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The 30-year fixed mortgage rate on Zillow(R) Mortgages as of Dec. 23rd is currently 3.73 percent, up seven basis points from this time the previous week. The 30-year fixed mortgage rate rose early in the week, then hovered around 3.73 for the remainder of the week.

“Rates moved slightly higher last week, retreating from the 19-month lows recorded the previous week,” said Erin Lantz, vice president of mortgages at Zillow. “We expect mortgage rates to remain flat this week as lenders and consumers focus on the holiday.”

Zillow’s real-time mortgage rates are based on thousands of custom mortgage quotes submitted daily to anonymous borrowers on the Zillow Mortgages site, and reflect the most recent changes in the market.These are not marketing rates, or a weekly survey.

The rate for a 15-year fixed home loan is currently 2.96 percent, while the rate for a 5-1 adjustable-rate mortgage (ARM) is 2.85 percent.

For current rates for 30-year fixed mortgages by state, visit: http://www.zillow.com/mortgage-rates.

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