Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of Dec. 6, 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 5.65%/1.55 pt 5.74%/1.55 pt 6.40%/1.30 pt 30-year ARM start rate 3.49%/0.84 pt 3.51%/0.80 pt 3.13%/0.80 pt 15-year fixed 5.38%/1.43 pt 5.44%/1.53 pt 6.01%/1.39 pt Rates for loans of $417,000 and above 30-year fixed 6.04%/1.50 pt 6.07%/1.51 pt 6.58%/1.38 pt 30-year ARM start rate 3.55%/0.95 pt 3.55%/0.95 pt 3.19%/1.09 pt 15-year fixed 5.74%/1.46 pt 5.79%/1.56 pt 6.26%/1.35 pt FHA or VA mortgage Average / points 6.46%/1.63 pt 6.61%/1.50 pt 6.60%/1.11 pt CALVET 30-year 6.50%/0.00 pt 6.50%/0.00 pt 6.25%/0.00 pt 6-month LIBOR 5.350% 5.370% 5.320% 1-year Treasury bill 4.950% 5.010% 5.030% 6-month Treasury bill 5.110% 5.150% 5.050% 6-month CD 5.300% 5.330% 5.310% Prime rate 8.250% 8.250% 8.000% 11th District cost-of-funds Oct. ’06 Sept.’06 April ’06 4.346% 4.382% 3.759%

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