Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of Jan. 31, 2007

Compiled by National Financial News Services

*--* Latest week One week Six months previous previous Rates for loans up to $416,999 30-year fixed 5.91%/1.49 pt 5.89%/1.50 pt 6.31%/1.45 pt 30-year ARM start rate 3.48%/0.72 pt 3.48%/0.75 pt 3.17%/0.64 pt 15-year fixed 5.63%/1.52 pt 5.60%/1.53 pt 5.99%/1.42 pt Rates for loans of $417,000 and above 30-year fixed 6.18%/1.47 pt 6.14%/1.54 pt 6.60%/1.36 pt 30-year ARM start rate 3.49%/0.83 pt 3.49%/0.83 pt 3.20%/1.09 pt 15-year fixed 5.94%/1.44 pt 5.92%/1.39 pt 6.28%/1.33 pt FHA or VA mortgage Average / points 6.61%/1.75 pt 6.61%/1.75 pt 6.61%/1.30 pt CALVET 30-year 6.10%/0.00 pt 6.10%/0.00 pt 6.50%/0.00 pt 6-month LIBOR 5.390% 5.390% 5.560% 1-year Treasury bill 5.100% 5.080% 5.170% 6-month Treasury bill 5.180% 5.160% 5.220% 6-month CD 5.350% 5.350% 5.520% Prime rate 8.250% 8.250% 8.250% 11th District cost-of-funds Nov. ’06 Oct. ’06 May ’06 4.358% 4.346% 3.884%

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