, as of July 30, 2021, qualifying HELOC rate varies from + 0.75% to 2.50% margin. Locked Rate Option floor is 4.50%. Meritrust will only consider single family homes as collateral on rental properties (no Condos and Townhouses). Purchase Money HELOCs-1st mortgage held elsewhere carry a $1,500 processing fee + 2.00% Margin added to qualifying product. Bridge HELOCs have a $500 processing fee + 1.50% Margin added to qualifying product. Rates vary based on qualifying credit tiers. Homeowners insurance is required. Property must be in the State of Colorado. Membership required. The max CLTV for Primary Residence, Purchase Money and Bridge HELOCs is 80%, Investment Property HELOCs max 80% CLTV.
Published APR range: 6.98% - 9.05%; Published rate range: 6.75% - 8.75%.
Published APR range: 6.99% - 11.74%.
No additional details available.
No additional details available.
As Low As; Up to 95% equity
No additional details available.
Published APR range: 7.24% - 12.24%.
No additional details available.
No additional details available.
Published APR range: 7.49% - 12.74%.
No additional details available.
Max LTV: 75%
As Low As; Up to 95% equity
No additional details available.
Max CLTV: 95%
As Low As; All offers of credit are subject to credit, approval, properties located in CO and membership eligibility. As of 09/17/2026, the APR for home equity loans, based on creditworthiness and loan-to-value, ranges from 7.99% - 16.25%. As low as rate available for borrowers based on creditworthiness, underwriting, and combined-loan-to-value (CLTV). Borrow up to 89.9% of your home's value, minus any mortgage, loan, or home equity balance. This interest rate is subject to change but will not exceed 18.00% APR. Consult your tax advisor regarding the deductibility of interest. Property insurance is required. Offer is available for equity loans secured by a primary residence. Some additional restrictions may apply. The third-party fees for a home equity loan range from $105 to $2,000. Fixed payment example: Per every $10,000 loan advance at 7.99% APR is approximately $121.41 per month for 10 years.
Published APR range: 8.132% - 9.452%; Published rate range: 8.000% - 9.375%.
No additional details available.
Published rate range: 8.74% - 11.99%.
Published rate range: 8.99% - 12.99%.
Introductory rate of 5.24% APR for 6 months, then variable rate of 8.00%-9.00% APR after introductory period.
introductory rate
Introductory rate as low as 5.49% APR1 for 24 months*; After 24 months variable 7.49% - 10.25% APR applies.
Rate: Prime Rate Minus (-) 1.00%; Floor Limit = 4.75%; Credit Score: A
As Low As; current as of 07/01/2026 VAPR
Rate: Prime Rate; Floor Limit = 4.75%; Credit Score: A
Rate: Prime Rate; Floor Limit = 4.75%; Credit Score: A or B
Term: 10 Years Revolving - 15 Years Repayment; As low as
As Low As
Rate: Prime Rate Plus (+) .50%; Floor Limit = 4.75%; Credit Score: W.A.C.*
Additional APR listed for this product: 9.79%.
Additional APR listed for this product: 9.88%.
Additional APR listed for this product: 9.91%.
Additional APR listed for this product: 10.05%.
Lien Position: 1st; Tier: 2; WSJP + 1.00%; Ceiling: 18%
Lien Position: 1st; Tier: 3; WSJP + 1.50%; Ceiling: 18%
Term: 10-year draw and 15-year repayment period; Introductory rate applicable for first 6 (six) months following open date. After introductory period, APR is based on the Prime Rate, or Prime Rate plus a margin bases on underwriting & Loan To Value (LTV) and may vary with Prime Rate after account opening: Floor = 2.00%APR, Cap = 15.0%APR. APR reflects best rate available based on less than 90% LTV & individual creditworthiness. Minimal credit union closing costs incurred for lines of credit up to $249,999 when automated value model is used for underwriting; loans using alternate valuation sources could incur closing costs up to $600 depending on property location, type and loan amount. Loans greater than $249,999 subject to standard lending practices with a closing cost between $0.00 - $4,000. City/county/state fees may apply. All loans subject to approval; membership eligibility required. Equity limits and underwriting requirements vary by state. Rates, terms, and conditions
Lien Position: 2nd; Tier: 2; WSJP + 2.25%; Ceiling: 18%
Term: 5 Year Draw Period - 10 Year Repayment; up to 85% LTV; Fixed for 12 months
As Low As; Up to 75% equity with a maximum of $250,000
No additional details available.
Ceiling APR: 21.00%
Lien Position: 2nd; Tier: 3; WSJP + 3.00%; Ceiling: 18%
As Low As; Up to 75% equity with a maximum of $250,000
As Low As
A Home Equity Line of Credit (HELOC), is a revolving line of credit secured by the equity in the home. Draw period is 10 years. During the Draw period, the minimum monthly payment will equal the amount of interest accrued at the end of your monthly billing cycle. Repayment period is up to 20 years, minimum monthly payment is $100 or the amount necessary to amortize the outstanding balance, with interest over 20 years from the beginning of the repayment period, whichever is greater. A HELOC is a variable-rate loan subject to change monthly and is indexed to the prime rate as published in the Wall Street Journal. Your Annual Percentage Rate will be a variable APR based upon the prime rate, plus a margin subject to a maximum APR of 18.00%. Your margin will be based on several factors including your credit history, combined loan to value ratio, loan amount and occupancy, so your rate may differ. Rates, terms and conditions are subject to change at any time without prior notice. Final closing costs depend on the location of the property, property type and the amount of the loan. Closing costs up to $1,000 to be paid by Blue Federal Credit union, excluding appraisals. Borrower agrees that in the event the mortgage on the property is paid in full and/or closed within 24 months of the loan term, borrower will be required to immediately repay all costs paid by Blue FCU. Loans subject to final credit approval. Property insurance on the property against hazards and/or flood damage that secures the HELOC is required to open the HELOC. Subject property must be located in Wyoming or Colorado. Underwriting criteria apply. Ask for more information
Monthly based on prime rate; Lesser of 95% LTV or $399,999
Published APR range: 6.50% - 9.00%.
No additional details available.
fixed up to 5 years, then adjustable
As Low As; Up to 75% equity with a maximum of $250,000
Term: 120M Draw/ 180M Repay; Variable
Term: 10-year draw period with a 20-year payment; Non-Capped rate adjustment based on the Prime Index Rate.; Maximum rate is 18.00%
No additional details available.
10 Year Draw Period - 10 Year Repayment; up to 75% LTV; Variable
Term: 5 year Interest- Only Draw Period + 10 year Amortized Repayment Period; Published APR range: 6.75%- 10.75%. Rate: Index* - Index* +4
Rates As Low As
Published APR range: 6.75% - 18.00%**. Home Equity Line of Credit
Published APR range: 6.75% - 9.75%. Loan-to-Value: 80% or lower
No additional details available.
No additional details available.
As low as
As Low As
No additional details available.
Term: 10 year Draw period, up to 15 years to repay the balance; Payment: 1% of outstanding principal balance with minimum payment of $100.00. HELOC has a floor rate of 5.00% APR, and a ceiling rate of 18% APR. Closing cost is $399.00
Term: 10 years draw period and 10 year payback; fixed up to 5 years, then adjustable
As low as advertised rate includes the additional rate discount available for relationship pricing. This interest rate is subject to change but will not exceed 18.00% APR. Consult your tax advisor regarding the deductibility of interest. Property insurance is required. Offer is available for HELOCs secured by a primary residence. Some additional restrictions may apply. After the first 12 months, $75 annual fee applies to open lines of credit originated after 7/2025. Variable payment example: Per every $10,000 loan advance at 6.99% APR is approximately $58.41 monthly for 10 years pending no further advances occur. After 120 months during the payback period the payment per every $10,000 is $116.16 for the remaining 10-year period. Lowest rate shown for qualified borrowers on Auto, Motorcycle, HELOC, RV loans, and personal loans with eligible Peak Perks Checking or Summit Dividend Checking account.
No additional details available.
Introductory interest rate and APR of 5.99% will apply for the first twelve (12) months following month of loan closing. After the introductory period, rate is variable and is based on the Prime Rate plus margin. Based on a Home Equity LOC - Interest-Only with a credit limit of $100,000 and CLTV of 80.00%, the interest rate and APR based on the current index and margin would be 7.00%. Refer to Home Equity LOC - Interest-Only Early Disclosure for more information.
Introductory interest rate and APR of 5.99% will apply for the first twelve (12) months following month of loan closing. After the introductory period, rate is variable and is based on the Prime Rate plus margin. For example, Home Equity LOC - Percentage of Balance the current rate would be 7.00% APR based on a combined LTV of 80% and credit limit of $100,000. Refer to Home Equity LOC - Percentage of Balance Early Disclosure for more information.
Condition: 6-mo. fixed Intro. Introductory APR for 6 months, then as low as 7.00%.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Amount: $10,000 - $350,000
Published APR range: 7.49% - 9.99%.
Term: 5 Year Draw Period - 10 Year Repayment; up to 75% LTV; Fixed
Term: 10 years to advance, 10 years to pay back
Local housing and income figures that shape how much equity Lakewood, CO homeowners can borrow against. Source: U.S. Census Bureau & FHFA.
Equity and borrowable estimates are illustrative, based on a typical owner who has paid the original mortgage down to roughly 65% of current value and an 85% combined loan-to-value ceiling. Your actual figures depend on your remaining mortgage balance, credit profile, and lender underwriting.
Your borrowing limit on a home equity loan or HELOC is set by your combined loan-to-value ratio (CLTV) — the total of your first mortgage plus the new loan, divided by your home's appraised value. Most lenders cap CLTV at 80–85%. Using the local median home value of $574,400, here is roughly what an 85% CLTV ceiling allows at three stages of mortgage payoff:
| Mortgage Stage | Still Owed | Equity Held | Est. You Could Borrow |
|---|---|---|---|
| Earlier in repayment | $402,080 | $172,320 | $86,160 |
| Roughly halfway through | $315,920 | $258,480 | $172,320 |
| Well into repayment | $229,760 | $344,640 | $258,480 |
The further along you are in paying down your first mortgage, the more equity sits available to borrow against. Lenders will also weigh your credit score, debt-to-income ratio, and income — the local median household income is $89,792 — before issuing a final offer.
Illustrative estimates only, based on an 85% CLTV ceiling and the Census median home value for this area. Actual limits vary by lender (some allow up to 90% CLTV), by your home's appraised value, and by your credit profile. This is not a loan offer or a guarantee of approval.
Compare local Lakewood, CO home equity quotes against the statewide average
Daily HELOC and home equity loan averages tracked across our database of verified rate quotes — updated every evening.
Colorado HELOC rates rose 0.038 points over the past 7 days to 7.174%.
Colorado home equity loan rates fell 0.086 points over the past 7 days to 7.146%.
Where are Colorado HELOC and home equity loan rates headed through September 2027?
HELOC trajectory based on prime rate path (prime = fed funds + 3.0%). Home equity loan trajectory based on Fed funds futures and 10-year Treasury path. Not financial advice.
Monthly cost on $50,000 borrowed. HELOC shown as interest-only payment (typical during 10-year draw period). Home equity loan shown as fully amortizing principal & interest on a 15-year term.
| Scenario | HELOC Rate | HELOC Mo. Interest | HE Loan Rate | HE Loan Mo. P&I |
|---|---|---|---|---|
| Today (CO avg) | 7.174% | $299 | 7.146% | $454 |
| 6-Month Forecast | 7.174% | $299 | 7.146% | $454 |
| 12-Month Forecast | 6.924% (6.67–7.12%) | $289 (-$10) | 6.746% (6.40–7.05%) | $442 (-$11) |
Green (−) = lower monthly cost vs today. Red (+) = higher monthly cost. HELOC cost reflects variable-rate exposure: when prime drops, HELOC costs drop within one billing cycle. Locking a fixed home equity loan now insulates against further rate increases but forfeits the savings if rates fall.
According to the U.S. Census Bureau, the median owner-occupied home value in Lakewood, Colorado is approximately $574,400. A homeowner who owes 60% of their original mortgage on a median-valued home would have roughly $229,760 in available equity. At a typical 85% CLTV limit, that means they could potentially borrow up to $143,600 via a HELOC or home equity loan, depending on credit profile and lender underwriting standards.
| Feature | Home Equity Loan | HELOC |
|---|---|---|
| Rate Type | Fixed for life of loan | Variable (prime + margin) |
| Payout | Lump sum at closing | Draw as needed, up to limit |
| Term | 5-30 years | 10-yr draw + 20-yr repay (typical) |
| Payment | Fixed P&I from month one | Interest-only during draw (usually) |
| Closing Costs | Typically 2-5% of loan | Often $0 (promos common) |
| Best For | Specific large expense, payment certainty | Ongoing access, flexible borrowing |
Want a deeper breakdown? Read our full guide: Home Equity Loan vs HELOC — Key Differences, Pros and Cons
Estimate how much you could borrow against your home, and what the monthly payment on a fixed-rate home equity loan would look like. The home value below is prefilled with the local median from the U.S. Census Bureau — change it to your own home's value, and adjust any other field to see the numbers update.
Defaults to your estimated borrowing limit — edit to model a smaller loan.
Estimates only. Borrowing power assumes lenders allow up to the selected combined loan-to-value ratio; actual limits, rates, and approval depend on your credit profile, income, and the lender's underwriting. The payment figure is for a fixed-rate home equity loan with standard amortization — HELOC payments are typically interest-only during the draw period and vary with the prime rate, so they are not modeled here. This is not a loan offer.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lakewood, Colorado home equity loan and HELOC rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners, including the iCanBuy home equity offers widget shown above. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Home Equity Rate Data: We aggregate home equity loan and HELOC rates for Lakewood, Colorado directly from the official websites of local lenders, credit unions, and national institutions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home equity products in Lakewood, Colorado. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national lenders accepting applications from Colorado borrowers.
Local-First Sorting: Rate tables on city pages list institutions with physical branches in the city first, followed by statewide institutions, then national lenders — regardless of APR. This intentional ordering helps homeowners find lenders they can walk into for an in-person closing, since home equity products often involve appraisal, notarization, and other steps that benefit from a local relationship.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update home equity rates daily. Because HELOC rates move with the prime rate and the broader market, every product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Home equity is the share of a property the owner truly owns: the home's current market value minus the balance still owed on the mortgage. For a Lakewood, Colorado homeowner, it grows as the mortgage is paid down and as the property appreciates. Lenders let homeowners borrow against this equity, using the home as collateral, which is why home equity products generally carry lower rates than credit cards or unsecured personal loans.
A home equity loan advances a lump sum at a fixed rate, repaid in equal installments over a set term, useful for a one-time expense with a known cost. For example, Credit Union Of Colorado is listing its Home Equity Wall Street Journal Prime Rate at 6.75%. A home equity line of credit (HELOC) works more like a credit card: a revolving credit limit the borrower can draw from as needed during a draw period, usually at a variable rate. On the line-of-credit side, First Interstate Bank is listing its Home Equity HELOC Special Offer at 5.24%. For Lakewood, Colorado borrowers, a loan offers payment certainty, while a HELOC offers flexibility for ongoing or uncertain costs.
Most lenders allow borrowing up to a combined loan-to-value ratio of 80 to 85 percent, meaning the mortgage balance plus the new home equity debt cannot exceed that share of the home's value. For a Lakewood, Colorado homeowner, the exact amount available also depends on credit score, income, and the lender's policies. Because the borrowing limit is tied to current value, an appraisal is typically part of the approval process.
HELOC rates are usually variable and tied to the prime rate, so they move when the Federal Reserve changes short-term rates, while home equity loan rates are typically fixed and priced off longer-term benchmarks. On top of that market baseline, the rate a Lakewood, Colorado borrower receives reflects credit score, combined loan-to-value ratio, and loan amount, so stronger credit and more equity generally earn a lower rate. A borrower’s final rate is set once an application is underwritten.
Because the home secures the debt, falling behind on payments can ultimately put the property at risk, so home equity borrowing is best reserved for purposes that preserve or build value, such as renovations or consolidating higher-rate debt. For Lakewood, Colorado borrowers, variable-rate HELOCs also carry the risk that payments rise if rates climb, and some lines shift from interest-only payments to full repayment after the draw period ends. Understanding the repayment structure before borrowing helps avoid payment shock later.