Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of Nov. 1, 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 5.86%/1.58 pt 5.95%/1.47 pt 6.23%/1.63 pt 30-year ARM start rate 3.09%/0.89 pt 3.09%/0.95 pt 3.16%/0.81 pt 15-year fixed 5.58%/1.52 pt 5.72%/1.43 pt 5.88%/1.54 pt Rates for loans of $417,000 and above 30-year fixed 6.19%/1.47 pt 6.28%/1.42 pt 6.76%/1.51 pt 30-year ARM start rate 3.29%/0.98 pt 3.29%/0.98 pt 3.16%/0.92 pt 15-year fixed 5.90%/1.36 pt 5.99%/1.40 pt 6.43%/1.66 pt FHA or VA mortgage Average / points 6.61%/1.50 pt 6.61%/1.50 pt 6.43%/0.98 pt CALVET 30-year 6.50%/0.00 pt 6.50%/0.00 pt 6.25%/0.00 pt 6-month LIBOR 5.430% 5.400% 5.220% 1-year Treasury bill 5.070% 5.050% 4.940% 6-month Treasury bill 5.180% 5.150% 4.940% 6-month CD 5.360% 5.360% 5.210% Prime rate 8.250% 8.250% 7.750% 11th District cost-of-funds Sept. ’06 Aug. ’06 March ’06 4.382% 4.277% 3.624%

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