Cobalt Credit Union
Cobalt Credit Union received 580 applications in 2025 and made 484 mortgages, in 27 counties across 2 states. The median rate its borrowers got was 6.990% on a median loan of $105,000. Of 530 decisions, 44 were denials — 8.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300XUFWU3F35PWM42 |
|---|---|
| Applications received | 580 |
| Mortgages made | 484 |
| Denied | 44 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 50 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.32 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 68 | 6.750% | $210,000 | 5.5% |
| Refinancing | 211 | 7.240% | $75,000 | 5.0% |
| Cash-out refinancing | 12 | 6.933% | $180,000 | 45.5% |
| Other purposes | 193 | 6.750% | $95,000 | 8.9% |
Where Cobalt Credit Union lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Douglas County, NE | 174 | 6.990% | 10.8% |
| Sarpy County, NE | 157 | 6.990% | 5.9% |
| Pottawattamie County, IA | 42 | 7.245% | 6.7% |
| Cass County, NE | 33 | 6.875% | 5.7% |
| Lancaster County, NE | 14 | 7.120% | 6.7% |
| Washington County, NE | 14 | 6.683% | 0.0% |
| Crawford County, IA | 9 | Under 10 loans | 10.0% |
| Dodge County, NE | 7 | Under 10 loans | 12.5% |
| Mills County, IA | 4 | Under 10 loans | 0.0% |
| Otoe County, NE | 4 | Under 10 loans | 0.0% |
| Saunders County, NE | 4 | Under 10 loans | 20.0% |
| Harrison County, IA | 3 | Under 10 loans | 40.0% |
| Platte County, NE | 3 | Under 10 loans | 25.0% |
| Burt County, NE | 2 | Under 10 loans | 0.0% |
| Nemaha County, NE | 2 | Under 10 loans | 33.3% |
| Cass County, IA | 1 | Under 10 loans | 0.0% |
| Montgomery County, IA | 1 | Under 10 loans | 0.0% |
| Shelby County, IA | 1 | Under 10 loans | 0.0% |
| Antelope County, NE | 1 | Under 10 loans | 0.0% |
| Colfax County, NE | 1 | Under 10 loans | 0.0% |
| Howard County, NE | 1 | Under 10 loans | 0.0% |
| Pierce County, NE | 1 | Under 10 loans | 0.0% |
| Red Willow County, NE | 1 | Under 10 loans | 0.0% |
| Richardson County, NE | 1 | Under 10 loans | 0.0% |
| Saline County, NE | 1 | Under 10 loans | 0.0% |
| Thurston County, NE | 1 | Under 10 loans | 0.0% |
| York County, NE | 1 | Under 10 loans | 0.0% |
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When Cobalt Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.