BUTLER, N.J. -- The Federal Reserve Board's recent half-point increase in short-term interest rates has so far had only a small impact on mortgage rates, according to a weekly survey by HSH Associates, a publisher of information on the home loan market.

"The hike itself had been anticipated by most credit market observers," HSH said. It added that the only question had been whether the increase imposed Aug. 16 would be just a quarter of a point or half a point.

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