Average mortgage rates and indexes

Compiled by National Financial News Services

*--* Latest week One week previous Six months previous Rates for loans up to $359,650 30-year fixed 5.53%/1.76 pt. 5.56%/1.56 pt. 5.40%/1.45 pt. 30-year ARM 3.39%/0.66 pt. 3.37%/0.66 pt. 3.02%/0.70 pt. start rate 15-year fixed 5.13%/1.74 pt. 5.14%/1.49 pt. 4.79%/1.40 pt. Rates for loans over $359,650 30-year fixed 5.78%/1.68 pt. 5.79%/1.50 pt. 5.70%/1.49 pt. 30-year ARM 3.40%/0.65 pt. 3.38%/0.65 pt. 3.09%/0.70 pt. start rate 15-year fixed 5.36%/1.69 pt. 5.42%/1.43 pt. 5.15%/1.35 pt. FHA or VA mortgage Average/points 6.13%/0.67 pt. 6.13%/0.67 pt. 6.19%/0.60 pt. CALVET 30-year 5.50%/0.00 pt. 5.50%/0.00 pt. 5.50%/0.00 pt. 6-month LIBOR 3.310% 3.270% 2.080% 1-year 3.310% 3.240% 2.090% Treasury bill 6-month 3.100% 3.040% 1.880% Treasury bill 6-month CD 3.240% 3.170% 2.010% Prime rate 5.500% 5.500% 4.500% 11th District Jan. ’05 Dec. ’04 July ’04 cost-of-funds 2.183% 2.118% 1.816%

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