the dancing mortgage banana

So I wake up at 2:58 am and have to pee and get some water, but I also log in to hotmail to check my message.

When I eventually pull up the messagem there is a banana with a fruit basket at the top of it, all 50 states down the middle and a banner across the bottom. It reads "Mortgage Rates Hit Record Lows".

My questions are:
Why a banana? What does a banana have to do with mortgage rates? Why is the banana wearing a banner and fruit basket hat? Why does the banana also look like a dildo?

This is a very tramatic thing to see at 3am :)

Goodnight-
T