The average interest rate for 30-year and 15-year fixed-rate mortgages (FRM) reached a new record low, according to Freddie Mac (FRE). Freddie Mac’s weekly survey of mortgage rates put the 30-year FRM at 4.71% with an average 0.7 point, down from last week, when the rate of 4.78% tied the previous all-time record low. After Bankrate.com’s weekly survey of large US banks and thrifts reached an all-time record low of 5% last week, it rose slightly to 5.01% with an average 0.39 point this week. Freddie Mac put the 15-year FRM at 4.27% with an average 0.6 point, a new record low, and down from last week when the rate of 4.29% was the previously record low. Bankrate.com put the 15-year FRM at 4.46%, down 1bp from last week and a record low in that survey. Freddie put the five-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) at 4.19% with an average 0.6 point, up from last week’s average 4.18%. The one-year Treasury-indexed ARM averaged 4.25% with an average 0.6 point, down from last week’s rate of 4.35%. Bankrate.com put the five-year ARM at 4.52%, also a new record for the survey. Write to Austin Kilgore.