Magazyn Kieszeń (223) 07.28.2018

CENY @ 4:00 PM 07.28.2018

10 yr note:                      +5/32 (15 bp) 2.96% -1 bp
5 yr note:                        +1/32 (3 bp) 2.85% -0.5 bp
2 Yr note:                        +1/32 (3 bp) 2.67% -1 bp
30 yr bond:                     +8/32 (25 bp) 3.09% -1 bp
Libor Rates:                    1 mo 2.071%; 3 mo 2.338%; 6 mo 2.528%; 1 yr 2.816%  (7/26/18)
30 yr FNMA 4.0 Aug:    101.53 +3 bp (-8 bp frm 9:30)
15 yr FNMA 4.0:           102.31 +3 bp (-2 bp frm 9:30)
30 yr GNMA 4.0:          102.19 -3 bp (-6 bp frm 9:30)
Dollar/Yuan:                  $6.8137 +$0.0209
Dollar/Yen:                   111.00 -0.22 yen
Dollar/Euro:                 $1.1663 +$0.0020
Dollar Index:                94.65 -0.13
Gold:                             $1222.50 -$3.20
Crude Oil:                     $70.31 +$0.85
DJIA:                             25,416.56 -110.51
NASDAQ:                     7737.42 -114.77
S&P 500:                     2818.82 -18.62

Poland

Name				Value				Net Change			% Change				1 Month			1 Year	Time (EDT)	2 Day
WIG20:IND WIG 20				2,290.77				-13.90			-0.60%				+7.27%			-2.95%	11:15 AM
WIG:IND WSE WIG INDEX				59,650.51				-220.69			-0.37%				+6.61%			-4.35%	11:15 AM
WIG30:IND WIG30				2,625.72				-15.89			-0.60%				+6.52%			-4.40%	11:15 AM
Currency		Value			Change				Net Change				Time (EDT)		2 Day
EUR-USD		1.1657			0.0014				+0.12%				4:59 PM
USD-JPY		111.0500			-0.1800				-0.16%				4:59 PM
GBP-USD		1.3105			-0.0004				-0.03%				4:59 PM
AUD-USD		0.7400			0.0023				+0.31%				4:59 PM
USD-CAD		1.3055			-0.0019				-0.15%				4:59 PM
USD-CHF		0.9945			0.0003				+0.03%				4:59 PM
USD-CZK	21.9877			-0.0386		-0.18%		4:59 PM
USD-SKK	25.8404			-0.0359		-0.14%		4:59 PM
USD-PLN	3.6760			-0.0062		-0.17%		4:59 PM
USD-HUF	276.4500			-1.7700		-0.64%		4:59 PM
USD-RUB	62.7126			-0.2421		-0.38%		4:58 PM

 

Today’s Rates

Best Execution	Rate	Change
30 Yr FRM	4.72%	+0.00
15 Yr FRM	4.19%	-0.01
FHA 30 Year Fixed	4.42%	+0.00
Jumbo 30 Year Fixed	4.50%	+0.00
5/1 Yr ARM	4.01%	+0.01
Current Mortgage Rates » What are best-execution rates?

Average Mortgage Rates

	Rate	Points	Change
FHFA *
15 Yr. Fixed	3.65%	1.14	+0.09
30 Yr. Fixed	4.19%	1.21	+0.02

 

MBA **
30 Yr. Fixed	4.68%	0.46	-0.01
15 Yr. Fixed	4.12%	0.51	+0.05
30 Yr. Jumbo	4.55%	0.37	+0.00
30 Yr. FHA	4.69%	0.81	-0.04
5/1 ARM	3.83%	0.68	-0.10

 

Freddie Mac **
30 Yr. Fixed	4.52%	0.40	-0.01
15 Yr. Fixed	4.00%	0.40	-0.02
1 Yr. ARM	2.68%	0.20	+0.01
5/1 Yr. ARM	3.87%	0.30	+0.01
Current Mortgage Rates » * FHFA averages are updated monthly. ** Mortgage Bankers Association (each Wednesday) and Freddie Mac (each Thursday) averages are updated weekly.

Secondary Markets

MBS	Price	Change
30YR FNMA 3.0	96.28	-0.03
30YR FNMA 3.5	99.02	-0.03
30YR GNMA 3.0	97.63	+0.11
30YR GNMA 3.5	99.95	-0.08
15YR FNMA 3.0	98.98	-0.06
15YR FNMA 2.5	96.72	-0.06

 

Treasuries	Yield	Change
2 YR	2.6896%	+0.0162
5 YR	2.8648%	+0.0160
10 YR	2.9820%	+0.0093
30 YR	3.1039%	+0.0041
Prices as of: 7/26/2018 5:06PM ES

 

Mortgage Rate Averages

• Product
• Rate
• Change
• Last Week

• 30 yr fixed mtg
• 4.45%
• 0.08
• 4.37%

• 15 yr fixed mtg
• 3.85%
• 0.06
• 3.79%

• 30 yr fixed jumbo mtg
• 4.60%
• 0.06
• 4.54%

• 5/1 ARM
• 4.16%
• 0.06
• 4.10%

• 7/1 ARM
• 4.33%
• 0.10
• 4.23%

• 15 yr fixed jumbo mtg
• 4.52%
• 0.03
• 4.49%

• 10 yr fixed mtg
• 3.77%
• 0.06
• 3.71%

• 20 yr fixed mtg
• 4.30%
• 0.07
• 4.23%

CD Rate Averages

• Product
• Rate
• Change
• Last Week

• 3 yr CD
• 2.47%
• —
• 2.47%

• 6 month CD
• 1.53%
• 0.03
• 1.56%

• 1 yr CD
• 2.41%
• —
• 2.40%

• 5 yr CD
• 2.77%
• 0.04
• 2.73%

• 1 yr jumbo CD
• 1.80%
• —
• 1.80%

• 18 month CD
• 2.08%
• 0.03
• 2.05%

• 3 month CD
• 0.92%
• 0.01
• 0.91%

• 2 yr CD
• 2.62%
• —
• 2.62%

Credit Card Rate Averages

• Product
• Rate
• Change
• Last Week

• Low Interest Credit Cards
• 13.85%
• —
• 13.85%

• Balance Transfer Credit Cards
• 16.21%
• —
• 16.21%

• Student Credit Cards
• 16.48%
• —
• 16.48%

• Cash Back Credit Cards
• 17.19%
• —
• 17.19%

• Airline Credit Cards
• 16.91%
• —
• 16.91%

• Reward Credit Cards
• 17.03%
• —
• 17.03%

• Business Credit Cards
• 14.59%
• —
• 14.59%

• Credit Cards For Bad Credit
• 23.90%
• —
• 23.90%

Auto Loan Rate Averages

• Product
• Rate
• Change
• Last Week

• 60 month used car loan
• 4.35%
• —
• 4.35%

• 48 month used car loan
• 4.40%
• —
• 4.40%

• 48 month new car loan
• 3.89%
• 0.01
• 3.90%

• 36 month used car loan
• 4.30%
• 0.02
• 4.32%

• 36 month new car loan
• 3.64%
• 0.01
• 3.65%

• 60 month new car loan
• 4.04%
• 0.01
• 4.05%

• 72 month new car loan
• 3.90%
• —
• 3.90%

• 60 month auto refinance
• 3.12%
• —
• 3.12%

 

 

 

Top of Form Week Month 1-Year 3-Year Bottom of Form
[click item to view chart]	Current		Previous		Previous
	Quote		Day		Week
	Jul 27, 2018		Jul 26, 2018		Jul 20, 2018
	Quote	% Chg	Quote	% Chg	Quote	% Chg
Macroeconomic Statistics
Jun Core US CPI Rate	2.3%	4.5%	2.2%	0.0%	2.2%	0.0%
May Core US PCE Idx	2.00%	11.1%	1.80%	0.0%	1.80%	0.0%
Jun Non-Farm Payroll	213,000	-12.7%	244,000	0.0%	244,000	0.0%
Mortgage Rates
30 Yr FXD avg	4.54%	0.4%	4.52%	0.0%	4.52%	-1.1%
15 Yr FXD avg	4.02%	0.5%	4.00%	0.0%	4.00%	-1.0%
Fundamentals
1 Year CMT	2.4120%	0.0%	2.4120%	0.6%	2.3970%	4.0%
10 Year CMT	2.94%	-0.3%	2.95%	2.4%	2.88%	0.3%
2-Year Treasury	2.6730%	-0.5%	2.6860%	3.5%	2.5950%	3.8%
10-Year Treasury	2.9560%	-0.8%	2.9800%	2.9%	2.8950%	2.1%
30-Year Treasury	3.0830%	-0.6%	3.1020%	2.3%	3.0310%	1.9%
12 MTA	1.746%	5.8%	1.650%	0.0%	1.650%	0.0%
USD 6M LIBOR	2.5286%	0.2%	2.5225%	-0.2%	2.5273%	1.0%
USD 12M LIBOR	2.8166%	0.3%	2.8078%	0.0%	2.8074%	1.3%
USD 1M LIBOR	2.0716%	-0.3%	2.0769%	-0.2%	2.0810%	-1.0%
11th District COFI	0.885%	-1.1%	0.895%	0.0%	0.895%	0.0%
Federal Funds	2.00%	0.0%	2.00%	0.0%	2.00%	0.0%
Gold, Mini $/oz	1224.00	-0.7%	1232.25	0.0%	1232.00	-1.9%
Currencies
EUR/USD	1.1659	0.1%	1.1642	-0.7%	1.1723	1.4%
USD/JPY	110.9388	-0.1%	111.1035	-0.3%	111.4425	1.1%
GBP/USD	1.3117	0.1%	1.3109	-0.1%	1.3128	0.1%
USD/CAD	1.3064	-0.2%	1.3084	-0.4%	1.3140	-1.5%
AUD/USD	0.740615	0.4%	0.737721	-0.5%	0.741550	1.0%
USD/CHF	0.9936	-0.2%	0.9951	0.3%	0.9920	-0.4%