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mortgage

Interest Rate Roundup

Here's a look at the state of interest rates on five common consumer banking products and the latest rates from Bankrate.com's weekly national survey of large banks and thrifts conducted June 10, 2009.

Mortgages

Rate: 5.95 percent (30-year fixed) Average Points: 0.42

Mortgage rates soared across the board, with the 30-year fixed ascending to its highest level since November 2008.

The average 30-year, fixed-rate jumped 30 basis points, to 5.95 percent. A basis point is one-hundredth of a percentage point. Rates have risen 71 basis points in three weeks.

This week's average 15-year fixed rate -- a popular option for refinancing -- leapt 31 basis points, to 5.37 percent.

The average jumbo 30-year fixed surged 28 basis points, to 6.96 percent.

Adjustable-rate mortgages also rocketed upward. The one-year, adjustable-rate mortgage rose 15 basis points, to 5.16 percent. The popular 5/1 ARM jumped 29 basis points, to 5.49 percent.

Mortgage application activity fell 7.2 percent for the week ending June 5 when compared to a week earlier, according to the Mortgage Bankers Association. It was the third straight week that mortgage activity declined sharply.

Refinancing activity plunged 11.8 percent. Refinancing accounted for 59.4 percent of all mortgage applications, the lowest share since November.

Meanwhile, applications for new purchases inched up 1.1 percent.

To find and compare mortgage rates in your area, visit Bankrate's interactive search tool.

-- Chris Kissell

 

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