Rates!

Long-term mortgage interest rates were lower Wednesday, and the benchmark 10-year Treasury bond yield remained at 4.12 percent.

The 30-year fixed-rate average dropped to 5.37 percent, and the 15-year fixed-rate sank to 4.78 percent. The 1-year adjustable was down at 3.19 percent.

The 30-year Treasury bond yield stayed at 4.93 percent.

Rates are current as of 7:15 p.m. Eastern Standard Time.

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.

In other economic news, the Dow Jones Industrial Average was down 5.46 points, or 0.05 percent, finishing at 10,168.46. The Nasdaq was up 12.31 points, or 0.67 percent, closing at 1,850.41.

Stock and bond figures are current as of 7:30 p.m. Eastern Standard Time.