Long-term mortgage rates increased this week as consumers continue to seek the stability of fixed-rate mortgages, according to a weekly survey from mortgage giant Freddie Mac (FRE). The 30-year fixed-rate mortgage averaged 5% with an average 0.7 point for the week ending Oct. 22, up from last week when it averaged 4.92%. Last year, the 30-year FRM averaged 6.04%. The 15-year FRM averaged 4.44% with an average 0.6 point, an increase from last week as well when the rate averaged 4.37%. A year ago, the 15-year FRM averaged 5.72%. The five-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 4.40% this week with an average 0.6 point, a jump from last week’s average of 4.38% but still below the 6.06% from a year ago. The one-year Treasury-indexed ARM averaged 4.54% with an average 0.6 point, slipping from last week when it averaged 4.38% and last year’s average of 6.06%. Frank Nothaft, the vice president and chief economist at Freddie Mac, said that the housing market is still trying to recover in the second half of 2009, and the Federal Reserve reported in its regional economic review an improvement in housing market conditions. A separate weekly survey conducted by Bankrate.com, which tracks large US banks and thrifts, placed the average 30-year FRM at 5.34%, up from 5.32% last week and down from 6.32% a year ago. The 15-year FRM also increased to 4.72% from 4.70% last week, but the five-eye ARM rate averaged 4.69%, sinking from 4.76% last week. Write to Jon Prior.