The average 30-year fixed mortgage rate climbed to 5.65 percent this week, according to Bankrate.com's weekly national survey. The average 30-year fixed mortgage has an average of 0.46 discount and origination points.

The average 15-year fixed rate mortgage jumped to 4.97 percent, while the average jumbo 30-year fixed rate inched higher to 6.63 percent. Adjustable rate mortgages were no exception, with the average 1-year ARM rising to 5.20 percent and the 5-year ARM rebounding to 5.03 percent.

As the economic outlook brightens, mortgage rates moved higher but remain within the familiar range seen throughout the summer. Economic output seems to have bottomed in the second quarter and employers are cutting jobs at a slower pace than was the case just a few months ago. Higher home sales and an uptick in manufacturing have also lifted spirits, as well as Treasury yields. Mortgage rates are closely related to yields on long-term government bonds.

Mortgage rates remain much lower than one year ago. This time last year, the average 30-year fixed mortgage rate was 6.74 percent, meaning a $200,000 loan would have carried a monthly payment of $1,295.87. With the average rate now 5.65 percent, the monthly payment for the same size loan would be $1,154.47, a savings of $141 per month for a homeowner refinancing now.

SURVEY RESULTS

30-year fixed: 5.65% - up from 5.56% last week (avg. points: 0.46)

15-year fixed: 4.97% - up from 4.88% last week (avg. points: 0.39)

5/1 ARM: 5.03% - up from 4.95% last week (avg. points: 0.38)

Bankrate's national weekly mortgage survey is conducted each Wednesday from data provided by the top 10 banks and thrifts in the top 10 markets.