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Market Commentary  19275
April, 2015 Data:

12 MONTH FORECAST
The 12 month forecast for the 15 Year Mortgage Interest Rate is in the table at
the top of this page. Forecast-Chart.com is forecasting that 15 Year Mortgage
Rates will be roughly 3.00% in one year. The table shows a HDTFA of 0.40%
which suggests that the May, 2016 rate could easily fall between 3.40% and
2.60%. Forecasts for many other interest rates may be found by clicking
INTEREST RATE FORECAST at the top of this page.

HISTORICAL 15 YEAR MORTGAGE RATE
Average (Last 12 Months)        3.16%.
Average (Last 10 Years)          4.41%
High (Last 12 Months)             3.31% (September, 2014)
Low (Last 12 Months)              2.94% (April, 2015)
High (Since September, 1991)    8.80% (December, 1994)
Low (Since September, 1991)      2.66% (April, 2013)

MONTHLY 15 YEAR MORTGAGE RATE
May, 2014     3.29%
Jun,  2014     3.27%
Jul,   2014     3.24%
Aug, 2014     3.25%
Sep, 2014     3.31%
Oct, 2014     3.21%
Nov, 2014     3.19%
Dec, 2014     3.13%
Jan,  2015     2.99%
Feb, 2015     3.01%
Mar, 2015     3.04%
Apr,  2015     2.94%



HIGHLIGHTS
The 15 Year Mortgage Interest Rate for April, 2015 averaged 2.942%. That's
10 basis points lower than the March, 2015 rate of 3.04%, and 45 basis points
lower than the April, 2014 rate of 3.39%.  The fall in rates from March to April
indicates that the short term rate trend has been down. If that market trend
continues, we should see an average daily rate in May, 2015 that is close to
2.844%.

The average 15 Year Mortgage Rate for the last 12 months was 3.16%. The
average rate over the last 10 years was 4.41%.  Lower rates over the last 12
months compared to the average rates over the last 10 years serve as an
indicator that the long term rate trend in 15 Year Mortgage Rates is down.

The highest annual rate over the last 12 months was 3.31%. The lowest was
2.94%. The high annual rate was attained in September, 2014. The market low
was achieved in April, 2015.

Forecast-Chart.com's historical research covers 15 Year Mortgage Rate data
back to September, 1991. The average annual rate during that period of history
was 5.81%. The highest rate was 8.80%. The lowest rate was 2.66%.  The
market high was attained in December of 1994. The market low was achieved in
April of 2013. Recent rates experienced in April of 2015 are low relative to the
historical 5.81% average.

This page provides a five year chart and a forecast for 15 Year Mortgage
Interest Rates. For links to longer term charts, look at the links under the five
year chart (above). One link opens a ten year chart. Another opens our longest
term graph on 15 Year Mortgage Rates. Just one glance at our long term charts
can provide tremendous insight into the historical trends of the financial
markets. The data table above presents the history of the 15 Year Mortgage
Rate in numerical format.
























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Historical 15 Year Mortgage Interest Rates
Year
Percent
Year
Percent
Year
Percent
Year
Percent
1992
1993
1994
1995
1996
1997
7.96
6.83
7.86
7.50
7.31
7.13
1998
1999
2000
2001
2002
2003
6.59
7.05
7.73
6.51
5.98
5.16
2004
2005
2006
2007
2008
2009
5.21
5.42
6.07
6.03
5.62
4.58
2010
2011
2012
2013
2014
4.10
3.69
2.93
3.11
3.29
Average annual rates for the 15 Year Mortgage are shown in this table: 1992
to present
Average daily rate per month for conventional 15 year mortgage rates are shown in gray.  Source:
Freddie Mac. The forecast for the  target month is shown in green.
15 Year Mortgage Rate - 5 Year History
15 Year Mortgage Rate Forecast
Target Month
Forecast
HDTFA
Forecast for the average daily mortgage
interest rate for the 15 year mortgage during
the target month shown at the left.
May 2016
3.0%
.40%
Updated Wednesday, May 20, 2015.
15 Year Mortgage Interest Rate Forecast
2.0%
3.0%
4.0%
5.0%
6.0%
15 Year Mortgage Forecast
Compare US Interest Rates
Current Analysis & Forecast: 15 Year Mortgage Rate
1/10
1/2011
1/2012
1/2013
1/2014
1/2015
1/2016
1/17