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 10/5/26

30 Year Fixed: 7.553%
15 Year Fixed: 6.790%
5/6 SOFR Conf.: 6.861%
7/6 SOFR Conf.: 7.139%
30 Year FHA: 7.033%
30 Year VA: 7.062%
30 Year Nonconf.: 7.640%
15 Year Nonconf.: 7.185%
5/6 SOFR Nonconf.: 6.950%
7/6 SOFR Nonconf.: 6.958%

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