Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of Jan. 24, 2007

Rates for loans up to $416,999

*--* Latest week One week Six months previous previous 30-yr fixed 5.89%/1.50 pt 5.83%/1.48 pt 6.39%/1.42 pt 30-yr ARM st rate 3.48%/0.75 pt 3.48%/0.73 pt 3.20%/0.67 pt 15-yr fixed 5.60%/1.53 pt 5.57%/1.47 pt 6.07%/1.40 pt

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Rates loans of $417,000 and above

*--* Latest week One week Six months previous previous 30-year fixed 6.14%/1.54 pt 6.13%/1.54 pt 6.68%/1.38 pt 30-year ARM start rate 3.49%/0.83 pt 3.49%/0.83 pt 3.23%/1.09 pt 15-year fixed 5.92%/1.39 pt 5.86%/1.46 pt 6.32%/1.36 pt FHA/VA mort Avg / pts 6.61%/1.75 pt 6.52%/1.72 pt 6.61%/1.30 pt CALVET 30-year 6.10%/0.00 pt 6.10%/0.00 pt 6.50%/0.00 pt 6-mth LIBOR 5.390% 5.380% 5.580% 1-yr Treasury bill 5.080% 5.030% 5.220% 6-mth Treasury bill 5.160% 5.140% 5.280% 6-mth CD 5.350% 5.330% 5.550% Prime rate 8.250% 8.250% 8.250%

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*--* 11th Dist cost-of-funds Nov. ’06 Oct. ’06 May ’06 4.358% 4.346% 3.884%

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Compiled by National Financial News Services