Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of Dec. 14, 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 5.93%/1.56pt 5.99%/1.36pt 5.17%/1.61pt 30-year ARM start 3.03%/0.38pt 3.03%/0.38pt 2.41%/0.41pt rate 15-year fixed 5.54%/1.53pt 5.58%/1.56pt 4.81%/1.43pt Rates for loans of $359,650 and above 30-year fixed 6.18%/1.47pt 6.25%/1.43pt 5.50%/1.64pt 30-year ARM start 3.06%/0.43pt 3.06%/0.43pt 2.44%/0.41pt rate 15-year fixed 5.82%/1.40pt 5.85%/1.44pt 5.15%/1.58pt FHA or VA mortgage 6.25%/0.73pt 6.25%/0.73pt 6.04%/0.56pt Average / points CALVET 30-year 5.50%/0.00pt 5.50%/0.00pt 5.50%/0.00pt 6-month LIBOR 4.650% 4.580% 3.620% 1-year Treasury 4.350% 4.340% 3.300% bill 6-month Treasury 4.310% 4.310% 3.140% bill 6-month CD 4.610% 4.570% 3.500% Prime rate 7.000% 7.000% 6.000% 11th District Oct. ’05 Sept. ’05 April ’05 cost-of-funds 3.074% 2.972% 2.515%

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