The unemployment rate held steady at 5.1% in September, but only because we hit a 38-year low in terms of the total number of people who are either employed or looking for employment (i.e., people not looking for jobs don’t count towards unemployment). That’s not good news for America as a whole — but it’s great news for those of you who are employed, because it means that mortgage rates fell again. With the 30-year average approaching the all-time, historical lows of 2012.