What planet are you living on? Mortgage rates are lower than in 8 decades. What do you want? Lenders to lend you money at rates lower than ACTUAL INFLATION?
Necessities such as groceries, utility bills, doctors fees, lawyers fees for divorce and wills, property taxes, etc are escalating way above the FED interest rates.
Must be a local thing - rates are crawling upward - and with a dead market where we are tying to sell our old house - every move upward further closes down the real estate market.
You must be one of those folks that likes 19% mortgage rates?