Mortgage rates were little changed this week, with the 30-year fixed-rate mortgage averaging 4.51 percent, Freddie Mac reports in its weekly mortgage market survey. 

Freddie Mac reports the following national averages with mortgage rates for the week ending Jan. 9: 

• 30-year fixed-rate mortgages averaged 4.51 percent, with an average 0.7 point, dropping from last week’s 4.53 percent average. Last year at this time, 30-year rates averaged 3.40 percent. 
• 15-year fixed-rate mortgages averaged 3.56 percent, with an average 0.6 point, rising slightly from last week’s 3.55 percent average. A year ago, 15-year rates averaged 2.66 percent. 
• 5-year hybrid adjustable-rate mortgages averaged 3.15 percent, with an average 0.4 point, rising from last week’s 3.05 percent average. Last year, 5-year ARMs averaged 2.67 percent. 
• 1-year ARMs averaged 2.56 percent, with an average 0.5 point, holding the same average as last week. A year ago, 1-year ARMs averaged 2.60 percent. 

Source: Freddie Mac