Average mortgage rates and indexes

Compiled by National Financial News Services

*--* Weekly survey of 60 Southland lenders as of Nov. 30, 2005 Latest week One week previous Six months previous Rates for loans up to $359,649 30-year fixed 5.90%/1.36pt 5.88%/1.43pt 5.44%/1.14pt 30-year ARM 3.01%/0.38pt 3.01%/0.38pt 2.89%/0.52pt start rate 15-year fixed 5.50%/1.50pt 5.46%/1.64pt 5.07%/0.99pt Rates for loans of $359,650 and above 30-year fixed 6.17%/1.51pt 6.15%/1.50pt 5.71%/1.28pt 30-year ARM 3.05%/0.43pt 3.05%/0.43pt 2.93%/0.53pt start rate 15-year fixed 5.78%/1.39pt 5.76%/1.42pt 5.33%/1.10pt FHA or VA 6.18%/0.73pt 6.36%/0.73pt 6.05%/0.56pt mortgage Average / points CALVET 30-year 5.50%/0.00pt 5.50%/0.00pt 5.50%/0.00pt 6-month LIBOR 4.590% 4.570% 2.530% 1-year Treasury 4.300% 4.360% 3.320% bill 6-month 4.270% 4.320% 3.160% Treasury bill 6-month CD 4.540% 4.530% 3.470% 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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