Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of June 7, 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 6.34%/1.35 pt 6.36%/1.30 pt 5.95%/1.38 pt 30-year ARM 3.13%/0.80 pt 3.13%/0.80 pt 3.01%/0.38 pt start rate 15-year fixed 6.01%/1.27 pt 6.00%/1.26 pt 5.56%/1.56 pt Rates for loans of $417,000 and above 30-year fixed 6.56%/1.29 pt 6.57%/1.24 pt 6.22%/1.46 pt 30-year ARM 3.13%/1.11 pt 3.19%/1.09 pt 3.05%/0.43 pt start rate 15-year fixed 6.26%/1.22 pt 6.26%/1.22 pt 5.83%/1.42 pt FHA or VA mortgage 6.72%/1.18 pt 6.60%/1.11 pt 6.18%/0.73 pt Average / points CALVET 30-year 6.25%/0.00 pt 6.25%/0.00 pt 5.50%/0.00 pt 6-month LIBOR 5.320% 5.280% 4.580% 1-yr Treasury bill 5.030% 4.990% 4.340% 6-mo. Treasury 5.050% 5.010% 4.310% bill 6-month CD 5.310% 5.280% 4.570% Prime rate 8.000% 8.000% 7.000%

11th District April ’06 March ’06 Oct. ’05 cost-of-funds 3.759% 3.624% 3.074%

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