WEEKLY MORTGAGE RATES

Weekly survey of 20 Orange and L.A. County lenders as of 7/22/2009

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

*--* Loans to $417,000 Week ended Week ended Week ended -- 7/22/2009 7/15/2009 1/21/2009 30-year fixed 5.34%+0.27pt 5.29%+0.20pt 5.34%+0.36pt 15-year fixed 4.90%+0.21pt 4.82%+0.22pt 5.24%+0.37pt $417,000 and up 30-year fixed 6.34%+0.75pt 6.21%+0.73pt 7.10%+0.39pt 15-year fixed 6.22%+0.80pt 5.86%+0.83pt 6.80%+0.46pt Home equity lines 5.20% 5.20% 5.24% Home equity loans 9.05% 9.05% 9.16% 6-month LIBOR 0.95% 0.99% 1.56% 1-year Treasury 0.48% 0.46% 0.43% 6-month Treasury 0.28% 0.27% 0.29% 6-month CD 0.48% 0.53% 1.39% 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% *--*