Magazyn Kieszeń (237) 11.03.2018

CENY @ 4:00 PM 11.02.2018

10 yr note:                     -21/32 (66 bp) 3.21% +7 bp
5 yr note:                        -10/32 (31 bp) 3.03% +6 bp
2 Yr note:                       -4/32 (12 bp) 2.91% +6 bp
30 yr bond:                    -46/32 (143 bp) 3.46% +8 bp
Libor Rates:                   1 mo 2.313%; 3 mo 2.418%; 6 mo 2.816%; 1 yr 3.096%  (11/1/18)
30 yr FNMA 4.5:           102.05 -42 bp (-25 bp frm 9:30)
15 yr FNMA 4.0:           101.40 -29 bp) -19 bp frm 9:30
30 yr GNMA 4.5:         102.33 -26 bp) -15 bp frm 9:30)
Dollar/Yuan:                $6.8909 -$0.0325
Dollar/Yen:                  113.20 +0.49 yen
Dollar/Euro:                $1.1396 -$0.0015
Dollar Index:               96.47 +0.17
Gold:                            $1234.70 -$3.90
Crude Oil:                   $62.88 -$0.81
DJIA:                           25,270.83 -109.91
NASDAQ:                   7356.99 -77.06
S&P 500:                    2723.06 -17.31

Poland

Name				Value				Net Change			% Change				1 Month			1 Year	Time (EDT)	2 Day
WIG20:IND WIG 20				2,197.68				+45.80			+2.13%				-2.94%			-11.90%	12:15 PM
WIG:IND WSE WIG INDEX				56,321.58				+1,008.87			+1.82%				-3.59%			-12.29%	12:15 PM
WIG30:IND WIG30				2,491.16				+49.00			+2.01%				-3.22%			-13.22%	12:15 PM
Currency		Value			Change				Net Change				Time (EDT)		2 Day
EUR-USD		1.1388			-0.0020				-0.18%				4:59 PM
USD-JPY		113.2000			0.4800				+0.43%				4:59 PM
GBP-USD		1.2970			-0.0042				-0.32%				4:59 PM
AUD-USD		0.7193			-0.0013				-0.18%				4:59 PM
USD-CAD		1.3110			0.0024				+0.18%				4:59 PM
USD-CHF		1.0035			0.0014				+0.14%				4:59 PM
USD-CZK	22.6645			0.0114		+0.05%		4:59 PM
USD-SKK	26.4566			0.0503		+0.19%		4:59 PM
USD-PLN	3.7825			-0.0103		-0.27%		4:59 PM
USD-HUF	282.5500			-0.3900		-0.14%		4:59 PM
USD-RUB	66.1750			0.5025		+0.77%		4:58 PM

 

Today’s Rates

Best Execution	Rate	Change
30 Yr FRM	5.04%	+0.07
15 Yr FRM	4.52%	+0.06
FHA 30 Year Fixed	4.55%	+0.09
Jumbo 30 Year Fixed	4.54%	+0.08
5/1 Yr ARM	4.60%	+0.10
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	4.83%	0.50	-0.03
15 Yr. Fixed	4.23%	0.50	-0.06
1 Yr. ARM	2.68%	0.20	+0.01
5/1 Yr. ARM	4.04%	0.30	-0.10
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	94.03	-0.69
30YR FNMA 3.5	96.86	-0.59
30YR GNMA 3.0	95.13	-0.64
30YR GNMA 3.5	97.70	-0.56
15YR FNMA 3.0	97.78	-0.44
15YR FNMA 2.5	95.34	-0.47

 

Treasuries	Yield	Change
2 YR	2.9115%	+0.0650
5 YR	3.0416%	+0.0802
10 YR	3.2198%	+0.0857
30 YR	3.4621%	+0.0861
Prices as of: 11/2/2018 5:06PM EST

 

 

Mortgage Rate Averages

• Product
• Rate
• Change
• Last Week

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

• 15 yr fixed mtg
• 4.07%
• —
• 4.07%

• 30 yr fixed jumbo mtg
• 4.79%
• 0.03
• 4.82%

• 5/1 ARM
• 4.27%
• 0.03
• 4.30%

• 7/1 ARM
• 4.42%
• —
• 4.42%

• 15 yr fixed jumbo mtg
• 4.60%
• —
• 4.60%

• 10 yr fixed mtg
• 4.00%
• 0.02
• 4.02%

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

CD Rate Averages

• Product
• Rate
• Change
• Last Week

• 3 yr CD
• 2.76%
• 0.01
• 2.77%

• 6 month CD
• 1.70%
• —
• 1.71%

• 1 yr CD
• 2.59%
• 0.01
• 2.58%

• 5 yr CD
• 2.97%
• 0.02
• 2.95%

• 1 yr jumbo CD
• 1.90%
• 0.05
• 1.95%

• 18 month CD
• 2.31%
• 0.00
• 2.31%

• 3 month CD
• 0.99%
• 0.01
• 1.00%

• 2 yr CD
• 2.74%
• —
• 2.73%

Credit Card Rate Averages

• Product
• Rate
• Change
• Last Week

• Low Interest Credit Cards
• 14.19%
• 0.01
• 14.18%

• Balance Transfer Credit Cards
• 16.37%
• 0.03
• 16.34%

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

• Cash Back Credit Cards
• 17.16%
• 0.02
• 17.14%

• Airline Credit Cards
• 17.12%
• 0.07
• 17.05%

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

• Business Credit Cards
• 14.78%
• 0.02
• 14.76%

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

Auto Loan Rate Averages

• Product
• Rate
• Change
• Last Week

• 60 month used car loan
• 4.35%
• 0.01
• 4.36%

• 48 month used car loan
• 4.54%
• —
• 4.54%

• 48 month new car loan
• 4.59%
• 0.02
• 4.57%

• 36 month used car loan
• 4.51%
• —
• 4.51%

• 36 month new car loan
• 4.54%
• 0.02
• 4.52%

• 60 month new car loan
• 4.77%
• 0.03
• 4.74%

• 72 month new car loan
• 4.70%
• 0.02
• 4.72%

• 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
	Nov 2, 2018		Nov 1, 2018		Oct 26, 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%
Sep Core US PCE Idx	2.00%	0.0%	2.00%	0.0%	2.00%	0.0%
Oct Non-Farm Payroll	250,000	111.9%	118,000	0.0%	118,000	0.0%
Mortgage Rates
30 Yr FXD avg	4.83%	-0.6%	4.86%	0.0%	4.86%	3.0%
15 Yr FXD avg	4.23%	-1.4%	4.29%	0.0%	4.29%	3.1%
Fundamentals
1 Year CMT	2.6750%	0.6%	2.6590%	1.3%	2.6260%	0.8%
10 Year CMT	3.15%	1.0%	3.12%	0.6%	3.10%	0.3%
2-Year Treasury	2.8910%	1.3%	2.8540%	1.6%	2.8100%	-2.6%
10-Year Treasury	3.1870%	1.6%	3.1380%	2.0%	3.0770%	-3.6%
30-Year Treasury	3.4270%	1.3%	3.3830%	2.1%	3.3120%	-1.0%
12 MTA	2.160%	5.2%	2.053%	0.0%	2.053%	0.0%
USD 6M LIBOR	2.8165%	0.6%	2.8001%	0.9%	2.7741%	6.4%
USD 12M LIBOR	3.0961%	0.4%	3.0838%	1.0%	3.0518%	4.3%
USD 1M LIBOR	2.3136%	0.3%	2.3069%	0.5%	2.2949%	0.9%
11th District COFI	1.018%	0.3%	1.015%	0.0%	1.015%	0.0%
Federal Funds	2.25%	0.0%	2.25%	0.0%	2.25%	0.0%
Gold, Mini $/oz	1222.25	-0.5%	1228.75	-0.7%	1237.50	4.3%
Currencies
EUR/USD	1.1390	-0.2%	1.1415	0.0%	1.1410	-0.6%
USD/JPY	113.1103	0.4%	112.6295	0.7%	111.8487	-2.4%
GBP/USD	1.2967	-0.3%	1.3003	1.4%	1.2826	-0.8%
USD/CAD	1.3105	0.1%	1.3093	-0.2%	1.3115	1.8%
AUD/USD	0.718561	-0.4%	0.721446	1.7%	0.709336	-0.1%
USD/CHF	1.0028	0.0%	1.0026	0.6%	0.9969	0.4%
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