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

7/3/25

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30 Year Fixed:

6.866%

15 Year Fixed:

5.992%

5/6 SOFR Conf.:

6.975%

7/6 SOFR Conf.:

6.963%

30 Year FHA:

6.380%

30 Year VA:

6.412%

30 Year Nonconf.:

6.757%

15 Year Nonconf.:

6.579%

5/6 SOFR Nonconf.:

6.215%

7/6 SOFR Nonconf.:

6.188%

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