us mortgage rates for monday jan 30 rose from the previous day and were flat from the same time last week according to data from bankrate the average daily rate for a fixedrate loan for 30 years was 651 up 3 basis points from 648 the prior day and flat from seven days prior each 1 of a mortgage rate is made up of 100 basis points the refinance rate for 30year fixedrate loans was 655 a decrease of 1 basis point from the previous day and declining 5 basis points from the previous week mortgages with a 15year fixed rate averaged 570 up 3 basis points from the prior day and a decrease of 4 basis points from the last week for jumbo loans which cover properties that are more expensive than those under a conventional conforming loan about 647000 in most areas the rate was 655 rising 3 basis points from the prior day and a decrease of 3 basis points from the prior week as for 51 adjustablerate mortgages which carry a fixed rate for five years that can then rise or fall each year after the average was 537 steady from the previous day and down 3 basis points from the previous week the rate for 30year federal housing administrationinsured mortgages was 588 up 7 basis points from the previous day and down 14 basis points from the previous week mortgages backed by the department of veterans affairs reached a rate of 583 steady from the previous day and declining 14 basis points from the prior week on a state level california saw mortgage rates rise the most day over day increasing 6 basis points to 657 followed by florida with a 5basispoint increase to 651 and rhode island at 655 up 5 basis points no states saw declines in mortgage rates on monday editors note this story was autogenerated by automated insights an automation technology provider using data from bankrate