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 12/12/25

30 Year Fixed:

6.408%

15 Year Fixed:

5.672%

5/6 SOFR Conf.:

6.471%

7/6 SOFR Conf.:

6.411%

30 Year FHA:

5.967%

30 Year VA:

6.011%

30 Year Nonconf.:

6.509%

15 Year Nonconf.:

6.244%

5/6 SOFR Nonconf.:

6.002%

7/6 SOFR Nonconf.:

6.007%

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