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.

Data as of 8/29/25

30 Year Fixed:

6.626%

15 Year Fixed:

5.750%

5/6 SOFR Conf.:

6.685%

7/6 SOFR Conf.:

6.494%

30 Year FHA:

6.103%

30 Year VA:

6.134%

30 Year Nonconf.:

6.582%

15 Year Nonconf.:

6.373%

5/6 SOFR Nonconf.:

6.016%

7/6 SOFR Nonconf.:

6.042%

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