Heitman Analytics

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.

As of

1/22/25

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30 Year Fixed:

7.108%

15 Year Fixed:

6.385%

5/6 SOFR Conf.:

7.198%

7/6 SOFR Conf.:

7.170%

30 Year FHA:

6.733%

30 Year VA:

6.675%

30 Year Nonconf.:

7.024%

15 Year Nonconf.:

6.872%

5/6 SOFR Nonconf.:

6.707%

7/6 SOFR Nonconf.:

6.651%

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