There were few changes in mortgage rates today, and what little movement did occur was primarily downward, with one notable exception. The 30-year fixed rate inched up 2 basis points (a basis point equals 1/100 of a percent), though most other loans eased 1 or 2 points.

However, the 30-year fixed refinance loan once again bucked the mostly positive trend, soaring a whopping 22 basis points to 4.01%. Despite the wild swing in the 30-year fixed refinance loan, most rates still compare favorably with last month's.

Here are today's average mortgage rates across the U.S., along with where they stood a month ago.

Mortgage Type

Mortgage Rates Today

Mortgage Rates 1 Month Ago

30-year fixed jumbo

4.26%

4.43%

30-year fixed

3.83%

3.89%

15-year fixed

3.02%

3.10%

30-year fixed refinance

4.01%

3.87%

15-year fixed refinance

3.06%

3.08%

5/1 ARM

3.19%

3.16%

5/1 ARM refinance

3.27%

3.27%

Data source: Bloomberg. National average rates, which may include points.

Today's mortgage rates are still near historical lows, but homebuyers were enjoying even less costly loans this time last year. For some perspective, here are a few of the average mortgage rates from May 2016.

Mortgage Type

Mortgage Rates, May 2016

30-year fixed

3.60%

15-year fixed

2.84%

5/1 ARM

2.81%

Data source: Federal Home Loan Mortgage Corporation (Freddie Mac). Rates do not include points.

For homeowners researching a home equity line of credit (HELOC) or equity loan, the strong housing market continues to work wonders. HELOCs held steady at 5.34%, though equity loans erased yesterday's 2-point decline and returned to 5.26%. A month ago, HELOCs were at 5.30% and equity loans at 5.29%.

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