Average Mortgage Rates and Indexes

*--* Weekly survey of 60 Southland lenders as of Dec. 5, 2007 Latest week One week previous Six months previous Rates for loans up to $417,000 30-year fixed 5.85%/1.40 pt. 5.97%/1.32 pt. 6.00%/1.57 pt. 30-year ARM 4.91%/0.84 pt. 4.77%/0.97 pt. 3.48%/0.73 pt. start rate 15-year fixed 5.56%/1.09 pt. 5.60%/1.26 pt. 5.74%/1.49 pt. Rates for loans of $417,001 and above 30-year fixed 6.70%/1.23 pt. 6.66%/1.22 pt. 6.29%/1.47 pt. 30-year ARM 5.26%/0.92 pt. 5.04%/1.03 pt. 3.57%/0.88 pt. start rate 15-year fixed 6.24%/1.18 pt. 6.24%/1.17 pt. 6.00%/1.42 pt. FHA or VA 6.64%/2.13 pt. 6.64%/2.13 pt. 6.68%/1.95 pt. mortgage Average / points CALVET 30-year 6.10%/0.00 pt. 6.10%/0.00 pt. 6.10%/0.00 pt. 6-month LIBOR 4.860% 4.860% 5.380% 1-year 3.250% 3.300% 4.960% Treasury bill 6-month 3.350% 3.410% 4.980% Treasury bill 6-month CD 4.930% 4.880% 5.340% Prime rate 7.500% 7.500% 8.250% 11th District Oct. ’07 Sept. ’07 April ’07 cost-of-funds 4.233% 4.383% 4.244% Compiled by National Financial News Services *--*