Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of Aug. 22, 2007

Compiled by National Financial News Services

*--* -- Latest One week Six months -- week previous previous Rates for loans up to $416,999 30-year fixed 6.17%/1.50 pt 6.18%/1.55 pt 5.84%/1.38 pt 30-year ARM 4.29%/0.94 pt 4.26%/0.93 pt 3.53%/0.84 pt start rate 15-year fixed 5.82%/1.57 pt 5.85%/1.46 pt 5.56%/1.46 pt

Rates for loans of $417,000 and above 30-year fixed 7.17%/1.54 pt 7.00%/1.42 pt 6.08%/1.51 pt 30-year ARM start rate 4.42%/1.10 pt 4.42%/1.09 pt 3.54%/1.08 pt 15-year fixed 6.74%/1.45 pt 6.61%/1.38 pt 5.90%/1.42 pt FHA or VA mortgage 6.67%/1.93 pt 6.68%/1.93 pt 6.61%/1.82 pt Average / points CALVET 30-year 6.10%/0.00 pt 6.10%/0.00 pt 6.10%/0.00 pt 6-month LIBOR 5.400% 5.280% 5.400% 1-year Treasury bill 4.440% 4.780% 5.070% 6-month Treasury bill 4.520% 4.910% 5.160% 6-month CD 5.400% 5.350% 5.350% Prime rate 8.250% 8.250% 8.250%

11th District Jun. ’07 May ’07 Dec. ’06 cost-of-funds 4.283% 4.293% 4.396% *--*