This chart is the latest on rates. The 2012 bar is yearly average through today, which is 3.9% with 0.8 average points. Points are fees as a percentage of loan amount used to “buy the rate down.” Points are on top of normal closing costs associated with a loan transaction.
These rates are for loans to $417k on owner-occupied single family homes with at least 20% equity and perfect credit. Here’s a weekly snapshot with more disclosures.