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 10/17/25

30 Year Fixed: 6.442%
15 Year Fixed: 5.675%
5/6 SOFR Conf.: 6.517%
7/6 SOFR Conf.: 6.267%
30 Year FHA: 5.989%
30 Year VA: 5.980%
30 Year Nonconf.: 6.469%
15 Year Nonconf.: 6.218%
5/6 SOFR Nonconf.: 5.878%
7/6 SOFR Nonconf.: 5.889%

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