LoanWiseCompare mortgages
Back to LoanWise

Mortgage Rate Forecast

Historical Rates + Future Projection

FRED API (Live) · Updated: 5/22/2026, 5:03:42 PM
Notify me when rates drop belowCurrent: 6.51%
Current 30Y FixedPMMS
6.51%

Latest Data

May 2027 ForecastFNMA
6.20%

↓ 0.31% from current

May 2027 Moving AvgSMA
6.26%

↓ 0.25% from current

May 2027 ForecastWF
6.19%

↓ 0.32% from current

Lock vs Float Indicator
📈 FLOAT
Low6.34%
High6.75%
Avg6.50%
NOW: 6.65%
History Range
Forecast Range
30-Year Fixed Mortgage Rate
1 Year History + 1 Year Forecast
Historical
Fannie Mae
Moving Average
Wells Fargo
Period High
6.89%
Period Low
5.98%
Period Avg
6.36%
Current vs Avg
+0.15%
FAQ
Data Sources
Historical Data

Weekly 30-Year Fixed Rate Mortgage Average (PMMS) from Freddie Mac's Primary Mortgage Market Survey.

Fannie Mae Forecast

Quarterly forecasts from Fannie Mae's Economic and Strategic Research Group based on macroeconomic models.

Moving Average Forecast

Statistical forecast using a simple moving average of historical rates to project future movements.

Wells Fargo Forecast

Quarterly mortgage rate forecasts from Wells Fargo's Economic Outlook based on proprietary models.

Rate forecasts are based on Treasury futures data and historical spread analysis. This is for informational purposes only and should not be considered financial advice.

Rates looking favorable?

Connect with a licensed mortgage professional to lock in your rate and get personalized quotes.