Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of Jan. 10, 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 5.76%/1.37 pt 5.77%/1.44 pt 6.54%/1.33 pt 30-year ARM start rate 3.43%/0.72 pt 3.42%/0.77 pt 3.79%/0.86 pt 15-year fixed 5.49%/1.47 pt 5.56%/1.52 pt 6.24%/1.36 pt Rates for loans of $417,000 and above 30-year fixed 6.07%/1.46 pt 5.99%/1.49 pt 6.78%/1.22 pt 30-year ARM start rate 3.45%/0.83 pt 3.45%/0.83 pt 3.88%/1.09 pt 15-year fixed 5.79%/1.46 pt 5.81%/1.46 pt 6.49%/1.25 pt FHA or VA mortgage Average / points 6.52%/1.72 pt 6.52%/1.72 pt 6.72%/1.18 pt CALVET 30-year 6.10%/0.00 pt 6.10%/0.00 pt 6.50%/0.00 pt 6-month LIBOR 5.370% 5.360% 5.580% 1-year Treasury bill 4.980% 4.990% 5.270% 6-month Treasury bill 5.090% 5.100% 5.310% 6-month CD 5.320% 5.320% 5.570% 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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