Rates on 30-year fixed-rate mortgages averaged 4.42 percent with an average point of 0.7 for the week ending Dec. 12, down from 4.46 percent last week but up from 3.32 percent a year ago, according to Freddie Mac’s latest Primary Mortgage Market Survey.

Rates on 15-year fixed-rate mortgages, five-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) loans and one-year Treasury-indexed ARMs also all fell this week.

Source: Freddie Mac