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This database contains information about the real estate transactions that occurred in New York state since 1993.Most of those forecasts are based on the fact that the Federal Reserve has ended its bond-buying program and is likely to slowly start raising its target interest rates this year in order to combat inflation.After several years of ultra-tight mortgage standards, there may be a break in the clouds for borrowers with less-than-perfect credit soon.The report found that although the total number of such defaults fell 6 percent to 142,462 from the previous year, the share of zombie foreclosures rose 21 percent from the same time in 2014.Even though long-term mortgage interest rates declined for the majority of the last year, most analysts are predicting that higher rates will make a comeback in 2015.