Mortgage rates continued the normal late-December trend of minimal movement today, but the average lender managed a microscopic improvement.  This wasn't nearly enough to change rates themselves (i.e. the "note rate" would be the same as it was yesterday on any given quote), but some quotes had slightly lower upfront costs.  

While they may be better than yesterday, today's rates are still very close to the highest levels since April 2014.   4.375% remains the most prevalent conventional 30yr fixed quote for top tier scenarios.  Several lenders still up at 4.5% and a few are down at 4.25%.

Barring the unforeseen, lenders will have little incentive to make meaningful adjustments to rates between now and the end of the year, thus decreasing the risk and reward associated with a "lock vs float" decision.