Blue colored heat treatable coated article having low solar factor value

A coated article having blue glass side reflective coloration and including a layer system supported by a glass substrate, the layer system comprising:

• a first dielectric layer comprising silicon nitride;
• a first infrared (IR) reflecting layer comprising NbZr on the glass substrate over at least the first dielectric layer comprising silicon nitride;
• a second dielectric layer comprising silicon nitride on the glass substrate over at least the first dielectric layer comprising silicon nitride and the first IR reflecting layer comprising NbZr;
• a second layer IR reflecting layer comprising NbZr on the glass substrate over at least the second dielectric layer comprising silicon nitride;
• wherein the second dielectric layer comprising silicon nitride is located directly between and contacting the first and second IR reflecting layers comprising NbZr;
• a third dielectric layer comprising silicon nitride on the glass substrate over at least the second IR reflecting layer comprising NbZr;
• wherein the coated article contains no metallic infrared (IR) reflecting layer based on Ag and/or Au, and wherein the IR reflecting layers do not physically contact any other metallic or substantially metallic layer;
• and
• wherein the coated article:
• has glass side visible reflectance of no greater than 18%, a film side/interior reflective a* color value of −2 to +12, glass side/exterior reflective blue coloration comprising a glass side/exterior b* color value of from −8.0 to −30.0;
• and (i) if measured monolithically has an SF value of no greater than 0.35 and an SHGC value of no greater than 0.40, and/or (ii) if an insulating glass (IG) window unit having two glass substrates has an SF value of no greater than 0.25 and an SHGC value of no greater than 0.27.