Is "it depends" an ok answer 
Rates are going to be, in general, lower than historical averages for a bit here. By that I mean we're not in the normal mode where a refinance boom is followed by a period of sharply (like 2%+ jump) higher rates. That would require the economy to take off and that isn't happening right now.
For today's absurdly out of context 6-week stay at the lowest rates ever, that already looks like it is starting to cross over and that rates are trying to move higher. All technical signs say the rally is ending. Will rates be 4.5% forever? Absolutely not. It's a powder keg needing one spark. What no one knows if that is today, next week, next month, etc.