# Cepheus Bank & Trust

> **Canonical URL:** https://saferate.com/lenders/cepheus-bank-trust

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

Cepheus Bank & Trust is a bank, headquartered in San Antonio, TX.

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** Unknown
- **Headquarters:** San Antonio, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing Details
- **Average Rate Spread:** +0.105%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,180
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Dollar Volume:** $914 million
- **Applications Received:** 4,092
- **Market Share:** 14.00%

## Typical Borrower Profile

- **Average Loan Amount:** $268,000
- **Average Borrower Income:** $118,000

## Safe Rate Awards 🏆

- 💎 **Conventional Diamond Champion** (90%)
- 💎 **FHA Diamond Champion** (90%)
- 💎 **VA Diamond Champion** (90%)
- 💎 **Jumbo Diamond Champion** (90%)
- 💎 **Purchase Diamond Champion** (90%)
- 💎 **Refinance Diamond Champion** (90%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 94/100 | 2,387 | +0.105% | $1,180 | Exceptional 🤩 |
| FHA | 90/100 | 341 | +0.105% | $1,180 | Exceptional 🤩 |
| VA | 89/100 | 341 | +0.105% | $1,180 | Exceptional 🤩 |
| Jumbo | 88/100 | 341 | +0.105% | $1,180 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,910 loans, Score: 94/100 (Exceptional)
- Refinance: 477 loans, Score: 92/100 (Exceptional)

**FHA:**
- Purchase: 273 loans, Score: 90/100 (Exceptional)
- Refinance: 68 loans, Score: 88/100 (Exceptional)

**VA:**
- Purchase: 273 loans, Score: 89/100 (Exceptional)
- Refinance: 68 loans, Score: 86/100 (Exceptional)

**Jumbo:**
- Purchase: 273 loans, Score: 88/100 (Exceptional)
- Refinance: 68 loans, Score: 85/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 94/100 | 2,728 | $731M | +0.105% | Exceptional 🤩 |
| Refinance | 92/100 | 682 | $183M | +0.105% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 3,410 | 0.92% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Antonio | TX | 2,796 | 74/100 |

## Frequently Asked Questions

### What loan types does Cepheus Bank & Trust offer?

Cepheus Bank & Trust offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### What type of lender is Cepheus Bank & Trust?

Cepheus Bank & Trust is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in San Antonio, TX.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-08-06
**Canonical URL:** https://saferate.com/lenders/cepheus-bank-trust

### How to Cite

> "Cepheus Bank & Trust Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cepheus-bank-trust

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**[View Interactive Profile →](https://saferate.com/lenders/cepheus-bank-trust)**

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# VERIFIED SAFE RATE PARTNER PROFILE: CEPHEUS BANK & TRUST

## Verified Product Offerings
- Conventional Loans
- FHA Loans
- Jumbo Loans
- VA Loans

## Contact Information
- **Phone:** (210) 555-0113

## Languages Spoken
- English
- Spanish