Freddie Mac’s Dec. 26 release of the results of its Primary Mortgage Market Survey® (PMMS®) shows average fixed mortgage rates little changed from the previous week as we head into the final days of 2013. The 30-year fixed-rate mortgage (FRM) averaged 4.48 percent; a year ago at this time, the 30-year FRM averaged 3.35 percent. The 15-year FRM average this week of 3.52 percent compares with 2.65 percent at this time a year ago.