The Federal Reserve’s decision to raise its benchmark rate had no effect on rates this week because it came too late in the week to be factored into the Federal Home Loan Mortgage Corp.’s survey. The government-supported mortgage-backer aggregates current rates weekly from 125 lenders from across the country to come up with a national average mortgage rate.

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Historically, the central bank’s moves have little effect on mortgage rates. Last year, when the Fed raised the federal funds rate, mortgage rates rose initially before falling for six straight weeks.

“The good news is that lenders have been anticipating the Fed’s move and have baked the likelihood of a rate hike into their loan pricing, meaning that mortgage rates are unlikely to change dramatically from where they are today,” said Doug Lebda, founder and chief executive of LendingTree.

Still, many experts are predicting mortgage rates will continue to rise. Bankrate.com, which puts out a weekly mortgage-rate-trend index , found that almost two-thirds of the experts it surveyed think rates will move higher in the coming week.

“Historically, when the Fed has announced a rate hike, it has been beneficial for mortgage rates,” said Katy Parsons, a mortgage originator at Finance of America Mortgage. “But since the election, almost nothing has reacted the way we would expect.”

According to the latest data released Thursday by Freddie Mac, the 30-year fixed-rate average rose to 4.16 percent with an average 0.5 point. (Points are fees paid to a lender equal to 1 percent of the loan amount.) It was 4.13 percent a week ago and 3.97 percent a year ago.

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The 15-year fixed-rate average rose to 3.37 percent with an average 0.5 point. It was 3.36 percent a week ago and 3.22 percent a year ago. The five-year adjustable-rate average rose to 3.19 percent with an average 0.4 point. It was 3.17 percent a week ago and 3.03 percent a year ago.

“As was almost universally expected, the FOMC” — the Federal Open Market Committee — “closed the year with its one-and-only rate hike of 2016. The consensus of the committee points to more rate hikes in 2017,” Sean Becketti, Freddie Mac chief economist, said in a statement. “However, the experience of this year combined with the policy uncertainty that accompanies a new Administration suggests a wait-and-see outlook. … If rates continue their upward trend, expect mortgage activity to be significantly subdued in 2017.”

Meanwhile, mortgage applications decreased this week, according to the latest data from the Mortgage Bankers Association.

The market-composite index — a measure of total loan-application volume — slipped 4 percent from the previous week. The refinance index dipped 4 percent, and the purchase index dropped 3 percent.