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 8/14/26

30 Year Fixed: 6.784%
15 Year Fixed: 6.107%
5/6 SOFR Conf.: 6.510%
7/6 SOFR Conf.: 6.559%
30 Year FHA: 6.287%
30 Year VA: 6.270%
30 Year Nonconf.: 6.859%
15 Year Nonconf.: 6.620%
5/6 SOFR Nonconf.: 6.237%
7/6 SOFR Nonconf.: 6.298%

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