WASHINGTON — Mortgage rates climbed this week but are still at levels that will keep the housing market hardy, analysts say.

In its survey, mortgage giant Freddie Mac reported yesterday that rates on 30-year, fixed-rate mortgages rose to 5.73 percent for the week ending July 21. That was up from the 5.66 percent registered last week.

Except for two weeks in late March, 30-year mortgages rate have been below 6 percent all year.

Rates on 15-year, fixed-rate mortgages, a popular choice for refinancing a home mortgage, averaged 5.32 percent this week, up from 5.25 percent last week.

For one-year adjustable-rate mortgages, rates increased to 4.42 percent from 4.39 percent last week. The last time the one-year ARM was higher was the week ending Aug. 2, 2002.

Rates on five-year "hybrid" adjustable-rate mortgages averaged 5.26 percent, compared to 5.15 percent last week.

The nationwide averages do not include add-on fees known as points. Thirty-year mortgages and 15-year mortgages each carried an average fee of 0.4 point this week. One-year ARMS had an average fee of 0.6 point this week, while five-year ARMS carried a fee of 0.5.

A year ago, 30-year mortgages averaged 5.98 percent, 15-year mortgages were at 5.39 percent and one-year ARMs averaged 4.12 percent.

Freddie Mac — the Federal Home Loan Mortgage Corp. — does not have historical data on the five-year ARM, which it began tracking this year.