Heitman Analytics National Index (HANI)TM

The Heitman Analytics National Index (HANI)TM is a proprietary daily rate thermometer for the mortgage market. Multiple lenders in every state are quoted daily for each product, and then those rates are normalized to zero-point standards. Each product for every state has a then created daily rate. For the national index, these values are put through a Heitman Weighted Moving Average Index by state to account for the volume of mortgages closed. This index provides the most accurate representation of what each product's rate is on a national scale.

Data as of 9/22/26

30 Year Fixed: 7.168%
15 Year Fixed: 6.576%
5/6 SOFR Conf.: 6.683%
7/6 SOFR Conf.: 6.852%
30 Year FHA: 6.734%
30 Year VA: 6.714%
30 Year Nonconf.: 7.323%
15 Year Nonconf.: 7.007%
5/6 SOFR Nonconf.: 6.744%
7/6 SOFR Nonconf.: 6.717%

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