Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of Jan. 3, 2007

Rates for loans up to $416,999

*--* Latest week One week previous Six months previous 30-yr fixed 5.77%/1.44 pt 5.78%/1.33 pt 6.50%/1.47 pt 30-yr ARM start 3.42%/0.77 pt 3.42%/0.77 pt 3.77%/0.88 pt rate 15-yr fixed 5.56%/1.52 pt 5.51%/1.39 pt 6.26%/1.43 pt

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Rates for loans of $417,000 and above

*--* Latest week One week previous Six months previous 30-yr fixed 5.99%/1.49 pt 6.06%/1.54 pt 6.81%/1.40 pt 30-yr ARM 3.45%/0.83 pt 3.45%/0.83 pt 3.86%/1.11 pt start rate 15-yr fixed 5.81%/1.46 pt 5.82%/1.36 pt 6.49%/1.38 pt FHA/VA 6.52%/1.72 pt 6.52%/1.72 pt 6.72%/1.18 pt mortgage Avg / points CALVET 30-year 6.10%/0.00 pt 6.10%/0.00 pt 6.25%/0.00 pt 6-month LIBOR 5.360% 5.370% 5.630% 1-yr Treasury 4.990% 4.700% 5.270% bill 6-mth Treasury 5.100% 5.080% 5.290% bill 6-mth CD 5.320% 5.330% 5.570% Prime rate 8.250% 8.250% 8.250%

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11th District cost-of-funds

*--* Nov. ’06 Oct. ’06 May ’06 4.358% 4.346% 3.884%

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Compiled by National Financial News Services