mortgage rates in the us for thursday jan 5 rose from the previous day and declined from the same time last week according to data from bankrate the average daily rate for 30year fixedrate mortgages was 680 up 13 basis points from 667 the prior day and down 2 basis points 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 677 rising 11 basis points from the prior day and a decrease of 5 basis points from the same day last week mortgages with a 15year fixed rate averaged 608 up 5 basis points from the prior day and up 16 basis points from the previous week for jumbo loans which cover properties that are too pricey for a conventional conforming loan about 647000 in most areas the rate was 682 an increase of 17 basis points from the previous day and down 5 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 551 an increase of 2 basis points from the prior day and rising 3 basis points from the previous week the rate for 30year federal housing administrationinsured mortgages was 600 up 7 basis points from the previous day and down 4 basis points from the previous week mortgages backed by the department of veterans affairs reached a rate of 613 rising 10 basis points from the prior day and rising 14 basis points from the last week on a state level hawaii and alaska posted the largest dayoverday increase in mortgage rates climbing 23 basis points each to 698 and 723 respectively montana rounded out the top three increases at 699 up 21 basis points no states posted declines in mortgage rates on thursday editors note this story was autogenerated by automated insights an automation technology provider using data from bankrate