I have said this before and I will say it again, if I knew that, I would be a millionaire !!!
They have been holding for now. All I can say is that now is a great time to buy a house and now is a great time to lock in a rate.
I would imagine they will inch up over the course of the next few months. They have to control inflation so it is going to happen one way or another.
The good news is that they are holding for now. I am excited for rates to go up because it will weed out the competition. Over the past 3 years everyone and their brother has got into real estate or mortgages. Only the strong survive.