Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of April 26, 2006

Compiled by National Financial News Services

*--* Latest week One week Six months previous previous Rates for loans up to $416,999 30-year fixed 6.21%/1.68 pt 6.26%/1.49 pt 5.70%/1.45 pt 30-year ARM 3.17%/0.80 pt 3.16%/0.81 pt 3.12%/0.93 pt start rate 15-year fixed 6.13%/1.66 pt 5.86%/1.67 pt 5.30%/1.38 pt Rates for loans of $417,000 and above 30-year fixed 6.49%/1.52 pt 6.71%/1.57 pt 5.96%/1.33 pt 30-year ARM 3.18%/0.92 pt 3.16%/0.92 pt 3.15%/0.81 pt start rate 15-year fixed 6.18%/1.54 pt 6.15%/1.61 pt 5.58%/1.28 pt FHA or VA mortgage Average / points 6.43%/0.98 pt 6.43%/0.98 pt 6.16%/0.56 pt CALVET 30-year 6.00%/0.00 pt 6.00%/0.00 pt 5.50%/0.00 pt 6-month LIBOR 5.220% 5.200% 4.360% 1-year 4.900% 4.910% 4.190% Treasury bill 6-month 4.910% 4.910% 4.160% Treasury bill 6-month CD 5.170% 5.170% 4.320% Prime rate 7.750% 7.750% 6.750%

11th District Feb. ’06 Jan. ’06 Aug. ’05 cost-of-funds 3.604% 3.347% 2.870%

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