Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of Dec. 13, 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 5.68%/1.42 pt 5.65%/1.55 pt 6.36%/1.35 pt 30-year ARM start rate 3.42%/0.75 pt 3.49%/0.84 pt 3.16%/0.81 pt 15-year fixed 5.38%/1.52 pt 5.38%/1.43 pt 6.03%/1.29 pt Rates for loans of $417,000 and above 30-year fixed 6.01%/1.57 pt 6.04%/1.50 pt 6.67%/1.26 pt 30-year ARM start rate 3.47%/0.83 pt 3.55%/0.95 pt 3.16%/1.20 pt 15-year fixed 5.72%/1.50 pt 5.74%/1.46 pt 6.10%/2.00 pt FHA or VA mortgage Average / points 6.46%/1.63 pt 6.46%/1.63 pt 6.72%/1.18 pt CALVET 30-year 6.50%/0.00 pt 6.50%/0.00 pt 6.25%/0.00 pt 6-month LIBOR 5.290% 5.350% 5.370% 1-year Treasury bill 4.900% 4.950% 5.040% 6-month Treasury bill 5.050% 5.110% 5.060% 6-month CD 5.270% 5.300% 5.340% 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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