Mortgage rates posted mixed results this week, but the benchmark conforming 30-year fixed mortgage rate fell to a record low of 4.41 percent, according to Bankrate.com's weekly national survey. The average 30-year fixed mortgage has an average of 0.43 discount and origination points. The previous record low of 4.42 percent was set in October and November of 2010.

The average 15-year fixed mortgage increased to 3.63 percent while the larger jumbo 30-year fixed rate bounced to 4.94 percent. Adjustable rate mortgages were mostly lower, with the average 5-year ARM dropping to 3.12 percent and the 7-year ARM sinking to 3.27 percent. Both are record lows.

Prevailing economic concerns have kept mortgage rates at historically low levels. The average 30-year fixed mortgage rate has been below 5 percent in all but 11 weeks during the past year, and never as low as this week. A widely anticipated speech by Fed ChairmanBen Bernankeand a full slate of economic data in the next 10 days will steer perceptions about the economy as well as the direction of mortgage rates.

The last time mortgage rates were above 6 percent wasNov. 2008. At the time, the average 30-year fixed rate was 6.33 percent, meaning a$200,000loan would have carried a monthly payment of$1,241.86. With the average rate now 4.41 percent, the monthly payment for the same size loan would be$1,002.70, a difference of$239per month for anyone refinancing now.