Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of June 14, 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 6.35%/1.42 pt 6.34%/1.35 pt 5.96%/1.34 pt 30-year ARM 3.16%/0.80 pt 3.13%/0.80 pt 3.03%/0.38 pt start rate 15-year fixed 6.03%/1.45 pt 6.01%/1.27 pt 5.57%/1.53 pt Rates for loans of $417,000 and above 30-year fixed 6.64%/1.39 pt 6.56%/1.29 pt 6.22%/1.47 pt 30-year ARM 3.16%/1.20 pt 3.13%/1.11 pt 3.06%/0.43 pt start rate 15-year fixed 6.11%/2.11 pt 6.26%/1.22 pt 5.85%/1.44 pt FHA or VA mortgage 6.72%/1.18 pt 6.72%/1.18 pt 6.25%/0.73 pt Average / points CALVET 30-year 6.25%/0.00 pt 6.25%/0.00 pt 5.50%/0.00 pt 6-mo. LIBOR 5.370% 5.320% 4.650% 1-yr Treasury bill 5.040% 5.030% 4.350% 6-mo Treasury bill 5.060% 5.050% 4.310% 6-month CD 5.340% 5.310% 4.610% Prime rate 8.000% 8.000% 7.000% 11th District April 2006 March 2006 October 2005 cost-of-funds 3.759% 3.624% 3.074%

*--*