Expert poll: Mortgage rate trend predictions for June 18 - 24, 2026
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The majority of rate-watchers polled by Bankrate this week expect rates to stay flat in the coming days — but there was little consensus.
Of those polled, 50% say rates will stay rangebound this week. Another 38% say rates will rise, and just 13% say rates will drop.
The average 30-year fixed rate was 6.48% as of June 17, according to Bankrate’s national survey of large lenders.
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Explore mortgage ratesRate Trend Index
Experts predict where mortgage rates are headed
Week of June 17 - 24, 2026
| Go up | 38% |
|---|---|
| Stay the same | 50% |
| Go down | 13% |
Mortgage rates will be stable this week. The hawkish dot plot issued by the Fed has thrown cold water on any hope for a rate cut and will offset dropping oil prices.Melissa Cohn, Regional Vice President, William Raveis Mortgage
38% say rates will go up
Sean P. Salter, Ph.D.
Associate Professor of Finance and Dale Carnegie Trainer, Middle Tennessee State University , Murfreesboro , TN
While the [Federal Reserve]’s rate-target range was unchanged, many still expect a rate hike later in the year. That expectation — coupled with a recent rate hike from the European Central Bank — seems to be driving Treasury and bond yields higher, even with some good recent economic data reports.
Nicole Rueth
Senior Vice President, CrossCountry Mortgage , Greenwood Village , CO
The Fed held rates flat today, as expected, but new Fed Chair Kevin Warsh's first meeting signaled a more hawkish posture than markets had hoped for, with the dot plot showing a sharp bias toward higher rates by year-end. With the economy still running warmer than expected and a peace agreement with Iran expected Friday, but not yet signed, rates are drifting higher, not lower.
13% say rates will go down
Heather Devoto
Vice President, Branch Manager, First Home Mortgage , McLean , VA
We’re expecting rates to edge lower in the week ahead, as the market continues to react to the new Federal Reserve regime and the new monetary framework.
50% say unchanged–
Melissa Cohn
Regional Vice President, William Raveis Mortgage
Mortgage rates will be stable this week. The hawkish dot plot issued by the Fed has thrown cold water on any hope for a rate cut and will offset dropping oil prices.
Dr. Anthony O. Kellum
President & CEO, Kellum Mortgage , Roseville , MI
Much of the market has already priced in the expectation that the Fed will maintain its current stance. Unless we receive unexpected economic data or a significant shift in the Fed's outlook, I don't see a strong catalyst for rates to move materially higher or lower. What I'll be paying close attention to is the Fed's commentary on inflation, employment and the broader economy. Mortgage rates are influenced more by investor expectations and the bond market than by the federal funds rate itself.
Dick Lepre
Senior Loan Officer, Realfinity , Alamo , CA
In the short term, rates are likely to be flat.
James Sahnger
Mortgage Planner, C2 Financial Corporation , Palm Beach Gardens , FL
Kevin Warsh is the new sheriff in town at the Fed, and he made it clear this is his Fed and there will be many changes from the past Federal Reserves. First things first, though: There was no change to the federal funds rate, as expected. The tone of the statement and post-meeting commentary was more hawkish than expected and probably to the chagrin of Donald Trump. Rate reductions this year appear to be off the table with a possibility of rate hikes. Interest rates rose a bit Wednesday afternoon, but I expect that rates will be stable [for] the next week.