1. Mortgage Bankers Association: 2023: 30-yr FRM at 5.2% 2024 and 2025: 30-yr FRM at ~4.4% 2. Fannie Mae: 2023: 30-yr FRM at 6.3% 2024: 30-yr FRM at 5.6% 3. Freddie Mac: 2023: 30-yr FRM at 6.4% 4. Goldman Sachs: 2023: 30-yr FRM at 6.2%