The 15-Year Mortgage Rate represents the average interest rate charged by lenders for a fixed-rate mortgage with a 15-year term. This rate is typically lower than the 30-year rate, making it attractive for borrowers who want to build equity faster and pay less total interest. It serves as a key indicator of borrowing costs in the shorter-term housing finance market. Fluctuations in this rate are closely tied to movements in Treasury yields and broader monetary policy.
The rate is derived from the Mortgage Bankers Association's Weekly Mortgage Applications Survey, which aggregates data from various financial institutions. It reflects the average contract interest rate for 15-year fixed-rate mortgages with a 20% down payment.
| Date | Actual | Forecast | Surprise |
|---|---|---|---|
| Aug 27, 2026 | 5.98 | — | — |
| Aug 20, 2026 | 5.95 | — | — |
| Aug 13, 2026 | 6.01 | — | — |
| Aug 6, 2026 | 6.01 | — | — |
| Jul 30, 2026 | 6.04 | — | — |
| Jul 23, 2026 | 5.96 | — | — |
| Jul 16, 2026 | 5.93 | — | — |
| Jul 9, 2026 | 5.82 | — | — |
| Jul 2, 2026 | 5.79 | — | — |
| Jun 25, 2026 | 5.84 | — | — |
| Jun 18, 2026 | 5.81 | — | — |
| Jun 11, 2026 | 5.84 | — | — |
| Jun 4, 2026 | 5.79 | — | — |
| May 28, 2026 | 5.87 | — | — |
| May 21, 2026 | 5.85 | — | — |
| May 14, 2026 | 5.71 | — | — |
| May 7, 2026 | 5.72 | — | — |
| Apr 30, 2026 | 5.64 | — | — |
| Apr 23, 2026 | 5.58 | — | — |
| Apr 16, 2026 | 5.65 | — | — |
| Apr 9, 2026 | 5.74 | — | — |
| Mar 26, 2026 | 5.75 | — | — |
| Mar 19, 2026 | 5.54 | — | — |
| Mar 12, 2026 | 5.50 | — | — |
| Mar 5, 2026 | 5.43 | — | — |
| Feb 26, 2026 | 5.44 | — | — |
| Feb 19, 2026 | 5.35 | — | — |
| Feb 12, 2026 | 5.44 | — | — |
| Feb 5, 2026 | 5.50 | — | — |
| Jan 29, 2026 | 5.49 | — | — |
| Jan 22, 2026 | 5.44 | — | — |
| Jan 15, 2026 | 5.38 | — | — |
| Jan 8, 2026 | 5.46 | — | — |
| Dec 31, 2025 | 5.44 | — | — |
| Dec 24, 2025 | 5.50 | — | — |
| Dec 18, 2025 | 5.47 | — | — |
| Dec 11, 2025 | 5.54 | — | — |
| Dec 4, 2025 | 5.44 | — | — |
| Nov 26, 2025 | 5.51 | — | — |
| Nov 20, 2025 | 5.54 | — | — |
| Nov 13, 2025 | 5.49 | — | — |
| Nov 6, 2025 | 5.50 | — | — |
| Oct 30, 2025 | 5.41 | — | — |
| Oct 23, 2025 | 5.44 | — | — |
| Oct 16, 2025 | 5.52 | — | — |
| Oct 9, 2025 | 5.53 | — | — |
| Oct 2, 2025 | 5.55 | — | — |
| Sep 25, 2025 | 5.49 | — | — |
| Sep 18, 2025 | 5.41 | — | — |
| Sep 11, 2025 | 5.50 | — | — |
