WEEKLY MORTGAGE RATES

Weekly survey of 20 Orange and L.A. County lenders as of 1/2/2009

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

*--* Loans to $417,000 Week ending Week ending Week ending -- 12/31/2008 12/23/2008 6/27/2008 30-year fixed 5.23%+0.28pt 5.47%+0.28pt 6.54%+0.40pt 15-year fixed 4.99%+0.22pt 5.19%+0.18pt 6.17%+0.37pt $417,000 and up 30-year fixed 7.33%+0.59pt 6.83%+0.47pt 7.55%+0.80pt 15-year fixed 7.26%+0.69pt 6.68%+0.58pt 7.05%+0.60pt Home equity lines 5.26% 5.26% 5.78% Home equity loans 8.90% 8.90% 7.82% 6-month LIBOR 1.750% 1.826% 3.13% 1-year Treasury 0.40% 0.45% 2.46% 6-month Treasury 0.25% 0.20% 2.21% 6-month CD 1.80% 2.05% 3.15% Prime rate 3.25% 3.25% 5.00% 11th District 11/2008 10/2008 5/2008 -- 3.155% 3.125% 2.918% *--*