WEEKLY MORTGATE RATES

Survey of 20 Orange County and L.A. County lenders

Compiled by HSH Associates, Financial Publishers www.hsh.com

*--* Loans to $417,000 Week ending Week ending Week ending -- 1/28/2009 1/21/2009 7/30/2008 30-year fixed 5.34%+0.36pt 5.34%+0.36pt 6.66%+0.51pt 15-year fixed 5.24%+0.37pt 5.24%+0.37pt 6.26%+0.56pt $417,000 and up latest week previous week six months ago 30-year fixed 7.10%+0.39pt 7.10%+0.39pt 7.68%+0.58pt 15-year fixed 6.80%+0.46pt 6.80%+0.46 7.29%+0.55pt Home equity lines 5.24% 5.24% 5.65% Home equity loans 9.16% 9.16% 8.55% 6-month LIBOR 1.63% 1.56% 3.13% 1-year Treasury 0.43% 0.43% 2.33% 6-month Treasury 0.30% 0.29% 1.93% 6-month CD 1.57% 1.39% 3.15% Prime rate 3.25% 3.25% 5.00% 11th District 11/2008 10/2008 5/2008 cost-of-funds 3.155% 3.125% 2.918% *--*