The new year brought lower interest rates, and the housing market responded immediately. Mortgage demand spiked right on cue, signaling that consumers are eager to lock in better terms before rates potentially shift again.

Here's why this matters beyond real estate: when capital flows aggressively into traditional assets like housing, it often reflects broader investor sentiment about liquidity and risk appetite. Lower rates typically loosen money supply, which can reshape how institutional and retail capital allocates across different asset classes—bonds, equities, commodities, and yes, digital assets.

For those tracking macro trends, this surge tells us something important: consumer confidence is present, lending is accessible, and economic momentum is still in play heading into Q1. Watch how these dynamics play out over the coming weeks. Shifts in mortgage demand can be an early indicator of where capital might flow next across the broader investment landscape.