Mortgage rates soared one week after flirting with an all-time low in the Bankrate survey.

The average 30-year fixed-rate leapt 31 basis points, to 5.59 percent. A basis point is one-hundredth of a percentage point.

Meanwhile, this week's average 15-year fixed -- a popular option for refinancing -- rose 31 basis points, too, to 5.2 percent.

The average jumbo 30-year fixed increased 15 basis points, to 7.22 percent.

Adjustable-rate mortgages were split. The one-year adjustable-rate mortgage fell 22 basis points, to 5.91 percent. The popular 5/1 ARM climbed 7 basis points, to 5.58 percent.

The Mortgage Bankers Association delayed the release of its weekly mortgage application survey due to the presidential inauguration. Results will be released on Thursday morning.

In other mortgage news, the online foreclosure marketplace RealtyTrac released a study showing that foreclosure activity spiked by 81 percent during 2008.

There were 3.1 million foreclosure filings in 2008, up from 2.3 million in 2007. Filings were also up 225 percent from 2006.

About one in every 54 households in the U.S. received at least one foreclosure filing in 2008, according to the study. The states with the highest percentage of households receiving foreclosure filings last year were:

• Nevada: 7.29 percent.
• Florida: 4.52 percent.
• Arizona: 4.49 percent.
• California: 3.97 percent.
• Colorado: 2.41 percent.

To find and compare mortgage rates in your area, visit Bankrate's interactive search tool.

-- Chris Kissell

 See mortgage rates in your area.