Magazyn Kieszeń (235) 10.19.2018

CENY @ 4:00 PM 10.19.18

10 yr note:                 -4/32 (12 bp) 3.20% +2 bp
5 yr note:                   -2/32 (6 bp) 3.04% +1 bp
2 Yr note:                   -1/32 (3 bp) 2.90% +1 bp
30 yr bond:                -8/32 (25 bp) 3.38% +2 bp
Libor Rates:                1 mo 2.279%; 3 mo 2.469%; 6 mo 2.694%; 1 yr 3.000%  (10/18/18)
30 yr FNMA 4.5:       102.23 -14 bp (-9 bp frm 9:30)
15 yr FNMA 4.0:       101.47 -4 bp (-11 bp frm 9:30)
30 yr GNMA 4.5:      102.33 -21 bp (-12 bp frm 9:30)
Dollar/Yuan:              $6.9296 -$0.0082
Dollar/Yen:                112.56 +0.37 yen
Dollar/Euro:               $1.1505 +$0.0053
Dollar Index:              95.73 -0.25
Gold:                           $1229.20 -$0.90
Crude Oil:                  $69.32 +$0.67
DJIA:                          25,444.34 +64.89
NASDAQ:                   7449.03 -36.11
S&P 500:                   2767.78 -1.00

Poland

Name			Value		Net Change		% Change		1 Month			1 Year	Time (EDT)	2 Day
WIG20:IND WIG 20			2,196.99		+8.89		+0.41%		-2.68%			-10.89%	11:15 AM
WIG:IND WSE WIG INDEX			56,642.84		+81.91		+0.14%		-2.74%			-11.11%	11:15 AM
WIG30:IND WIG30			2,494.13		+8.02		+0.32%		-2.80%			-12.08%	11:15 AM
Currency	Value		Change		Net Change		Time (EDT)		2 Day
EUR-USD	1.1514		0.0061		+0.53%		4:59 PM
USD-JPY	112.5500		0.3400		+0.30%		4:59 PM
GBP-USD	1.3076		0.0058		+0.45%		4:59 PM
AUD-USD	0.7119		0.0020		+0.28%		4:59 PM
USD-CAD	1.3104		0.0019		+0.15%		4:59 PM
USD-CHF	0.9960		0.0003		+0.03%		4:59 PM

 

USD-CZK	22.4580	-0.1355	-0.60%	4:59 PM
USD-SKK	26.1647	-0.1392	-0.53%	4:59 PM
USD-PLN	3.7307	-0.0273	-0.73%	4:59 PM
USD-HUF	280.6900	-1.7000	-0.60%	4:59 PM
USD-RUB	65.4606	-0.3287	-0.50%	4:58 PM

 

 

 

 

Today’s Rates

Best Execution	Rate	Change
30 Yr FRM	4.97%	-0.03
15 Yr FRM	4.45%	-0.03
FHA 30 Year Fixed	4.50%	-0.05
Jumbo 30 Year Fixed	4.40%	-0.03
5/1 Yr ARM	4.50%	+0.00
Current Mortgage Rates » What are best-execution rates?

Average Mortgage Rates

	Rate	Points	Change
FHFA *
15 Yr. Fixed	4.15%	1.16	-0.02
30 Yr. Fixed	4.78%	1.15	+0.01

 

MBA **
30 Yr. Fixed	4.96%	0.49	-0.01
15 Yr. Fixed	4.39%	0.50	+0.01
30 Yr. Jumbo	4.93%	0.31	+0.01
30 Yr. FHA	4.95%	0.80	+0.01
5/1 ARM	4.24%	0.48	+0.02

 

Freddie Mac **
30 Yr. Fixed	4.85%	0.50	-0.05
15 Yr. Fixed	4.26%	0.40	-0.03
1 Yr. ARM	2.68%	0.20	+0.01
5/1 Yr. ARM	4.10%	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	94.52	+0.14
30YR FNMA 3.5	97.34	+0.13
30YR GNMA 3.0	95.70	+0.08
30YR GNMA 3.5	98.20	-0.19
15YR FNMA 3.0	98.00	+0.05
15YR FNMA 2.5	95.61	+0.06

 

Treasuries	Yield	Change
2 YR	2.8783%	-0.0164
5 YR	3.0289%	-0.0326
10 YR	3.1805%	-0.0264
30 YR	3.3661%	-0.0087

 

Mortgage Rate Averages

• Product
• Rate
• Change
• Last Week

• 30 yr fixed mtg
• 4.75%
• 0.01
• 4.76%

• 15 yr fixed mtg
• 4.09%
• 0.07
• 4.02%

• 30 yr fixed jumbo mtg
• 4.87%
• 0.05
• 4.82%

• 5/1 ARM
• 4.41%
• 0.03
• 4.38%

• 7/1 ARM
• 4.56%
• 0.10
• 4.46%

• 15 yr fixed jumbo mtg
• 4.64%
• 0.05
• 4.59%

• 10 yr fixed mtg
• 4.01%
• 0.07
• 3.94%

• 20 yr fixed mtg
• 4.58%
• 0.04
• 4.54%

CD Rate Averages

• Product
• Rate
• Change
• Last Week

• 3 yr CD
• 2.70%
• 0.02
• 2.68%

• 6 month CD
• 1.63%
• 0.07
• 1.56%

• 1 yr CD
• 2.57%
• —
• 2.56%

• 5 yr CD
• 2.93%
• 0.05
• 2.88%

• 1 yr jumbo CD
• 1.88%
• 0.00
• 1.88%

• 18 month CD
• 2.29%
• 0.18
• 2.11%

• 3 month CD
• 0.98%
• 0.01
• 0.97%

• 2 yr CD
• 2.72%
• 0.01
• 2.71%

Credit Card Rate Averages

• Product
• Rate
• Change
• Last Week

• Low Interest Credit Cards
• 14.17%
• 0.01
• 14.16%

• Balance Transfer Credit Cards
• 16.34%
• 0.01
• 16.33%

• Student Credit Cards
• 17.20%
• —
• 17.20%

• Cash Back Credit Cards
• 17.14%
• 0.05
• 17.19%

• Airline Credit Cards
• 17.05%
• —
• 17.05%

• Reward Credit Cards
• 17.06%
• 0.02
• 17.08%

• Business Credit Cards
• 14.74%
• —
• 14.74%

• Credit Cards For Bad Credit
• 24.30%
• —
• 24.30%

Auto Loan Rate Averages

• Product
• Rate
• Change
• Last Week

• 60 month used car loan
• 4.34%
• —
• 4.34%

• 48 month used car loan
• 4.52%
• 0.01
• 4.51%

• 48 month new car loan
• 4.52%
• —
• 4.52%

• 36 month used car loan
• 4.47%
• —
• 4.47%

• 36 month new car loan
• 4.46%
• 0.01
• 4.45%

• 60 month new car loan
• 4.68%
• —
• 4.68%

• 72 month new car loan
• 4.62%
• 0.02
• 4.64%

• 60 month auto refinance
• 3.00%
• —
• 3.00

Top of Form Week Month 1-Year 3-Year Bottom of Form
[click item to view chart]	Current		Previous		Previous
	Quote		Day		Week
	Oct 19, 2018		Oct 18, 2018		Oct 12, 2018
	Quote	% Chg	Quote	% Chg	Quote	% Chg
Macroeconomic Statistics
Sep Core US CPI Rate	2.2%	0.0%	2.2%	0.0%	2.2%	0.0%
Aug Core US PCE Idx	2.00%	0.0%	2.00%	0.0%	2.00%	0.0%
Sep Non-Farm Payroll	134,000	-50.4%	270,000	0.0%	270,000	0.0%
Mortgage Rates
30 Yr FXD avg	4.85%	-1.0%	4.90%	0.0%	4.90%	6.5%
15 Yr FXD avg	4.26%	-0.7%	4.29%	0.0%	4.29%	5.7%
Fundamentals
1 Year CMT	2.6720%	0.2%	2.6670%	0.6%	2.6520%	2.9%
10 Year CMT	3.19%	0.9%	3.16%	-1.9%	3.22%	7.7%
2-Year Treasury	2.9080%	0.9%	2.8830%	0.8%	2.8610%	2.5%
10-Year Treasury	3.1940%	0.5%	3.1790%	0.4%	3.1670%	3.4%
30-Year Treasury	3.3730%	0.3%	3.3630%	0.7%	3.3380%	4.1%
12 MTA	2.053%	5.1%	1.953%	0.0%	1.953%	0.0%
USD 6M LIBOR	2.6941%	1.2%	2.6614%	1.0%	2.6353%	2.6%
USD 12M LIBOR	3.0006%	1.2%	2.9658%	0.4%	2.9543%	2.6%
USD 1M LIBOR	2.2796%	-0.1%	2.2820%	0.1%	2.2795%	5.3%
11th District COFI	1.015%	-0.3%	1.018%	0.0%	1.018%	0.0%
Federal Funds	2.25%	0.0%	2.25%	0.0%	2.25%	12.5%
Gold, Mini $/oz	1229.75	0.0%	1229.75	0.5%	1223.50	1.4%
Currencies
EUR/USD	1.1517	0.6%	1.1448	-1.1%	1.1570	-0.8%
USD/JPY	112.5128	0.4%	112.0570	-0.1%	112.2022	-0.2%
GBP/USD	1.3065	0.4%	1.3018	-1.0%	1.3147	0.0%
USD/CAD	1.3128	0.3%	1.3086	0.4%	1.3038	1.0%
AUD/USD	0.712720	0.3%	0.710660	-0.1%	0.711473	-2.0%
USD/CHF	0.9971	0.2%	0.9953	0.4%	0.9911	2.6%