Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of June 20, 2007

Rates for loans up to $416,999

*--* Latest week One week previous Six months previous 30-year fixed 6.27%/1.46 pt 6.17%/1.48 pt 5.76%/1.34 pt 30-year ARM start 3.54%/0.86 pt 3.56%/0.84 pt 3.42%/0.77 pt rate 15-year fixed 5.92%/1.60 pt 5.86%/1.56 pt 5.47%/1.42 pt

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Rates for loans of $417,000 and above

*--* 30-year fixed 6.49%/1.58 pt 6.43%/1.56 pt 6.04%/1.56 pt 30-year ARM start rate 3.59%/1.03 pt 3.59%/1.03 pt 3.47%/0.83 pt 15-year fixed 6.19%/1.54 pt 6.15%/1.49 pt 5.78%/1.33 pt FHA or VA mortgage 6.70%/1.98 pt 6.68%/1.95 pt 6.46%/1.63 pt Average / points CALVET 30-year 6.10%/0.00 pt 6.10%/0.00 pt 6.50%/0.00 pt 6-month LIBOR 5.400% 5.390% 5.360% 1-year Treasury bill 4.980% 4.980% 4.950% 6-month Treasury bill 4.930% 4.970% 5.070% 6-month CD 5.360% 5.350% 5.320% Prime rate 8.250% 8.250% 8.250% 11th District April ’07 March ’07 Oct. ’06 cost-of-funds 4.224% 4.299% 4.346%

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Compiled by National Financial News Services