From the perspective of the lending financial institution, interest rate risk is o Bwer on a 15-year fixed-rate mortgage than on a 30-year fixed-rate mortgage O higher on a 15-year fixed-rate mortgage than on a 30-year fixed-rate mortgage. Hide Feedback o lower on a 30-year fixed-rate mortgage than on a 15-year fixed rate mortgage. higher on a 15-year adjustable-rate mortgage than on a 30-year adjustable-rate mortgage