HEI Facts.com

State

Home equity investments in Colorado

1 of the six major home equity investment providers operates in Colorado. Colorado has no HEI-specific law in effect yet, but we've confirmed related state activity below.

Providers operating in Colorado

1 of the six major providers says it operates in Colorado. Availability can vary by county.

  • Pointup to 30-year term · cost cap 18% a year · about 14.3% a year in our standard example

Provider lists come from each provider's own availability page. All states.

See how these providers' costs change with home prices in the 2026 study.

Laws, rules, and reports

We found no HEI-specific law, regulation, or state report in Colorado. General state lending and consumer protection laws still apply.

Enforcement and court cases

ColoradoEnforcementSettledAnnounced June 24, 2026

Colorado attorney general settlement with Unlock

The attorney general determined that Unlock's home equity agreements are consumer credit transactions under Colorado law.

  • Unlock must comply with Colorado's Uniform Consumer Credit Code, including the Consumer Equity Protection Act, its rate limits, and its required disclosures.
  • Unlock must obtain all required Colorado licenses before resuming operations there.
  • As of the announcement, Unlock had identified $283,375 in restitution owed to 125 Colorado consumers, a figure the office expected to grow as more agreements close.

Sources: Colorado Attorney General press release · Assurance of discontinuance (PDF)

Bills

We found no pending HEI bill in Colorado.

HELOC denials in Colorado

In 2025, lenders denied 30.4% of the 42,021 HELOC applications they decided in Colorado (national: 32.9%). Most common first reason: debt-to-income ratio. See the full HELOC denial data.

HELOCs by metro area in Colorado

Denver, CO (32% denied) · Colorado Springs, CO (26% denied) · Greeley, CO (31% denied) · Fort Collins, CO (25% denied) · Boulder, CO (26% denied) · Grand Junction, CO (30% denied) · Pueblo, CO (30% denied)

See reasons and rates for each metro area.

Federal activity

2 federal items pending that would apply in every state: Home Equity Lending Integrity Act (S. 4803), Shared Home Appreciation for Residential Equity Act (H.R. 8116).

Before you sign in Colorado

  1. Check the company's license at NMLS Consumer Access.
  2. Ask for the settlement amount at 0%, 4%, and 8% yearly appreciation, and for when you might settle.
  3. Convert each offer to an effective yearly cost and compare it with a HELOC or home equity loan.

Reference information, not legal advice. Know of something we're missing in Colorado? Tell us.