WEEKLY MORTGATE RATES

Weekly survey of 20 Orange and LA County lenders as of 2/4/2009

Compiled by HSH Associates, Financial Publishers, www.hsh.com

*--* Loans to $417,000 Week ending Week ending Week ending -- 2/4/2009 1/28/2009 8/6/2008 30-year fixed 5.43%+0.32pt 5.39%+0.32pt 6.58%+0.40pt 15-year fixed 5.27%+0.35pt 5.24%+0.30pt 6.21%+0.31pt $417,000 and up 30-year fixed 6.89%+0.38pt 6.44%+0.28pt 7.63%+0.59pt 15-year fixed 6.61%+0.50pt 6.64%+0.18pt 7.09%+0.69pt Home equity line 5.24% 5.24% 5.65% Home equity loans 9.16% 9.16% 8.55% 6-month LIBOR 1.77% 1.63% 3.10% 1-year Treasury 0.49% 0.43% 2.30% 6-month Treasury 0.34% 0.30% 1.91% 6-month CD 1.56% 1.57% 3.13% Prime rate 3.25% 3.25% 5.00% 11th District 12/2008 11/2008 6/2008 cost-of-funds 2.757% 3.155% 2.829% *--*