Average Mortgage Rates For U.S. Cities

for week ending January 26, 2001

	30 Year FRM		15 Year FRM		1 Year FRM
Metro Area	Interest Rate	Total Points	Interest Rate	Total Points	Interest Rate	Total Points
NW/National	7.34%	0.70	6.87%	0.74	6.57%	0.80
AZ/Phoenix	7.43%	0.63	7.03%	0.47	6.77%	0.36
CA/Los Angeles	7.37%	0.88	6.73%	1.45	6.61%	1.38
CA/San Francisco	7.40%	0.58	6.86%	0.92	6.21%	0.86
CO/Denver	7.31%	0.96	6.95%	0.75	6.69%	0.97
CT/Stamford	7.07%	1.45	6.57%	1.55	5.89%	1.71
DC/Washington DC	7.18%	1.41	6.79%	1.35	6.26%	1.31
FL/Miami	7.39%	0.51	6.91%	0.52	6.90%	0.53
FL/Orlando	7.55%	0.14	7.19%	0.03	7.06%	0.06
GA/Atlanta	7.24%	1.18	6.79%	1.20	6.33%	1.19
IL/Chicago	7.45%	0.18	6.97%	0.35	6.91%	0.41
MA/Boston	7.31%	0.55	6.76%	0.70	6.51%	0.54
MD/Baltimore	7.25%	1.20	6.78%	1.12	6.42%	1.44
MI/Detroit	7.33%	0.63	6.83%	0.90	6.82%	0.86
MN/Minneapolis	7.44%	0.92	7.05%	0.95	6.76%	1.00
NC/Raleigh-Durham	7.23%	1.21	6.69%	1.36	6.43%	1.00
NJ/Morristown	7.39%	0.27	7.00%	0.15	6.91%	0.33
NY/New York City	7.25%	0.89	6.77%	0.92	6.43%	0.93
OH/Cleveland	7.39%	0.38	6.95%	0.20	7.31%	0.44
PA/Philadelphia	7.26%	0.89	6.85%	0.93	5.90%	1.64
TX/Dallas-Ft Worth	7.29%	0.94	6.97%	0.88	6.93%	1.04
WA/Seattle	7.32%	0.89	6.86%	0.92	7.06%	1.04
NW/National FHA	7.31%	0.79	n/a%	n/a	6.09%	1.18
Source: HSH Associates, Financial Publishers http://www.hsh.com/