by Calculated Risk on 7/17/2015 07:15:00 PM

From Matthew Graham at Mortgage News Daily: Mortgage Rates Slowly Approach July Lows

Mortgage rates continued the recent trend of very small improvements today. Most lenders are essentially unchanged, and while a few rate sheets were higher than yesterday's, they were the exception. The average improvement was so small that it would have no effect on the contract rate in most cases. That means closing costs would be just slightly lower for the same rates quoted yesterday. While some of the most aggressive lenders are back to quoting conventional 30yr fixed rates of 4.0%, most remain at 4.125%. ...
emphasis added

Here is a table from Mortgage News Daily:

Home Loan Rates

View More Refinance Rates