Magazyn Kieszeń (236) 10.26.2018

CENY @ 4:00 PM 10.25.2018

10 yr note:                 +17/32 (53 bp) 3.104% -6.5 bps
5 yr note:                   +10/32 (31 bp) 2.94% -6 bp
2 Yr note:                   +3/32 (9 bp) 2.84% -4 bp
30 yr bond:                +19/32 (59 bp) 3.33% -3 bp
Libor Rates:               1 mo 2.281%; 3 mo 2.489%; 6 mo 2.747%; 1 yr 3.034%  (10/23/18)
30 yr FNMA 4.5:      102.47 +17 bp (+1 bp frm 9:30)
15 yr FNMA 4.0:      101.68 +11 bp (+1 bp frm 9:30)
30 yr GNMA 4.5:     102.59 +16 bp (+9 bp frm 9:30)
Dollar/Yuan:             $6.9440 +$0.0056
Dollar/Yen:               112.18 -0.26 yen
Dollar/Euro:             $1.1400 -$0.0071
Dollar Index:            96.40 +0.45
Gold:                         $1235.80 -$1.00
Crude Oil:                $66.31 -$0.12
DJIA:                        24,583.42 -608.01
NASDAQ:                7108.40 -329.14
S&P 500:                 2656.10 -84.59

 

Poland

Name	Value	Net Change	% Change	1 Month	1 Year	Time (EDT)	2 Day
WIG20:IND WIG 20	2,082.77	-59.92	-2.80%	-9.62%	-15.20%	11:15 AM
WIG:IND WSE WIG INDEX	54,027.32	-1,244.31	-2.25%	-8.39%	-15.65%	11:15 AM
WIG30:IND WIG30	2,374.73	-62.69	-2.57%	-9.53%	-16.04%	11:15 AM

 

Currency	Value	Change	Net Change	Time (EDT)	2 Day
EUR-USD	1.1403	0.0028	+0.25%	4:59 PM
USD-JPY	111.9100	-0.5100	-0.45%	4:59 PM
GBP-USD	1.2828	0.0011	+0.09%	4:59 PM
AUD-USD	0.7090	0.0010	+0.14%	4:59 PM
USD-CAD	1.3106	0.0032	+0.24%	4:59 PM
USD-CHF	0.9970	-0.0016	-0.16%	4:59 PM

 

USD-CZK	22.6395	-0.1040	-0.46%	4:59 PM
USD-SKK	26.4205	-0.0660	-0.25%	4:59 PM
USD-PLN	3.7808	-0.0079	-0.21%	4:59 PM
USD-HUF	284.5000	-0.3400	-0.12%	4:59 PM
USD-RUB	65.5977	-0.0195	-0.03%	4:58 PM

Today’s Rates

Best Execution	Rate	Change
30 Yr FRM	4.94%	-0.05
15 Yr FRM	4.43%	-0.05
FHA 30 Year Fixed	4.42%	-0.08
Jumbo 30 Year Fixed	4.38%	-0.04
5/1 Yr ARM	4.45%	-0.02
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	4.86%	0.50	+0.01
15 Yr. Fixed	4.29%	0.40	+0.03
1 Yr. ARM	2.68%	0.20	+0.01
5/1 Yr. ARM	4.14%	0.30	+0.04
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	95.09	+0.20
30YR FNMA 3.5	97.80	+0.19
30YR GNMA 3.0	96.03	+0.05
30YR GNMA 3.5	98.61	+0.23
15YR FNMA 3.0	98.39	+0.17
15YR FNMA 2.5	96.03	+0.19

 

Treasuries	Yield	Change
2 YR	2.8103%	-0.0444
5 YR	2.9088%	-0.0593
10 YR	3.0774%	-0.0488
30 YR	3.3124%	-0.0364
Prices as of: 10/26/2018 5:06PM EST

 

 

Mortgage Rate Averages

• Product
• Rate
• Change
• Last Week

• 30 yr fixed mtg
• 4.74%
• 0.01
• 4.75%

• 15 yr fixed mtg
• 4.07%
• 0.02
• 4.09%

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

• 5/1 ARM
• 4.30%
• 0.11
• 4.41%

• 7/1 ARM
• 4.42%
• 0.14
• 4.56%

• 15 yr fixed jumbo mtg
• 4.60%
• 0.04
• 4.64%

• 10 yr fixed mtg
• 4.02%
• 0.01
• 4.01%

• 20 yr fixed mtg
• 4.56%
• 0.02
• 4.58%

CD Rate Averages

• Product
• Rate
• Change
• Last Week

• 3 yr CD
• 2.77%
• 0.07
• 2.70%

• 6 month CD
• 1.71%
• 0.08
• 1.63%

• 1 yr CD
• 2.58%
• 0.01
• 2.57%

• 5 yr CD
• 2.95%
• 0.02
• 2.93%

• 1 yr jumbo CD
• 1.95%
• 0.07
• 1.88%

• 18 month CD
• 2.31%
• 0.02
• 2.29%

• 3 month CD
• 1.00%
• 0.02
• 0.98%

• 2 yr CD
• 2.73%
• 0.01
• 2.72%

Credit Card Rate Averages

• Product
• Rate
• Change
• Last Week

• Low Interest Credit Cards
• 14.18%
• 0.01
• 14.17%

• Balance Transfer Credit Cards
• 16.34%
• —
• 16.34%

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

• Cash Back Credit Cards
• 17.14%
• —
• 17.14%

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

• Reward Credit Cards
• 17.07%
• 0.01
• 17.06%

• Business Credit Cards
• 14.76%
• 0.02
• 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
• 4.36%
• 0.02
• 4.34%

• 48 month used car loan
• 4.54%
• 0.02
• 4.52%

• 48 month new car loan
• 4.57%
• 0.05
• 4.52%

• 36 month used car loan
• 4.51%
• 0.04
• 4.47%

• 36 month new car loan
• 4.52%
• 0.06
• 4.46%

• 60 month new car loan
• 4.74%
• 0.06
• 4.68%

• 72 month new car loan
• 4.72%
• 0.10
• 4.62%

• 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 26, 2018		Oct 25, 2018		Oct 19, 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	4.86%	0.2%	4.85%	0.0%	4.85%	4.3%
15 Yr FXD avg	4.29%	0.7%	4.26%	0.0%	4.26%	3.6%
Fundamentals
1 Year CMT	2.6260%	-0.7%	2.6450%	-0.9%	2.6690%	3.7%
10 Year CMT	3.10%	-2.2%	3.17%	-0.6%	3.19%	3.6%
2-Year Treasury	2.8180%	-0.5%	2.8310%	-2.6%	2.9080%	3.3%
10-Year Treasury	3.0910%	-0.4%	3.1020%	-2.9%	3.1960%	4.7%
30-Year Treasury	3.3240%	-0.1%	3.3280%	-1.5%	3.3790%	6.1%
12 MTA	2.053%	5.1%	1.953%	0.0%	1.953%	0.0%
USD 6M LIBOR	2.7741%	0.5%	2.7598%	2.4%	2.6941%	3.8%
USD 12M LIBOR	3.0518%	0.4%	3.0394%	1.3%	3.0006%	3.0%
USD 1M LIBOR	2.2949%	0.0%	2.2941%	0.6%	2.2796%	2.2%
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	1243.00	0.9%	1231.50	0.1%	1229.75	2.3%
Currencies
EUR/USD	1.1389	0.1%	1.1373	-1.3%	1.1519	-1.8%
USD/JPY	112.0473	-0.3%	112.3832	-0.2%	112.6451	-0.1%
GBP/USD	1.2842	0.2%	1.2818	-1.9%	1.3073	-0.8%
USD/CAD	1.3068	0.0%	1.3070	-0.3%	1.3107	0.6%
AUD/USD	0.708681	0.1%	0.708172	-0.5%	0.711477	-2.1%
USD/CHF	0.9985	-0.1%	0.9994	0.4%	0.9958	3.1%