Mortgage applications decreased 8.5% from one week earlier, according to data from the Mortgage Bankers Association’s (MBA) weekly mortgage applications survey for the week ending Jan. 23, 2026.

On an unadjusted basis, the index decreased 16% compared with the previous week. MBA noted that the results include an adjustment for the Martin Luther King Jr. Day federal holiday.

The refinance index decreased 16% from the previous week and was 156% higher than the same week one year ago. The refinance share of mortgage activity decreased to 56.2% of total applications from 61.9 percent the previous week.

The seasonally adjusted purchase index details ⇒

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