REAL ESTATE

Weekly survey of 20 Orange and L.A. County lenders as of 7/8/2009

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

*--* Loans to $417,000 Week ended Week ended Week ended -- 7/8/2009 7/1/2009 1/7/2009 30-year fixed 5.40%+0.36pt 5.40%+0.26pt 5.09%+0.32pt 15-year fixed 4.97%+0.29pt 4.99%+0.28pt 4.69%+0.35pt $417,000 and up 30-year fixed 6.29%+0.42pt 6.75%+0.73pt 7.08%+0.45pt 15-year fixed 5.91%+0.38pt 6.18%+0.89pt 6.75%+0.60pt Home equity lines 5.20% 5.20% 5.24% Home equity loans 9.05% 9.05% 9.16% 6-month LIBOR 1.01% 1.09% 1.75% 1-year Treasury 0.53% 0.48% 0.37% 6-month Treasury 0.34% 0.32% 0.27% 6-month CD 0.60% 0.67% 1.74% Prime rate 3.25% 3.25% 3.25% 11th District 5/2009 4/2009 11/2008 cost of funds 1.832% 1.380% 3.155% *--*