WASHINGTON — Rates on 30-year mortgages were unchanged this week after posting three consecutive declines.

Freddie Mac, the mortgage company, reported yesterday that 30-year fixed-rate mortgages remained at 6.24 percent, the same as last week. That is the lowest level since rates were at 6.21 percent in mid-May.

"There were no definite upward or downward pressures on mortgage rates this week," said Frank Nothaft, chief economist at Freddie Mac.

The Federal Reserve has cut a key interest rate twice since September, but Fed Chairman Ben Bernanke said in congressional testimony last week that, at the moment, the Fed sees the risks of higher inflation and weaker growth as roughly balanced, a signal that the central bank may not cut rates again unless economic growth slides significantly.

Rates on other types of mortgages were mixed this week.

Rates on 15-year fixed-rate mortgages averaged 5.88 percent, down from 5.90 percent last week.

Rates on five-year adjustable-rate mortgages averaged 5.96 percent, up from 5.89 percent last week.

Rates on one-year ARMs were unchanged at 5.50 percent.