Your complete local credit guide for Lakewood, Colorado. Find credit repair companies, compare lenders, understand Colorado lending laws, and access local financial resources.
155,984
Population
472
Listed Companies
Use this guide as a local starting point: compare provider categories, check Colorado lending rules, read consumer-finance answers, and use CreditDoc tools before contacting a company.
Lakewood, Colorado, with a population nearing 156,000, is a vibrant city nestled just west of Denver. Its financial landscape reflects both the opportunities and challenges of living in the Front Range. The cost of living in Lakewood is slightly above the national average, driven by rising housing costs in neighborhoods like Green Mountain and Belmar. While areas such as Applewood and Solterra boast higher median incomes and easier access to credit, residents in neighborhoods like Eiber may face more hurdles in securing affordable loans or building strong credit profiles.
Lakewood’s economy is anchored by major employers such as the Jefferson County government, St. Anthony Hospital, and the Denver Federal Center. These institutions provide stable jobs, but many residents also commute to Denver, further diversifying household incomes. The city’s median household income of $87,598 is on par with the state average, supporting a generally healthy credit environment—Colorado’s average credit score stands at 725, among the highest in the nation.
Banking access is robust, with 34 FDIC-insured locations across the city. The LAKEWOOD BRANCH leads with seven branches, followed by BELMAR BRANCH with four, ensuring that most neighborhoods have convenient access to traditional banking services. However, disparities remain: residents in the West Colfax corridor may rely more on alternative financial services due to fewer nearby branches and lower average credit scores.
Colorado’s consumer protection laws are strong. Payday loans are restricted, with a 36% APR cap, and consumer loans are capped at 12% APR under state usury statutes. The Colorado Attorney General’s Consumer Protection Section actively enforces these laws, providing a safety net for Lakewood residents. While credit repair companies are not specifically regulated by state statute, consumers should still exercise caution and verify credentials.
For those looking to start or grow a business, Colorado’s SBA lending is robust—over 9,800 loans totaling $6 billion statewide. Local entrepreneurs can access resources through the Denver Metro Small Business Development Center and the Jefferson County SCORE chapter, both serving Lakewood. Whether you’re seeking to improve your credit, secure a loan, or protect yourself from predatory practices, Lakewood offers a wealth of resources and a supportive financial ecosystem.
Lakewood does not have state-specific credit repair statutes, but residents should choose companies that comply with the federal Credit Repair Organizations Act. For vetted options, see our list of the best credit repair companies serving Lakewood. Always check for complaints with the Colorado Attorney General’s Consumer Protection Section before signing up.
Start by checking your credit report for errors and paying bills on time. Consider secured credit cards from local credit unions. The Jefferson County Housing Authority offers free credit counseling. For more options, see our guide to the best secured credit cards.
Yes, Lakewood businesses can access SBA loans through the Colorado District Office and local lenders. The Denver Metro SBDC and Jefferson County SCORE chapter offer free application assistance. Explore the best SBA loans for Lakewood entrepreneurs.
Lakewood residents can consolidate debt through local credit unions or personal loan lenders. Compare rates and terms with our list of the best debt relief companies. Colorado law caps consumer loan APRs at 12% under the usury statute (C.R.S. § 5-2-201).
Credit Union of Colorado and Westerra Credit Union both have Lakewood branches and offer secured credit cards and credit-builder loans. Compare their offerings with our picks for the best secured credit cards.
Payday loans are restricted in Colorado, with a 36% APR cap and strict rollover limits (per 2018 ballot measure). Consider local credit unions or community lenders for small-dollar loans. See our guide to the best personal loan lenders in Lakewood.
Report suspected identity theft to the Colorado Attorney General’s Consumer Protection Section and request a free credit freeze. The Jefferson County Legal Aid Society can assist with legal steps. For more tips, see our credit repair resources.
Interest Rate Cap
36% APR cap on payday loans (2018 ballot measure); 12% for consumer loans under usury statute
Payday Lending
Restricted in Colorado
Credit Repair Regulations
Colorado Credit Services Organization Act (C.R.S. § 5-19-101 et seq.). Upfront fees prohibited. 3-day cancellation period. $$25,000 bond required.
Consumer Rights
Colorado voters approved Proposition 111 in 2018, capping payday loan APR at 36% and requiring minimum 6-month terms. The Uniform Consumer Credit Code provides comprehensive consumer protections for all credit transactions. Consumers can file complaints with the Attorney General or the Division of Banking.
Colorado District Office – U.S. Small Business Administration
721 19th St, Suite 426, Denver, CO 80202
303-844-2607
Colorado Attorney General Consumer Protection Section
Phone: 720-508-6000
https://coag.gov/office-sections/consumer-protection/
File complaints online at the Colorado Attorney General’s website or call 720-508-6000 for assistance.
Mortgage lender records by reported application outcome for applicants in Lakewood, Colorado. Based on 2025 federal HMDA filings.
| Lender | Approval Rate | Low-Income Rate | Applications |
|---|---|---|---|
| CrossCountry Mortgage, LLC | 97.6% | 89.7% | 1,805 |
| Plains Commerce Bank | 97.4% | 75% | 273 |
| The Central Trust Bank | 96.4% | 90.3% | 499 |
| High Country Bank | 96.3% | 76.9% | 216 |
| Sunflower Bank, National Association | 95.9% | 100% | 145 |
| Northpointe Bank | 95.5% | 92% | 794 |
| Cornerstone Capital Bank, Ssb | 95.4% | 95.2% | 627 |
| First Western Trust Bank | 94.6% | 100% | 464 |
| Gateway First Bank | 93.2% | 100% | 161 |
| Bank of England | 93% | 100% | 228 |
Source: CFPB Home Mortgage Disclosure Act (HMDA), 2023. Low-income = applicant income under $50K. Minimum 100 applications in CO.
| Provider | Rating | Category | Services |
|---|---|---|---|
| Snap Loans Cash | — | Personal Loans | 12 |
| Ideal Lending Solutions | — | Mortgages & Home Loans | 10 |
| Mountain West CU Associates | — | Banks | 12 |
| Low Cost Mortgage | — | Personal Loans | 12 |
| SMALL BUSINESS LOANS DENVER | — | Business Loans | 11 |
Online personal loan marketplace connecting borrowers to lender claims to verify offering $100–$30,000 loans with listed funding timing, including options for bad credit.
Profile signals: Borrowers with bad credit or bankruptcy history seeking $1,000–$5,000 in personal loans, Self-employed or gig-economy workers with irregular income who have at least 90 days of employment history
Ideal Home Loans is a mortgage lender operating in Colorado and Arizona offering online purchase and refinance loans with 24/7 application status tracking.
Profile signals: First-time homebuyers in Colorado or Arizona seeking online convenience, Homeowners in served markets looking to refinance without in-person meetings
GoWest Association (formerly Mountain West CU Associates) is a six-state trade organization and advocacy body serving over 300 credit unions and 17.4 million members across the western United States.
Profile signals: Credit union boards and executive leadership seeking professional development and peer networks, Credit union compliance and operations teams needing advocacy support and regulatory guidance
Colorado Springs mortgage lender offering VA, FHA, USDA, and conventional home loans with no lender origination fees. Branch of Mann Mortgage LLC, licensed in 8 states.
Profile signals: Veterans and active-duty military seeking VA loans from a fellow veteran with hands-on VA loan experience context, Fee-conscious home buyers in CO, FL, ID, NC, TN, TX, WA, or WY wanting to reduce lender-side closing costs
CSI Financial division offering small business loans from $100K–$5M to Denver-area B2B companies in manufacturing, wholesale, and distribution with flexible underwriting.
Profile signals: Established B2B manufacturing, wholesale, and distribution companies in Colorado with $1M–$50M annual revenue needing growth or working capital, Profitable businesses with strong cash flow but limited traditional collateral or equity that banks have rejected
Credit repair company offering dispute services and credit analysis for Aurora residents. Provides guidance context on removing inaccurate negative items from credit reports.
Profile signals: Aurora residents with multiple errors or inaccurate items on credit reports, Consumers overwhelmed by DIY dispute process who prefer professional guidance
Western Union is a global money transfer service enabling customers to send and receive funds internationally and domestically with competitive exchange rates and low fees.
Profile signals: International remittance senders needing to support family or businesses overseas, Customers transferring funds to Mexico, Philippines, Guatemala, India, Colombia, and other major corridors
Western Union is a global money transfer service enabling customers to send and receive money internationally and domestically with competitive exchange rates and low fees.
Profile signals: International remittance senders supporting family members in Latin America, Asia, or Africa, Individuals without access to traditional banking services needing reliable money transfer infrastructure
Sterling Federal Credit Union is a member-owned financial institution offering savings accounts, loans, and digital banking services to individuals and small businesses.
Profile signals: Members seeking competitive auto loan rates with straightforward digital banking, Small business owners needing invoicing tools and business debit card rewards programs
Review this provider profile and compare source-linked details before choosing what to do next.
Profile signals: Denver-based small business owners seeking government-backed financing, Minority-owned or disadvantaged entrepreneurs in the Denver area
PlanBLoan is a loan marketplace that connects borrowers to lenders offering personal loans up to $5,000. The platform handles applications but does not originate or fund loans itself.
Profile signals: Borrowers seeking quick loan matching without direct lender contact or lengthy applications, Consumers with fair-to-good credit seeking personal loans under $5,000 for immediate needs
Fellowship Credit Union is a not-for-profit, member-owned financial institution serving 32 Colorado counties since 1959, offering savings, checking, loans, credit cards, and mortgages with federally-insured deposits.
Profile signals: Residents or employees in the 32-county service area of south-central and eastern Colorado seeking traditional banking services, Members interested in community-focused credit union philosophy with local decision-making and Education Foundation support
Jefferson County Housing Authority
7490 W 45th Ave, Wheat Ridge, CO 80033
303-989-5869
https://www.jcha.org/Denver Metro Small Business Development Center
1445 Market St, Denver, CO 80202
303-620-8076
https://www.denversbdc.org/Jefferson County Legal Aid Society
100 Jefferson County Pkwy, Golden, CO 80419
303-237-0230
https://www.coloradolegalservices.org/SCORE Denver
2590 Walnut St, Denver, CO 80205
303-927-3480
https://denver.score.org/Research-led guides to help consumers in Lakewood, CO understand credit habits, debt decisions, and financial planning basics.
Answers to common financial questions relevant to consumers in Lakewood, CO.