What loan types does Cobalt Credit Union offer?

Cobalt Credit Union offers the following mortgage loan types: Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Cobalt Credit Union offer mortgages?

Cobalt Credit Union offers mortgages in 2 states: IA, NE.

How competitive are Cobalt Credit Union's mortgage rates?

Cobalt Credit Union has an overall pricing score of 84.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Cobalt Credit Union?

Cobalt Credit Union is a Credit Union headquartered in Papillion, NE.

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Cobalt Credit Union

Credit Union•Papillion, NEHQ•Direct•Reviews near you on Google

Cobalt Credit Union has 104 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Sound

3/5

Conventional · VA

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Cobalt Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

+7.8 bps above market avg

5/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

85 loans · 0.19% above market

Acceptable

Bottom 40% of lenders

2/5

14 loans · 0.57% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

84 loans · 0.14% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

20 loans · 0.16% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Strong	Acceptable	85	81.7%	+0.191%Above	$653Fees
VA Loans	Sound	Sound	—	—	14	13.5%	-0.575%Below	$302Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume85

Mix81.7%

Spread

+0.191%Above

Fees

$653Fees

VA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume14

Mix13.5%

Spread

-0.575%Below

Fees

$302Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Exceptional	Acceptable	84	80.8%	+0.141%Above	$596Fees
Refinance	Sound	Acceptable	—	Sound	20	19.2%	-0.158%Below	$435Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Acceptable

Volume84

Mix80.8%

Spread

+0.141%Above

Fees

$596Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Sound

Volume20

Mix19.2%

Spread

-0.158%Below

Fees

$435Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

104

Applications

241

Volume

$23 million

Pricing & Closing

Avg Rate Spread

+0.078%

vs. market APOR

Avg Net Fees

$562

Origination − Credits

Pullthrough Rate

43.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$230,577

Avg Borrower Income

$112,519

Avg Property Value

$293,750

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 1010+None

Midwest2

IANE

Top Metro Areas by Place Specialization Score

Omaha, NE, NE-IAMetro

Volume 96Mix 92.31% of portfolio

77/100

Strong

Top States by Place Specialization Score

NebraskaState

Volume 90Mix 86.54% of portfolio

72/100

Strong

IowaState

Volume 14Mix 13.46% of portfolio

48/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.