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 7/6/26

30 Year Fixed: 6.688%
15 Year Fixed: 6.021%
5/6 SOFR Conf.: 6.447%
7/6 SOFR Conf.: 6.500%
30 Year FHA: 6.151%
30 Year VA: 6.134%
30 Year Nonconf.: 6.686%
15 Year Nonconf.: 6.495%
5/6 SOFR Nonconf.: 6.220%
7/6 SOFR Nonconf.: 6.209%

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