The national, 30-year fixed-mortgage rate (FRM) remained relatively flat from a week earlier, at a near-record low average of 4.29%, according to the Zillow Mortgage Marketplace weekly update. This is up 0.01% from last week and up from the all-time record low set three weeks ago. Regionally, 30-year rates vary, but the majority of states witnessed an inflation. Rates substantially increased in New York to 4.31% from 4.25%, Pennsylvania to 4.37% from 4.32% and Texas to 4.28% from 4.19%. Rates increased in Massachusetts to 4.27% from 4.25% and New Jersey to 4.27% from 4.26%. Most western states saw a decline in rates: California's current rate of 4.3% is down from 4.33% last week; Colorado's at 4.17% is down from 4.19%; Washington's at 4.29% is down from 4.33%; Illinois' at 4.24% is down from 4.3%, and Florida's at 4.2% is  down from 4.21%. Zillow reported the national average rate for 15-year fixed home loans barely decreased at 3.85%, while the rate for a 5-1 adjustable-rate mortgage (ARM) is 3.26%. Zillow's rates are based on real-time mortgage quotes from lenders registered with, but not exclusively bound to the company. The national average comes from thousands of daily quotes given to anonymous borrowers through their website. State averages are also available. Write to Christine Ricciardi.