Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of Nov. 9, 2005

Compiled by National Financial News Services

*--* Latest week One week Six months previous previous Rates for loans up to $359,649 30-year fixed 5.86%/1.60pt 5.88%/1.44pt 5.49%/1.31pt 30-year ARM 3.31%/1.00pt 3.17%/1.00pt 3.00%/0.41pt start rate 15-year fixed 5.44%/1.61pt 5.45%/1.40pt 5.06%/1.29pt Rates for loans of $359,650 and above 30-year fixed 6.06%/1.58pt 6.10%/1.36pt 5.79%/1.28pt 30-year ARM 3.44%/0.86pt 3.21%/0.88pt 3.03%/0.41pt start rate 15-year fixed 5.68%/1.50pt 5.71%/1.29pt 5.33%/1.32pt FHA or VA mortgage 6.36%/0.73pt 6.36%/0.73pt 6.13%/0.67pt Average / points CALVET 30-year 5.50%/0.00pt 5.50%/0.00pt 5.50%/0.00pt 6-month LIBOR 4.720% 4.360% 3.490% 1-yr Treasury bill 4.320% 4.260% 3.330% 6-mo Treasury bill 4.260% 4.210% 3.180% 6-mo CD 4.460% 4.380% 3.390% Prime rate 7.000% 6.750% 6.000% 11th District Sept. ’05 Aug. ’05 March ’05 cost-of-funds 2.972% 2.870% 2.400%

*--*