As the summer winds down, mortgage rates are still showing little enthusiasm for moving much in either direction. According to the latest data released Thursday by Freddie Mac, the 30-year fixed-rate average was unchanged at 4.1 percent with an average 0.5 point. It was 4.51 percent a year ago. Since late June, the 30-year fixed rate hasn’t been above 4.14 percent or below 4.1 percent.