Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of Oct. 19, 2005

*--* Latest week One week Six months previous previous Rates for loans up to $359,649 30-year fixed 5.71%/1.45pt 5.66%/1.45pt 5.63%/1.46pt 30-year ARM start rate 3.05%/0.89pt 3.05%/0.89pt 3.12%/0.49pt 15-year fixed 5.35%/1.36pt 5.25%/1.35pt 5.21%/1.63pt

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*--* Rates for loans of $359,650 and above 30-year fixed 5.93%/1.36pt 5.90%/1.35pt 5.86%/1.31pt 30-year ARM start rate 3.08%/0.78pt 3.08%/0.78pt 3.13%/0.48pt 15-year fixed 5.56%/1.28pt 5.51%/1.28pt 5.44%/1.33pt FHA or VA mortgage Average 6.16%/0.56pt 6.16%/0.56pt 6.13%/0.67pt / points CALVET 30-year 5.50%/0.00pt 5.50%/0.00pt 5.50%/0.00pt 6-month LIBOR 4.310% 4.530% 3.280% 1-year Treasury bill 4.140% 4.080% 3.320% 6-month Treasury bill 4.090% 4.010% 3.150% 6-month CD 4.290% 4.230% 3.340% 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