Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of Nov. 23, 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 5.88%/1.43pt 5.85%/1.64pt 5.50%/1.21pt 30-year ARM 3.01%/0.38pt 3.31%/0.63pt 2.89%/0.52pt start rate 15-year fixed 5.46%/1.64pt 5.41%/1.64pt 5.04%/1.21pt Rates for loans of $359,650 and above 30-year fixed 6.15%/1.50pt 6.10%/1.54pt 5.78%/1.26pt 30-year ARM 3.05%/0.43pt 3.44%/0.43pt 2.93%/0.52pt start rate 15-year fixed 5.76%/1.42pt 5.74%/1.49pt 5.36%/1.28pt FHA or VA mortg. 6.36%/0.73pt 6.36%/0.73pt 6.05%/0.56pt Average / points CALVET 30-year 5.50%/0.00pt 5.50%/0.00pt 5.50%/0.00pt 6-mo. LIBOR 4.570% 4.530% 3.520% 1-yr Treasury bill 4.360% 4.350% 3.320% 6-mo. Treasury 4.320% 4.310% 3.160% bill 6-month CD 4.530% 4.500% 3.440% Prime rate 7.000% 7.000% 6.000% 11th District Sept. ’05 Aug. ’05 March ’05 cost-of-funds 2.972% 2.870% 2.400%

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