The 30-year, fixed-mortgage rate decreased from a week earlier, setting a new record low for the fourth consecutive week at 4.13%, according to the Zillow Mortgage Marketplace weekly update. Zillow said the current 15-year, fixed average rate is 3.65% and the rate for a 5-1 adjustable rate mortgage is 2.98%. That type of mortgage maintains a steady rate for five years and then is adjusted annually thereafter. Regionally, 30-year rates vary, but the majority of states witnessed a deflation. New York's average rate fell to unprecedented lows, under the 4% mark at 3.96% last week, down from 4.04%. Rates in Florida fell to 4.06% from 4.09% the previous week, California's rate decreased to 4.16% from 4.18%, and Texas saw its average rate disintegrate to 4.07% from 4.15%. Pennsylvania's current rate of 4.12% is down from 4.17% last week. Massachusetts' average rate for a 30-year fixed mortgage shrunk to 4.16% from 4.22% at Oct. 4. Washington's 30-year FRM also decreased to 4.13%. Zillow bases its averages on real-time mortgage quotes from lenders registered with the company. The national average comes from thousands of daily quotes by anonymous borrowers through the Seattle-based company's website. Write to Christine Ricciardi.