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Mortgage Rates Wednesday: Mostly Unchanged

Mortgage Rates, Mortgages
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The average rate on a 30-year fixed-rate mortgage was unchanged, the rate for the 15-year fixed also was unchanged and the 5/1 ARM fell one basis point, according to a NerdWallet survey of daily mortgage rates published by national lenders Wednesday.

The average rate on the 30-year fixed is 29 basis points lower than a year ago. A basis point is one one-hundredth of one percent.

MORTGAGE RATES TODAY, WEDNESDAY, JAN. 3:

(Change from 01/02)
30-year fixed: 4.09% APR (NC)
15-year fixed: 3.70% APR (NC)
5/1 ARM: 4.30% APR (-0.01)


NerdWallet daily mortgage rates are an average of the published annual percentage rate with the lowest points for each loan term offered by a sampling of major national lenders. APR quotes reflect an interest rate plus points, fees and other expenses, providing the most accurate view of the costs a borrower might pay.

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