Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of Dec. 21, 2005

Compiled by National Financial News Services

*--* Latest week One week previous Six months previous Rates for loans up to $359,649 30-year fixed 5.94%/1.55pt 5.93%/1.56pt 5.21%/1.58pt 30-year ARM start 3.06%/0.43pt 3.03%/0.38pt 2.41%/0.41pt rate 15-year fixed 5.51%/1.58pt 5.54%/1.53pt 4.90%/1.40pt Rates for loans of $359,650 and above 30-year fixed 6.18%/1.49pt 6.18%/1.47pt 5.56%/1.56pt 30-year ARM start 3.17%/0.38pt 3.06%/0.43pt 2.44%/0.41pt rate 15-year fixed 5.81%/1.43pt 5.82%/1.40pt 5.21%/1.42pt FHA or VA mortgage Average / points 6.25%/0.73pt 6.25%/0.73pt 6.04%/0.56pt CALVET 30-year 5.50%/0.00pt 5.50%/0.00pt 5.50%/0.00pt 6-month LIBOR 4.650% 4.650% 3.640% 1-year Treasury 4.340% 4.350% 3.390% bill 6-month Treasury 4.320% 4.310% 3.220% bill 6-month CD 4.620% 4.610% 3.550% Prime rate 7.000% 7.000% 6.000% 11th District Oct.’05 Sep.’05 Apr.’05 cost-of-funds 3.074% 2.972% 2.515%

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