Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of Aug. 10, 2005

Compiled by National Financial News Services

*--* Latest week One week Six months previous previous Rates for loans up to $359,649 30-year fixed 5.53%/1.31pt 5.47%/1.29pt 5.36%/1.54pt 30-year ARM 3.13%/0.46pt 2.99%/0.43pt 3.13%/0.66pt start rate 15-year fixed 5.14%/1.42pt 5.09%/1.36pt 4.89%/1.46pt Rates for loans of $359,650 and more 30-year fixed 5.71%/1.40pt 5.66%/1.35pt 5.49%/1.46pt 30-year ARM 3.57%/0.91pt 3.04%/0.38pt 3.25%/0.65pt start rate 15-year fixed 5.40%/1.25pt 5.35%/1.21pt 5.08%/1.35pt FHA or VA mortgage 6.16%/0.56pt 6.16%/0.56pt 6.13%/0.67pt Average / points CALVET 30-year 5.50%/0.00pt 5.50%/0.00pt 5.50%/0.00pt 6-month LIBOR 4.000% 3.920% 2.990% 1-year Treasury bill 3.840% 3.770% 2.950% 6-month Treasury bill 3.730% 3.670% 2.770% 6-month CD 3.930% 3.870% 2.950% Prime rate 6.500% 6.250% 5.500% 11th District June ’05 May ’05 Dec. ’04 cost-of-funds 2.676% 2.622% 2.118%

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