WEEKLY MORTGAGE RATES

Weekly survey of 20 Orange and L.A. County lenders as of 7/15/2009

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

*--* Loans to $417,000 Week ended Week ended Week ended -- 7/15/2009 7/8/2009 1/14/2009 30-year fixed 5.29%+0.20pt 5.40%+0.36pt 5.12%+0.32pt 15-year fixed 4.82%+0.22pt 4.97%+0.29pt 4.94%+0.38pt $417,000 and up 30-year fixed 6.21%+0.73pt 6.29%+0.42pt 6.98%+0.48pt 15-year fixed 5.86%+0.83pt 5.91%+0.38pt 6.91%+0.49pt Home equity lines 5.20% 5.20% 5.24% Home equity loans 9.05% 9.05% 9.16% 6-month LIBOR 0.99% 1.01% 1.47% 1-year Treasury 0.46% 0.53% 0.44% 6-month Treasury 0.27% 0.34% 0.30% 6-month CD 0.53% 0.60% 1.57% 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% *--*