Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of Nov. 16, 2005

Compiled by National Financial News Services

*--* Latest week One week previous Six months previous Rates for loans up to $359,649 30-year fixed 5.85%/1.64pt 5.86%/1.60pt 5.47%/1.35pt 30-year ARM 3.31%/0.63pt 3.31%/1.00pt 2.88%/0.52pt start rate 15-year fixed 5.41%/1.64pt 5.44%/1.61pt 5.06%/1.33pt Rates for loans of $359,650 and above 30-year fixed 6.10%/1.54pt 6.06%/1.58pt 5.78%/1.33pt 30-year ARM 3.44%/0.43pt 3.44%/0.86pt 2.91%/0.52pt start rate 15-year fixed 5.74%/1.49pt 5.68%/1.50pt 5.38%/1.36pt FHA or VA 6.36%/0.73pt 6.36%/0.73pt 6.05%/0.56pt mortgage Average / points CALVET 30-year 5.50%/0.00pt 5.50%/0.00pt 5.50%/0.00pt 6-month LIBOR 4.530% 4.720% 3.480% 1-year Treasury 4.350% 4.320% 3.350% bill 6-month 4.310% 4.260% 3.180% Treasury bill 6-month CD 4.500% 4.460% 3.440% Prime rate 7.000% 7.000% 6.000% 11th District Sept. ’05 Aug. ’05 March ’05 cost-of-funds 2.972% 2.870% 2.400%

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