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CONF-Fixed

JUMBO-Fixed

CONF-FHA

JUMBO-FHA

CONF-ARM

JUMBO-ARM

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Graph Mortgage Avg - NEW

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Freddie Mac weekly - NEW

FIXED CONFORMING RATES

Summary!B22

Yield $

Yield $

SURVEY DATE:

Monday, August 02, 2010

$417,000

$417,000

$417,000

$417,000

Bank NAME

15 YR FIXED

Disc Pts

Orig Pts

APR

Bank NAME

30 YR FIXED

Disc Pts

Orig Pts

APR

Bank of the West

3.750%

0.250%

0.000%

3.770%

Bank of the West

4.375%

0.000%

0.000%

4.375%

TravisCU

3.750%

0.750%

0.000%

3.812%

TravisCU

4.375%

0.375%

0.000%

4.407%

Schools
First CU

4.000%

0.000%

0.000%

4.000%

SAFECU

4.500%

0.375%

0.000%

4.532%

US Bank

4.125%

0.000%

0.000%

4.125%

US Bank

4.625%

0.000%

0.000%

4.625%

WFB

4.125%

0.000%

0.000%

4.125%

Schools First CU

4.625%

0.000%

0.000%

4.625%

SAFECU

4.125%

0.125%

0.000%

4.135%

Golden 1 CU

4.750%

0.000%

0.000%

4.750%

BofA

4.125%

1.250%

0.000%

4.230%

WFB

4.750%

0.000%

0.000%

4.750%

Golden 1 CU

4.250%

0.000%

0.000%

4.250%

WAMU/Chase

4.750%

0.250%

0.000%

4.772%

WAMU/Chase

4.250%

0.375%

0.000%

4.282%

PatelcoCU

4.750%

0.500%

0.000%

4.793%

PatelcoCU

4.250%

0.500%

0.000%

4.292%

BofA

4.750%

1.125%

0.000%

4.848%

Citibank

4.375%

0.125%

0.000%

4.386%

Citibank

4.875%

0.250%

0.000%

4.897%

Average

4.102%

0.307%

0.000%

4.128%

Average

4.648%

0.261%

0.000%

4.670%

ProRates.net

FIXED JUMBO RATES

Yield $

Yield $

SURVEY DATE:

Monday, August 02, 2010

$450,000

$450,000

Bank NAME

15 YR FIXED

Disc Pts

Orig Pts

APR

Bank NAME

30 YR FIXED

Disc Pts

Orig Pts

APR

TravisCU

3.750%

0.750%

0.000%

3.812%

TravisCU

4.375%

0.375%

0.000%

4.407%

BofA

4.125%

1.000%

0.000%

4.209%

BofA

4.750%

1.375%

0.000%

4.870%

Schools
First CU

4.500%

0.000%

0.000%

4.500%

Schools First CU

5.125%

0.000%

0.000%

5.125%

WFB

4.500%

0.000%

0.000%

4.500%

Bank of the West

5.125%

0.250%

0.000%

5.147%

US Bank

4.500%

1.000%

0.000%

4.586%

US Bank

5.125%

1.000%

0.000%

5.214%

Citibank

4.750%

0.000%

0.000%

4.750%

WAMU/Chase

5.250%

0.000%

0.000%

5.250%

SAFECU

4.750%

0.125%

0.000%

4.761%

PatelcoCU

5.250%

0.500%

0.000%

5.295%

Bank of the
West

4.875%

0.250%

0.000%

4.897%

WFB

5.375%

0.000%

0.000%

5.375%

PatelcoCU

5.125%

0.500%

0.000%

5.169%

SAFECU

5.500%

0.000%

0.000%

5.500%

Golden 1 CU

5.625%

0.000%

0.000%

5.625%

Golden 1 CU

6.125%

0.000%

0.000%

6.125%

WAMU/Chase

5.625%

0.250%

0.000%

5.648%

Citibank

6.375%

0.000%

0.000%

6.375%

Average

4.739%

0.352%

0.000%

4.769%

Average

5.300%

0.350%

0.000%

5.331%

ProRates.net

FIXED CONFORMING  F H A

Yield $

Yield $

SURVEY DATE:

Monday, August 02, 2010

$417,000

$417,000

$417,000

$417,000

Bank NAME

15 YR FIXED

Disc Pts

Orig Pts

APR

Bank NAME

30 YR FIXED

Disc Pts

Orig Pts

APR

Redwood CU

4.000%

0.000%

0.000%

4.000%

Redwood CU

4.375%

0.125%

0.000%

4.386%

WesCom CU

4.000%

0.000%

1.000%

4.083%

WesCom CU

4.500%

0.000%

1.000%

4.586%

WFB

4.125%

0.000%

1.000%

4.209%

Bank of the West

4.625%

0.000%

0.000%

4.625%

BofA

4.250%

0.125%

0.000%

4.261%

San Mateo CU

4.625%

0.000%

0.000%

4.625%

Golden 1 CU

4.250%

0.000%

1.000%

4.335%

BofA

4.625%

1.000%

0.000%

4.712%

US Bank

4.500%

0.000%

0.000%

4.500%

WFB

4.625%

0.000%

1.000%

4.712%

Bank of the
West

4.500%

0.000%

0.000%

4.500%

US Bank

4.750%

0.000%

0.000%

4.750%

San Mateo CU

4.500%

0.000%

0.000%

4.500%

SAFECU

4.750%

0.125%

0.000%

4.761%

WAMU/Chase

4.500%

0.375%

0.000%

4.532%

Golden 1 CU

4.750%

0.000%

1.000%

4.837%

SAFECU

4.750%

0.125%

0.000%

4.761%

WAMU/Chase

5.000%

0.250%

0.000%

5.022%

Citibank

5.000%

0.000%

0.000%

5.000%

Citibank

5.250%

0.000%

0.000%

5.250%

Schools
First CU

NA

NA

NA

NA

Schools First CU

NA

NA

NA

NA

PatelcoCU

NA

NA

NA

NA

PatelcoCU

NA

NA

NA

NA

TravisCU

NA

NA

NA

NA

TravisCU

NA

NA

NA

NA

EECU

NA

NA

NA

NA

EECU

NA

NA

NA

NA

Average

4.484%

0.078%

0.250%

4.512%

Average

4.797%

0.172%

0.250%

4.834%

ProRates.net

FIXED JUMBO  F H A

Yield $

Yield $

SURVEY DATE:

Monday, August 02, 2010

$417,000

$417,000

$417,000

$417,000

Bank NAME

15 YR FIXED

Disc Pts

Orig Pts

APR

Bank NAME

30 YR FIXED

Disc Pts

Orig Pts

APR

Redwood CU

4.250%

0.000%

0.000%

4.250%

BofA

4.500%

0.875%

0.000%

4.575%

WFB

4.250%

0.000%

1.000%

4.335%

Bank of the West

4.625%

0.000%

0.000%

4.625%

WesCom CU

4.250%

0.000%

1.000%

4.335%

Redwood CU

4.625%

0.125%

0.000%

4.636%

Bank of the
West

4.500%

0.000%

0.000%

4.500%

WFB

4.750%

0.000%

1.000%

4.837%

WAMU/Chase

4.500%

0.375%

0.000%

4.532%

WesCom CU

4.875%

0.000%

1.000%

4.963%

US Bank

4.750%

0.000%

0.000%

4.750%

US Bank

5.000%

0.000%

0.000%

5.000%

BofA

4.750%

0.875%

0.000%

4.826%

WAMU/Chase

5.000%

0.250%

0.000%

5.022%

Citibank

5.000%

0.000%

0.000%

5.000%

Citibank

5.500%

0.000%

0.000%

5.500%

Golden 1 CU

NA

NA

NA

NA

Golden 1 CU

NA

NA

NA

NA

Schools
First CU

NA

NA

NA

NA

Schools First CU

NA

NA

NA

NA

PatelcoCU

NA

NA

NA

NA

PatelcoCU

NA

NA

NA

NA

SAFECU

NA

NA

NA

NA

SAFECU

NA

NA

NA

NA

TravisCU

NA

NA

NA

NA

TravisCU

NA

NA

NA

NA

San Mateo CU

NA

NA

NA

NA

San Mateo CU

NA

NA

NA

NA

EECU

NA

NA

NA

NA

EECU

NA

NA

NA

NA

Average

4.625%

0.208%

0.167%

4.657%

Average

4.896%

0.188%

0.167%

4.927%

ProRates.net

ARM  CONFORMING RATES

Yield $

Yield $

Yield $

SURVEY DATE:

Monday, August 02, 2010

$417,000

$417,000

$417,000

$417,000

$417,000

$417,000

Bank NAME

1 YR ARM

Disc Pts

Orig Pts

APR

Bank NAME

3/1 ARM

Disc Pts

Orig Pts

APR

Bank NAME

5/1 ARM

Disc Pts

Orig Pts

APR

TravisCU

2.750%

0.000%

0.000%

2.750%

TravisCU

3.125%

0.125%

0.000%

3.135%

WFB

3.375%

0.000%

0.000%

3.375%

BofA

NA

NA

NA

NA

US Bank

3.250%

1.000%

0.000%

3.330%

BofA

3.375%

0.250%

0.000%

3.395%

US Bank

NA

NA

NA

NA

SAFECU

3.625%

1.125%

0.000%

3.717%

US Bank

3.500%

0.000%

0.000%

3.500%

Citibank

NA

NA

NA

NA

Golden 1 CU

3.750%

0.000%

0.000%

3.750%

Schools First CU

3.625%

0.000%

0.000%

3.625%

Bank of the
West

NA

NA

NA

NA

Citibank

3.875%

0.000%

0.000%

3.875%

PatelcoCU

3.625%

0.500%

0.000%

3.666%

Golden 1 CU

NA

NA

NA

NA

Bank of the West

3.875%

0.000%

0.000%

3.875%

Bank of the West

3.750%

0.000%

0.000%

3.750%

Schools First
CU

NA

NA

NA

NA

PatelcoCU

3.875%

0.500%

0.000%

3.916%

WAMU/Chase

3.750%

0.000%

0.000%

3.750%

PatelcoCU

NA

NA

NA

NA

WFB

5.000%

0.250%

1.000%

5.111%

TravisCU

3.875%

0.125%

0.000%

3.885%

SAFECU

NA

NA

NA

NA

BofA

NA

NA

NA

NA

Citibank

4.000%

0.000%

0.000%

4.000%

WAMU/Chase

NA

NA

NA

NA

Schools First CU

NA

NA

NA

NA

SAFECU

4.125%

1.125%

0.000%

4.220%

WFB

NA

NA

NA

NA

WAMU/Chase

NA

NA

NA

NA

Golden 1 CU

4.500%

0.000%

0.000%

4.500%

Average

2.750%

0.000%

0.000%

2.750%

Average

3.797%

0.375%

0.125%

3.839%

Average

3.773%

0.182%

0.000%

3.788%

Yield $

Yield $

$417,000

$417,000

$417,000

$417,000

Bank NAME

7/1 ARM

Disc Pts

Orig Pts

APR

Bank NAME

10/1 ARM

Disc Pts

Orig Pts

APR

BofA

3.625%

1.000%

0.000%

3.707%

BofA

4.000%

1.000%

0.000%

4.083%

WFB

3.375%

0.000%

1.000%

3.455%

WFB

3.875%

0.000%

1.000%

3.958%

US Bank

3.750%

0.000%

0.000%

3.750%

PatelcoCU

4.375%

0.500%

0.000%

4.417%

Schools First
CU

3.875%

0.000%

0.000%

3.875%

Citibank

4.500%

0.000%

0.000%

4.500%

WAMU/Chase

4.000%

0.000%

0.000%

4.000%

WAMU/Chase

4.875%

0.125%

0.000%

4.886%

PatelcoCU

4.000%

0.500%

0.000%

4.042%

Golden 1 CU

5.250%

0.000%

0.000%

5.250%

Citibank

4.250%

0.000%

0.000%

4.250%

US Bank

NA

NA

NA

NA

TravisCU

4.250%

0.000%

0.000%

4.250%

Bank of the West

NA

NA

NA

NA

Golden 1 CU

4.875%

0.000%

0.000%

4.875%

Schools First CU

NA

NA

NA

NA

Bank of the
West

NA

NA

NA

NA

SAFECU

NA

NA

NA

NA

SAFECU

NA

NA

NA

NA

TravisCU

NA

NA

NA

NA

Average

4.000%

0.167%

0.111%

4.023%

Average

4.479%

0.271%

0.167%

4.516%

ProRates.net

ARM JUMBO RATES

Yield $

Yield $

Yield $

SURVEY DATE:

Monday, August 02, 2010

$417,000

$417,000

$417,000

$417,000

$417,000

$417,000

Bank NAME

1 YR ARM

Disc Pts

Orig Pts

APR

Bank NAME

3/1 ARM

Disc Pts

Orig Pts

APR

Bank NAME

5/1 ARM

Disc Pts

Orig Pts

APR

TravisCU

2.750%

0.000%

0.000%

2.750%

TravisCU

3.125%

0.125%

0.000%

3.135%

BofA

3.375%

1.000%

0.000%

3.455%

BofA

NA

NA

NA

NA

US Bank

3.250%

1.000%

0.000%

3.330%

US Bank

3.500%

0.000%

0.000%

3.500%

US Bank

NA

NA

NA

NA

Bank of the West

3.750%

0.125%

0.000%

3.760%

TravisCU

3.875%

0.125%

0.000%

3.885%

Citibank

NA

NA

NA

NA

SAFECU

4.250%

1.125%

0.000%

4.345%

Bank of the West

3.875%

0.375%

0.000%

3.906%

Bank of the
West

NA

NA

NA

NA

BofA

4.500%

1.000%

0.000%

4.586%

WAMU/Chase

4.125%

0.125%

0.000%

4.135%

Golden 1 CU

NA

NA

NA

NA

Golden 1 CU

5.125%

0.000%

0.000%

5.125%

PatelcoCU

4.250%

0.500%

0.000%

4.292%

Schools First
CU

NA

NA

NA

NA

PatelcoCU

5.125%

0.500%

0.000%

5.169%

WFB

4.375%

0.000%

0.000%

4.375%

PatelcoCU

NA

NA

NA

NA

Citibank

NA

NA

NA

NA

Citibank

4.500%

0.000%

0.000%

4.500%

SAFECU

NA

NA

NA

NA

Schools First CU

NA

NA

NA

NA

SAFECU

4.750%

1.125%

0.000%

4.848%

WAMU/Chase

NA

NA

NA

NA

WAMU/Chase

NA

NA

NA

NA

Golden 1 CU

5.875%

0.000%

0.000%

5.875%

WFB

NA

NA

NA

NA

WFB

NA

NA

NA

NA

Schools First CU

NA

NA

NA

NA

Average

2.750%

0.000%

0.000%

2.750%

Average

4.161%

0.554%

0.000%

4.207%

Average

4.250%

0.325%

0.000%

4.277%

Yield $

Yield $

$450,000

$450,000

Bank NAME

7/1 ARM

Disc Pts

Orig Pts

APR

Bank NAME

10/1 ARM

Disc Pts

Orig Pts

APR

BofA

3.875%

1.125%

0.000%

3.968%

BofA

4.250%

0.875%

0.000%

4.324%

US Bank

3.750%

0.000%

0.000%

3.750%

Citibank

5.000%

0.000%

0.000%

5.000%

TravisCU

4.250%

0.000%

0.000%

4.250%

WAMU/Chase

5.250%

0.125%

0.000%

5.261%

PatelcoCU

4.500%

1.000%

0.000%

4.586%

Golden 1 CU

6.625%

0.000%

0.000%

6.625%

WAMU/Chase

4.625%

0.000%

0.000%

4.625%

US Bank

NA

NA

NA

NA

Citibank

4.750%

0.000%

0.000%

4.750%

Bank of the West

NA

NA

NA

NA

Golden 1 CU

6.250%

0.000%

0.000%

6.250%

Schools First CU

NA

NA

NA

NA

Bank of the
West

NA

NA

NA

NA

PatelcoCU

NA

NA

NA

NA

Schools First
CU

NA

NA

NA

NA

SAFECU

NA

NA

NA

NA

SAFECU

NA

NA

NA

NA

TravisCU

NA

NA

NA

NA

WFB

NA

NA

NA

NA

WFB

NA

NA

NA

NA

Average

4.571%

0.304%

0.000%

4.597%

Average

5.281%

0.250%

0.000%

5.303%