Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of Oct. 25, 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 5.95%/1.47 pt 6.01%/1.42 pt 6.24%/1.53 pt 30-year ARM start rate 3.09%/0.95 pt 2.99%/0.81 pt 3.16%/0.81 pt 15-year fixed 5.72%/1.43 pt 5.74%/1.44 pt 6.08%/1.79 pt Rates for loans of $417,000 and above 30-year fixed 6.28%/1.42 pt 6.32%/1.38 pt 6.43%/1.59 pt 30-year ARM start rate 3.29%/0.98 pt 3.12%/1.17 pt 3.16%/0.92 pt 15-year fixed 5.99%/1.40 pt 6.01%/1.38 pt 6.15%/1.63 pt FHA or VA mortgage Average / points 6.61%/1.50 pt 6.59%/1.48 pt 6.43%/0.98 pt CALVET 30-year 6.50%/0.00 pt 6.50%/0.00pt 6.00%/0.00pt 6-month LIBOR 5.400% 5.390% 5.220% 1-year Treasury bill 5.050% 5.030% 4.900% 6-month Treasury bill 5.150% 5.120% 4.910% 6-month CD 5.360% 5.340% 5.170% Prime rate 8.250% 8.250% 7.750% 11th District cost-of-funds Aug. ’06 July ’06 Feb. ’06 4.277% 4.177% 3.604%

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