Our analysis of 2025 HMDA data. Rates are medians on loans actually opened.
Why HELOCs were denied in Boulder, CO
First reason lenders gave, share of denials with a reason reported.
Denial rate by debt-to-income
Boulder, CO HELOC applications, 2025.
| Debt-to-income | Decisions | Denied |
|---|---|---|
| Under 20% | 133 | 31% |
| 20% to 29% | 272 | 14% |
| 30% to 35% | 271 | 10% |
| 36% to 42% | 368 | 10% |
| 43% to 49% | 448 | 15% |
| 50% to 60% | 189 | 38% |
| Over 60% | 245 | 88% |
If you were denied a HELOC in Boulder, CO
1 of the six major home equity investment providers list Colorado as a service area: Point. See which could fit you.
Compare a HELOC, home equity loan, cash-out refinance, and home equity investment side by side, with your own approval odds, in the home equity options tool. A HELOC like the typical 2025 loan here would start around 7.37% at today’s prime rate.
State rules: Colorado.
Other metro areas in Colorado
Denver, CO (32%) · Colorado Springs, CO (26%) · Greeley, CO (31%) · Fort Collins, CO (25%) · Grand Junction, CO (30%) · Pueblo, CO (30%) · All 358 metro areas
Questions
What is the HELOC denial rate in Boulder, CO?
Lenders denied 26.3% of the 1,942 HELOC applications they decided in the Boulder, CO metro area in 2025, below the national rate of 32.9%, according to federal HMDA data.
Why do HELOCs get denied in Boulder, CO?
The most common first reason lenders gave was debt-to-income ratio (55% of denials with a reason reported).
What is a typical HELOC rate in Boulder, CO?
The median starting rate on HELOCs opened in the Boulder, CO area in 2025 was 7.74%. HELOC rates move with the prime rate, which has changed by -0.37 points since, so a similar loan today would start around 7.37%. Your rate depends on your credit, equity, and lender.
Source: FFIEC / CFPB HMDA data, 2025, second-lien HELOCs and home equity loans with a credit decision, by the metro area HMDA assigns. Metro names: U.S. Census Bureau. Free to use with attribution (CC BY 4.0). Methodology: HELOC denial data.
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