U.S. mortgage rates just hit their lowest level in nearly three months. The 30-year fixed rate mortgage averaged 6.15% for the week ending December 31st—the lowest we've seen since early October. That's down from 6.18% the previous week, showing a steady downward trend.

Why does this matter? Mortgage rates are a reliable barometer of broader economic conditions and market sentiment. When rates dip, it typically signals easing financial conditions, which can ripple across asset classes—including crypto markets. Lower mortgage rates often coincide with periods of increased risk appetite and institutional capital rotation.

The shift reflects market expectations around inflation cooling and potential shifts in monetary policy. For investors tracking macro cycles, this data point is worth monitoring alongside traditional equities, bonds, and alternative assets like cryptocurrencies. The economic backdrop matters when positioning portfolios.