Cobalt Credit Union in Nebraska vs the state
7.5%Denial rate-5.08 pts vs state
8.2%Decision denial rate-6.93 pts vs state
82.9%Origination rate+15.66 pts vs state
6.99%Median rate+0.37 pts vs state
0.32Rate spread (pts)+0.10 pts vs state
$106kMedian applicant income
423Loans originated
38Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 661 | 463 | 18.2% | 7.00% | #17 |
| 2024 | 715 | 424 | 14.6% | 7.24% | #17 |
| 2025 | 510 | 423 | 7.5% | 6.99% | #33 |
What Cobalt Credit Union lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most Cobalt Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 221 | 174 | 21 | 9.5% |
| Sarpy County | 184 | 157 | 10 | 5.4% |
| Cass County | 35 | 33 | 2 | 5.7% |
| Lancaster County | 17 | 14 | 1 | 5.9% |
| Washington County | 16 | 14 | 0 | 0.0% |
| Dodge County | 8 | 7 | 1 | 12.5% |
| Platte County | 5 | 3 | 1 | 20.0% |
| Otoe County | 5 | 4 | 0 | 0.0% |
| Saunders County | 5 | 4 | 1 | 20.0% |
| Nemaha County | 3 | 2 | 1 | 33.3% |
Other large lenders in Nebraska
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 3,384 | 17.6% | 6.75% |
| Pinnacle Bank | B | 3,371 | 4.3% | 6.95% |
| First National Bank of Omaha | C | 2,902 | 19.6% | 7.00% |
| Charter West Bank | C | 2,258 | 6.6% | 6.50% |
| U.S. Bank | D | 2,163 | 32.9% | 6.99% |
| Veridian Credit Union | B | 2,051 | 9.8% | 6.49% |
| West Gate Bank | A | 2,040 | 5.0% | 6.50% |
| Centris | B | 2,002 | 16.3% | 6.25% |
| Union Bank and Trust | B | 1,835 | 10.0% | 6.50% |
| Mortgage Research Center | C | 1,651 | 12.5% | 6.25% |
Frequently asked questions
Nebraska: 510 applications in 2025, of which 423 were originated and 38 denied.
7.5% of all applications, or 8.2% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans Cobalt Credit Union originated in Nebraska in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Cobalt Credit Union's own HMDA filing for properties located in Nebraska, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology