Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of Oct. 12, 2005

*--* Latest week One week Six months previous previous Rates for loans up to $359,649 30-year fixed 5.66%/1.45 pt. 5.58%/1.39 pt. 5.58%/1.50 pt. 30-year ARM start rate 3.05%/0.89 pt. 3.65%/0.71 pt. 3.43%/0.59 pt. 15-year fixed 5.25%/1.35 pt. 5.17%/1.34 pt. 5.21%/1.53 pt.

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*--* Rates for loans of $359,650 and above 30-year fixed 5.90%/1.35 pt. 5.83%/1.31 pt. 5.83%/1.38 pt. 30-year ARM start rate 3.08%/0.78 pt. 3.71%/0.61 pt. 3.44%/0.58 pt. 15-year fixed 5.51%/1.28 pt. 5.51%/1.21 pt. 5.46%/1.36 pt. FHA or VA mortgage 6.16%/0.56 pt. 6.16%/0.56 pt. 6.13%/0.67 pt. Average / points CALVET 30-year 5.50%/0.00 pt. 5.50%/0.00 pt. 5.50%/0.00 pt. 6-month LIBOR 4.530% 4.180% 3.400% 1-year Treasury bill 4.080% 3.970% 3.330% 6-month Treasury bill 4.010% 3.890% 3.130% 6-month CD 4.230% 4.170% 3.330% Prime rate 6.750% 6.750% 5.750%

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*--* 11th District cost-of-funds Aug. ’05 July ’05 Feb. ’05 2.870% 2.757% 2.317%

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Compiled by National Financial News Services