Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of March 29, 2006

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*--* Latest week One week Six months previous previous Rates for loans up to $416,999 30-year fixed 6.04%/1.59 pt 5.98%/1.60 pt 5.43%/1.48 pt 30-year ARM 3.16%/0.52 pt 3.15%/0.52 pt 3.64%/0.59 pt start rate 15-year fixed 5.72%/1.51 pt 5.64%/1.61 pt 5.05%/1.25 pt Rates for loans of $417,000 and above 30-year fixed 6.26%/1.49 pt 6.25%/1.51 pt 5.69%/1.33 pt 30-year ARM 3.27%/1.51 pt 3.26%/0.67 pt 3.76%/0.50 pt start rate 15-year fixed 6.06%/1.48 pt 5.99%/1.64 pt 5.33%/1.30 pt FHA or VA mortgage 6.41%/0.70 pt 6.41%/0.70 pt 6.14%/0.52 pt Average / points CALVET 30-year 6.00%/0.00 pt 6.00%/0.00 pt 5.50%/0.00 pt 6-month LIBOR 5.050% 5.070% 4.060% 1-year 4.770% 4.760% 3.880% Treasury bill 6-month 4.800% 4.800% 3.840% Treasury bill 6-month CD 5.020% 5.020% 4.020% Prime rate 7.750% 7.500% 6.750%

11th District Jan. ’06 Dec. ’05 July ’05 cost-of-funds 3.347% 3.296% 2.757%

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Compiled by National Financial News Services