Rates on 30-year fixed-rate mortgages averaged 4.53 percent with an average point of 0.8 for the week ending Jan. 2, up from 4.48 percent last week and 3.34 percent a year ago, according to Freddie Mac’s latest Primary Mortgage Market Survey.

Rates on 15-year fixed-rate mortgages and five-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) loans also increased, while rates on one-year Treasury-indexed ARMs declined.

Source: Freddie Mac

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