The average rates offered by lenders on 30-year fixed-rate home loans fell to 4.93 percent this week from 4.97 percent the week before, mortgage giant Freddie Mac reported Thursday.

The average rate on 15-year fixed-rate mortgages was 4.33 percent, a notch below 4.34 percent last week.

Freddie Mac’s survey asks lenders the rates they are offering, and how much in upfront fees they would charge, for borrowers who have good credit and at least a 20 percent down payment or that percentage of home equity in case of a refinancing.

Upfront lender fees, or points, averaged 0.7 percent of the loan balance for the 30-year mortgage and 0.6 percent for the 15-year loan.

The five-year Treasury-indexed hybrid adjustable-rate mortgage, which offers a fixed rate for the first five years, averaged 4.12 percent with 0.5 percent in upfront fees. The one-year Treasury-indexed adjustable rate loan averaged 4.23 percent with 0.6 percent in points, according to the survey, which was conducted Monday through Wednesday.

Mortgage brokers say well-qualified borrowers often can obtain lower rates than those in Freddie Mac’s survey by shopping around.

For borrowers with good credit and 20 percent down, 30-year fixed mortgages were available at 4.75 percent Thursday morning with 1 percent in points, said broker Jeff Lazerson at Mortgage Grader in Laguna Niguel.