Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of April 5, 2006

Compiled by National Financial News Services

*--* Latest week One week Six months previous previous Rates for loans up to $416,999 30-year fixed 6.10%/1.53pt 6.04%/1.59pt 5.51%/1.41pt 30-year ARM 2.68%/0.66pt 3.16%/0.52pt 3.65%/0.71pt start rate 15-year fixed 6.03%/1.69pt 5.72%/1.51pt 5.13%/1.31pt Rates for loans of $417,000 and above 30-year fixed 6.32%/1.48pt 6.26%/1.49pt 5.76%/1.26pt 30-year ARM 2.79%/0.80pt 3.27%/1.51pt 3.71%/0.61pt start rate 15-year fixed 6.08%/1.55pt .06%/1.48pt 5.41%/1.23pt FHA or VA mortgage 6.41%/0.70pt 6.41%/0.70pt 6.14%/0.52pt Average / points CALVET 30-year 6.00%/0.00pt 6.00%/0.00pt 5.50%/0.00pt 6-month LIBOR 5.070% 5.050% 4.180% 1-year Treasury 4.820% 4.770% 3.970% bill 6-month 4.820% 4.800% 3.890% Treasury bill 6-month CD 5.070% 5.020% 4.170% Prime rate 7.750% 7.500% 6.750%

11th District Feb.’06 Jan.’06 Aug.’05 cost-of-funds 3.604% 3.347% 2.870%

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