mortgage rates in the us for thursday nov 17 climbed day over day and were up from the same time last week according to data from bankrate the average daily rate for a fixedrate loan for 30 years was 692 up 3 basis points from 689 the prior day and up 1 basis point from a week ago each 1 of a mortgage rate is made up of 100 basis points the refinance rate for 30year fixedrate loans was 693 up 2 basis points from the previous day and up 2 basis points from the prior week mortgages with a 15year fixed rate averaged 626 unchanged from the prior day and declining 1 basis point 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 693 up 5 basis points from the prior day and an increase of 6 basis points from the last 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 545 declining 7 basis points from the prior day and down 15 basis points from the same day last week the rate for 30year federal housing administrationinsured mortgages was 612 up 6 basis points from the prior day and up 2 basis points from seven days prior mortgages backed by the department of veterans affairs hit a rate of 631 an increase of 2 basis points from the previous day and up 23 basis points from the same day last week on a state level alabama saw mortgage rates rise the most day over day increasing 14 basis points to 699 followed by louisiana with a 13basispoint increase to 701 and mississippi at 704 up 13 basis points no states saw declines in mortgage rates on thursday editors note this story was autogenerated by automated insights an automation technology provider using data from bankrate