Expert poll: Mortgage rate trend predictions for Oct. 30 - Nov. 5, 2025
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Rates are likely to drop this week, say the majority of rate-watchers polled by Daily Tech Finance.
Of those polled, 57 percent predict rates will fall, 29 percent expect rates to stay flat, and 14 percent say rates will rise.
The average 30-year fixed rate was 6.25% as of Oct. 22, according to Daily Tech Finance’s national survey of large lenders, marginally less than the 6.26% average rate the previous week.
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Explore mortgage ratesRate Trend Index
Experts predict where mortgage rates are headed
Week of Oct. 30 - Nov. 5, 2025
| Go up | 14% |
|---|---|
| Stay the same | 29% |
| Go down | 57% |
Economic data is coming in on the … weak side. I expect the Fed to enunciate a dovish stance with its interest rate cut. Lower yields will be the result.Mark Hamrick, Daily Tech Finance
14% say rates will go up
Nicole Rueth
Market Leader, The Rueth Team of Movement Mortgage , Denver , CO
Mortgage rates edged slightly higher after Fed Chair Powell poured cold water on expectations for a December rate cut, stating it’s “not a foregone conclusion by a long shot.” He also clarified that MBS runoff will shift into short-term bills, not long-term Treasuries, offering no relief for mortgage rates. With no meaningful data the rest of this week and no jobs report next week, rates are likely to continue drifting higher in the absence of a strong countersignal.
57% say rates will go down
Derek Egeberg
Branch Manager, MortgageOne , Yuma , AZ
The government shutdown continues, gold and silver prices are at all-time highs, and both the consumer confidence index and consumer sentiment index decreased. All of those data points forecast lower rates, as the market continues to flow toward safety.
Mark Hamrick
Washington Bureau Chief, Senior Economic Analyst for Daily Tech Finance
Economic data is coming in on the … weak side. I expect the Fed to enunciate a dovish stance with its interest rate cut. Lower yields will be the result.
Dr. Anthony O. Kellum
President & CEO, Kellum Mortgage , Roseville , MI
I think interest rates are heading down this week. The consensus among analysts and market-watchers is that the Federal Reserve is likely to cut its benchmark interest rate when it wraps up its meeting later this week. Several key indicators are pointing in this direction. The labor market, which has been remarkably tight, is showing early signs of softening, with hiring growth slowing and unemployment claims edging higher. At the same time, inflation has begun to moderate, giving the Fed room to act without risking broader economic stability. Taken together, these trends suggest that the Fed is poised to ease borrowing costs, a move that could ripple across the housing market, lending and broader financial landscape.
Dick Lepre
Senior Loan Officer, Realfinity , Alamo , CA
Trend: lower. Markets have taken into account an FOMC decision to lower the overnight rate and solidified the belief that the Fed is on a lowering path.
29% say unchanged–
Ken Johnson
Walker Family Chair of Real Estate, University of Mississippi
Long-term mortgage rates and the yield on 10-year Treasuries have barely moved in the last week. This suggests two things: The expected rate cut by the Fed has already been absorbed by the market, and mortgage rates are being reflected by the current market yields. Next week, mortgage rates should go unchanged.
Robert J. Smith
Chief Economist, GetWYZ Mortgage
Fed news is out, and I do not expect much of a change in mortgage rates over the next week.