The 30-year, fixed-rate mortgage spiked to the highest point in five months, up 20 basis points to 4.5% from the week prior, according to the Zillow Mortgage Marketplace weekly update. This is the second consecutive week the rate increased. Zillow said the current 15-year, fixed-average rate is 3.89% and the rate for a 5-1 adjustable-rate mortgage is 3.1%. 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 dramatic inflation. Massachusetts' average rate spiked to 4.61% from 4.3% prior. Rates in California also increased substantially to 4.47% from 4.32% the previous week, while New York's rate increased to 4.53% from 4.31%, and Texas saw its average rate rise to 4.44% from 4.24%. The current rate in Washington increased week-over-week to 4.5% from 4.24%, as did Illinois' rate, up to 4.4% from 4.23%. Rates in Florida are up close to the national average at 4.48% from 4.33%, and rates in Pensylvania rose to 4.43%. Colorado's average rate for a 30-year FRM decreased one basis point to 4.47%. 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.