Expectations of a rate cut from the Federal Reserve this afternoon has pulled the 30-year fixed rate mortgage down to it’s lowest level since September 2022, according to a report from the Mortgage Bankers Association.

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US mortgage rates declined last week to the lowest level since September 2022 in anticipation of Federal Reserve interest-rate cuts, stoking an influx of applications for home purchases and refinancing.

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Mortgage rates on 30-year rates crossed a major threshold, declining to their cheapest level since early 2023. 15-year mortgage rates also dropped sharply, eclipsing the previous 19-month low.

The median interest rate on a 30-year fixed-rate mortgage is 5.990% as of September 16, which is unchanged from Friday. Additionally, the median interest rate on a 15-year fixed-rate mortgage is 4.990%, which is 0.010 percentage points lower than on Friday.

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Mortgage refi rates for 30-year loans dropped to their lowest level since early 2023. Refi rates have been declining steadily for the past few weeks.

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