The more things change, the more they stay the same.

30-year fixed rate at 5.78%; 10-year Treasury yield at 4.73%

Long-term mortgage interest rates barely budged Thursday, and the benchmark 10-year Treasury bond yield stayed at 4.73 percent.

The 30-year fixed-rate average dipped to 5.78 percent, and the 15-year fixed rate held at 5.57 percent. The 1-year adjustable increased to 5.38 percent.

The 30-year Treasury bond yield decreased to 4.84 percent.

Mortgage rate figures are according to Bankrate.com, which publishes nightly averages based on its survey of 4,000 banks in 50 states. Points on these mortgages range from zero to 3.5.

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