“Magazyn Kieszeń (225) 08.11.2018

PRICES @ 4:00 PM 08.11.2018

10 yr note:                      +15/32 (47 bp) 2.87% -6 bp
5 yr note:                        +9/32 (28 bp) 2.74% -7 bp
2 Yr note:                        +2/32 (6 bp) 2.61% -3 bp
30 yr bond:                     +34/32 (106 bp) 3.03% -5 bp
Libor Rates:                     1 mo 2.067%; 3 mo 2.338%; 6 mo 2.517%; 1 yr 2.827%
30 yr FNMA 4.0 Sept:   101.81 +22 bp (+9 bp frm 9:30)
15 yr FNMA 4.0:           102.50 +6 bp (+11 bp frm 9:30)
30 yr GNMA 4.0:          102.47 +11 bp (+3 bp frm 9:30)
Dollar/Yuan:                 $6.8480 +$0.0269
Dollar/Yen:                   110.83 -0.25 yen
Dollar/Euro:                  $1.1405 -$0.0120
Dollar Index:                96.32 +0.71
Gold:                             $1218.80 -$1.10
Crude Oil:                    $67.65 +$0.83
DJIA:                             25,313.14 -196.09
NASDAQ:                     7839.11 -52.67
S&P 500:                     2833.29 -20.29

Poland

Name	Value	Net Change	% Change	1 Month	1 Year	Time (EDT)	2 Day
WIG20:IND WIG 20	2,247.15	-77.58	-3.34%	+4.17%	-5.25%	11:15 AM
WIG:IND WSE WIG INDEX	58,783.91	-1,671.84	-2.77%	+3.87%	-5.50%	11:15 AM
WIG30:IND WIG30	2,578.72	-85.19	-3.20%	+3.79%	-6.25%	11:15 AM

 

 

Currency		Value		Change			Net Change		Time (EDT)			2 Day
EUR-USD		1.1413		-0.0114			-0.99%		4:59 PM
USD-JPY		110.8300		-0.2500			-0.23%		4:59 PM
GBP-USD		1.2758		-0.0066			-0.51%		4:59 PM
AUD-USD		0.7302		-0.0071			-0.96%		4:59 PM
USD-CAD		1.3140		0.0089			+0.68%		4:59 PM
USD-CHF		0.9952		0.0016			+0.16%		4:59 PM
USD-CZK		22.4705		0.2720	+1.23%		4:59 PM
USD-SKK		26.4006		0.2676	+1.02%		4:59 PM
USD-PLN		3.7656		0.0552	+1.49%		4:59 PM
USD-HUF		282.9900		4.6100	+1.66%		4:59 PM
USD-RUB		67.7347		1.0659	+1.60%		4:58 PM

 

 

Today’s Rates

Best Execution	Rate	Change
30 Yr FRM	4.64%	-0.06
15 Yr FRM	4.13%	-0.03
FHA 30 Year Fixed	4.37%	-0.03
Jumbo 30 Year Fixed	4.40%	-0.05
5/1 Yr ARM	3.95%	-0.04
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	4.59%	0.50	-0.01
15 Yr. Fixed	4.05%	0.50	-0.03
1 Yr. ARM	2.68%	0.20	+0.01
5/1 Yr. ARM	3.90%	0.30	-0.03
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	96.77	+0.34
30YR FNMA 3.5	99.41	+0.27
30YR GNMA 3.0	97.98	+0.25
30YR GNMA 3.5	100.39	+0.20
15YR FNMA 3.0	99.44	+0.20
15YR FNMA 2.5	97.14	+0.25

 

Treasuries	Yield	Change
2 YR	2.6083%	-0.0410
5 YR	2.7465%	-0.0627
10 YR	2.8732%	-0.0562
30 YR	3.0319%	-0.0406
Prices as of: 8/10/2018 5:06PM EST

 

Mortgage Rate Averages

• Product
• Rate
• Change
• Last Week

• 30 yr fixed mtg
• 4.44%
• 0.02
• 4.46%

• 15 yr fixed mtg
• 3.83%
• 0.03
• 3.86%

• 30 yr fixed jumbo mtg
• 4.57%
• 0.05
• 4.62%

• 5/1 ARM
• 4.12%
• 0.05
• 4.17%

• 7/1 ARM
• 4.26%
• 0.04
• 4.30%

• 15 yr fixed jumbo mtg
• 4.50%
• 0.04
• 4.54%

• 10 yr fixed mtg
• 3.75%
• 0.02
• 3.77%

• 20 yr fixed mtg
• 4.27%
• 0.03
• 4.30%

CD Rate Averages

• Product
• Rate
• Change
• Last Week

• 3 yr CD
• 2.47%
• —
• 2.47%

• 6 month CD
• 1.52%
• 0.01
• 1.53%

• 1 yr CD
• 2.43%
• 0.01
• 2.42%

• 5 yr CD
• 2.80%
• 0.03
• 2.77%

• 1 yr jumbo CD
• 1.77%
• 0.03
• 1.80%

• 18 month CD
• 2.09%
• 0.01
• 2.08%

• 3 month CD
• 0.92%
• —
• 0.92%

• 2 yr CD
• 2.65%
• —
• 2.65%

Credit Card Rate Averages

• Product
• Rate
• Change
• Last Week

• Low Interest Credit Cards
• 13.89%
• 0.02
• 13.87%

• Balance Transfer Credit Cards
• 16.22%
• 0.03
• 16.19%

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

• Cash Back Credit Cards
• 17.30%
• 0.04
• 17.26%

• Airline Credit Cards
• 16.93%
• 0.02
• 16.91%

• Reward Credit Cards
• 17.10%
• 0.03
• 17.07%

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

• Credit Cards For Bad Credit
• 24.18%
• —
• 24.18%

Auto Loan Rate Averages

• Product
• Rate
• Change
• Last Week

• 60 month used car loan
• 4.35%
• 0.01
• 4.34%

• 48 month used car loan
• 4.38%
• 0.01
• 4.39%

• 48 month new car loan
• 3.89%
• 0.01
• 3.88%

• 36 month used car loan
• 4.29%
• 0.02
• 4.31%

• 36 month new car loan
• 3.64%
• 0.01
• 3.63%

• 60 month new car loan
• 4.06%
• 0.02
• 4.04%

• 72 month new car loan
• 3.89%
• 0.02
• 3.87%

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

Week Month 1-Year 3-Year
[click item to view chart]	Current		Previous		Previous
	Quote		Day		Week
	Aug 10, 2018		Aug 9, 2018		Aug 3, 2018
	Quote	% Chg	Quote	% Chg	Quote	% Chg
Macroeconomic Statistics
Jul Core US CPI Rate	2.4%	4.3%	2.3%	0.0%	2.3%	0.0%
Jun Core US PCE Idx	1.90%	0.0%	1.90%	0.0%	1.90%	0.0%
Jul Non-Farm Payroll	157,000	-36.7%	248,000	0.0%	248,000	0.0%
Mortgage Rates
30 Yr FXD avg	4.59%	-0.2%	4.60%	0.0%	4.60%	1.8%
15 Yr FXD avg	4.05%	-0.7%	4.08%	0.0%	4.08%	2.3%
Fundamentals
1 Year CMT	2.3990%	-1.0%	2.4230%	0.6%	2.4081%	3.2%
10 Year CMT	2.96%	-0.7%	2.98%	-0.7%	3.00%	4.9%
2-Year Treasury	2.6040%	-1.8%	2.6530%	0.4%	2.6432%	2.1%
10-Year Treasury	2.8640%	-2.2%	2.9280%	-0.7%	2.9488%	3.2%
30-Year Treasury	3.0210%	-1.6%	3.0700%	-0.6%	3.0886%	4.4%
12 MTA	1.841%	5.5%	1.746%	0.0%	1.746%	0.0%
USD 6M LIBOR	2.5171%	0.0%	2.5170%	-0.5%	2.5305%	0.7%
USD 12M LIBOR	2.8275%	0.0%	2.8278%	0.0%	2.8278%	1.7%
USD 1M LIBOR	2.0673%	0.2%	2.0634%	-0.8%	2.0802%	0.7%
11th District COFI	0.934%	5.5%	0.885%	0.0%	0.885%	0.0%
Federal Funds	2.00%	0.0%	2.00%	0.0%	2.00%	0.0%
Gold, Mini $/oz	1218.50	-0.1%	1219.75	-0.5%	1226.25	-1.4%
Currencies
EUR/USD	1.1392	-1.1%	1.1520	-0.4%	1.1568	-1.0%
USD/JPY	110.5874	-0.5%	111.1526	-0.1%	111.3004	-0.6%
GBP/USD	1.2757	-0.4%	1.2814	-1.5%	1.3011	-1.5%
USD/CAD	1.3136	0.6%	1.3055	0.4%	1.3000	-1.7%
AUD/USD	0.728758	-1.2%	0.737253	-0.3%	0.739635	0.5%
USD/CHF	0.9958	0.3%	0.9929	-0.2%	0.9950	-0.1%