The 30-year fixed-mortgage rate (FRM) remained consistent from week-to-week nationally averaging 4.38%, according to Zillow Mortgage Marketplace‘s weekly update. This is up only .01% or 1 basis point from last week’s average according to their data. Regionally 30-year rates are varying.  California’s current rate is 4.34%, down from 4.37% last week, as is Colorado’s at 4.28%, down from 4.41%.  Rates increased in New York to 4.46% (from 4.32%), Texas to 4.36% (from 4.45%), Washington to 4.56% (from 4.54%) and Massachusetts to 4.61% (from 4.54%) from last week. The 30-year fix in Florida remained unchanged at 4.33%. Zillow reported the rate for 15-year fixed home loans at a national average 3.87%, while the rate for a 5-1 adjustable-rate mortgage (ARM) is at 3.37%. 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. Disclosure: the author holds no relevant investments in this company.