MAGAZYN KIESZEŃ (437) 01.28.2023

CENY 4 PM 01.27.2023

PCE inflation was right where estimates were expecting this morning, interest rates began under some pressure and held that through the day, but this afternoon some minor improvement. This morning the 10 at 3.55% +5 bps, by 3 pm ET 3.52%. MBS prices at 9:30 am -9 bps, at 3 pm +13 bps.

Consumer spending declined in Dec even with holiday shopping at the end of last year, cutting spending 0.2% during the holiday shopping and increasing savings. The pullback came as inflation cooled to its slowest pace since October 2021. The second straight monthly drop following solid spending increases during several months last year. Adjusted for inflation, spending fell 0.3% last month. Households cut spending on goods, gasoline and other energy products. Commerce Dep said increased spending on services, where prices climbed. The idea consumers increased savings is off the mark, consumers have run out of COVID money and recent data indicates credit card use has increased.

Dec pending home sales increased 2.5% the first increase since last May. Year-over-year, pending transactions dropped by 33.8%. An index of 100 is equal to the level of contract activity in 2001. The Northeast PHSI dropped 6.5% from last month to, a decrease of 32.5% from December 2021. The Midwest index shrank 0.3% in December, a decline of 30.1% from one year ago. The South PHSI rose 6.1% in December, dropping 34.5% from the prior year. The West index advanced 6.4% in December, decreasing 37.5% from December 2021. NAR saying mortgage rates will be between 5.5% and 6.5% this year.

of Michigan consumer sentiment index this morning,fractionally better than 64.6 expected to 64.9.

Next Week: A lot of economic news as well as the FOMC meeting on Wednesday. Monday nothing. Tuesday Jan Chicago purchasing mgrs. index, Q4 employment cost index, Nov Case/Shiller and FHFA housing price indexes, consumer confidence index for Jan. Wednesday MBA mortgage applications, Jan ADP private jobs, Dec construction pending, Jan ISM manufacturing index, Dec JOLTS job openings, FOMC POLICY AND POWELL’S PRESS CONFERENCE. Thursday weekly jobless claims, Q4 productivity and unit labor costs. Friday Jan employment data, ISM services sector index.

This week: The 10 year note rate increased 4 bps this week, MBS prices +16 bps. The DJIA +603, NASDA +482, S&P +98. Gold +$1.00, crude oil -$0.93. The dollar index -0.10, Bitcoin +1,179.

10 year note: 3.52% +2 bp

5 year note: 3.62% +2 bp

2 Year note: 4.20% +2 bp

30 year bond: 3.63% unch

Libor Rates: 1 month 4.547%; 3 month 4.802%; 6 month 5.102%; 1 year 5.300% (1/26/23)

30 year FNMA 6.0: 102.50 +11 bp (+23 bp from 9:30)

30 year FNMA 5.5: 101.48 +14 bp (+23 bp from 9:30)

30 year GNMA 5.5: 101.47 +20 bp (+20 bp from 9:30)

Dollar/Yuan: closed

Dollar/Yen: 129.89 -0.33 yen

Dollar/Euro: $1.0870 -$0.0022

Dollar Index: 101.92 +0.09

Gold: $1929.60 -0.40

Bitcoin: 23,267 +199

Crude Oil: $79.47 -$1.54

DJIA: 33,978.08 +28.67

NASDAQ: 11,621.71 +109.30

S&P 500: 4070.56 +10.13

SOFR Data 01/27: 30-DAY AVERAGE(%): 4.31049, 90-DAY AVERAGE(%): 4.01801, 180-DAY AVERAGE(%): 3.31851, INDEX: 1.06322937

Poland

NAME	VALUE	NET CHANGE	% CHANGE	1 MONTH	1 YEAR	TIME (EST)
WIG20:IND WIG 20	1,911.50	-0.11	-0.01%	+8.25%	-14.45%	11:15 AM
WIG:IND WSE WIG INDEX	61,269.70	+33.91	+0.06%	+8.30%	-10.07%	11:15 AM
WIG30:IND WIG30	2,337.82	-3.81	-0.16%	+8.65%	-13.82%	11:15 AM

WALUTY

CURRENCY	VALUE	CHANGE	NET CHANGE	TIME (EST)
EUR-USD	1.0868	-0.0024	-0.22%	4:59 PM
USD-JPY	129.8800	-0.3400	-0.26%	4:59 PM
GBP-USD	1.2382	-0.0026	-0.21%	4:59 PM
AUD-USD	0.7100	-0.0015	-0.21%	4:59 PM
USD-CAD	1.3311	-0.0010	-0.08%	4:59 PM
USD-CHF	0.9210	0.0004	+0.04%	4:59 PM

USD-CZK	21.9055	0.0436	+0.20%	4:59 PM
USD-SKK	27.7211	0.0618	+0.22%	4:59 PM
USD-PLN	4.3301	0.0054	+0.12%	4:59 PM
USD-HUF	359.1500	3.0100	+0.85%	4:59 PM
USD-RUB	69.7642	0.1870	+0.27%	2:46 P

USD-MXN

18.7669

-0.0271

-0.14%

4:59 PM

Mortgage Rates

30 Yr. Fixed Rate

6.20% +0.02%

	Rate	Change	Points
Mortgage News Daily
30 Yr. Fixed	6.20%	+0.02	0.00
15 Yr. Fixed	5.26%	+0.02	0.00
30 Yr. FHA	5.77%	0.00	0.00
30 Yr. Jumbo	5.70%	0.00	0.00
5/1 ARM	6.25%	+0.05	0.00
30 Yr. VA	5.83%	+0.01	0.00
Updates Daily – Last Update: 1/27

15 Yr. Fixed Rate

5.26% +0.02%

	Rate	Change	Points
Freddie Mac
30 Yr. Fixed	6.13%	-0.02	0.00
15 Yr. Fixed	5.17%	-0.11	0.00
Updates Weekly – Last Update: 1/26

	Rate	Change	Points
Mortgage Bankers Assoc.
30 Yr. Fixed	6.23%	-0.19	0.67
15 Yr. Fixed	5.58%	-0.36	0.54
30 Yr. Jumbo	6.08%	-0.01	0.40
Updates Weekly – Last Update: 1/18

MBS / Treasuries

UMBS 30YR 5.0

100.34 +0.14

	Price / Yield	Change
MBS
UMBS 5.0	100.34	+0.14
UMBS 5.5	101.50	+0.16
GNMA 5.0	100.67	+0.20
GNMA 5.5	101.48	+0.22
Pricing as of: 1/27 5:31PM EST

10 Year US Treasury

3.5071 +0.0031

	Price / Yield	Change
US Treasury
2 YR Treasury	4.203	+0.016
5 YR Treasury	3.612	+0.010
7 YR Treasury	3.569	+0.010
10 YR Treasury	3.507	+0.003
30 YR Treasury	3.625	-0.017
Pricing as of: 1/27 5:31PM EST

POŻYCZKI HIPOTECZNE

ELITE 21-30 YEAR

ELITE 16-20 YEAR

RATE

15 DAY

30 DAY

45 DAY

RATE

15 DAY

30 DAY

45 DAY

7.625

-4.356

-4.261

-4.091

7.625

-5.070

-4.975

-4.805

7.500

-4.174

-4.079

-3.909

7.500

-4.860

-4.765

-4.595

7.375

-3.958

-3.863

-3.693

7.375

-4.622

-4.527

-4.357

7.250

-3.844

-3.749

-3.579

7.250

-4.518

-4.423

-4.253

7.125

-3.632

-3.537

-3.367

7.125

-4.293

-4.198

-4.028

6.999

-3.552

-3.457

-3.287

6.999

-4.192

-4.097

-3.927

6.875

-3.274

-3.179

-3.009

6.875

-3.943

-3.848

-3.678

6.750

-3.029

-2.934

-2.764

6.750

-3.859

-3.764

-3.594

6.625

-2.885

-2.790

-2.620

6.625

-3.684

-3.589

-3.419

6.500

-2.818

-2.723

-2.553

6.500

-3.606

-3.511

-3.341

6.375

-2.537

-2.442

-2.272

6.375

-3.320

-3.225

-3.055

6.250

-2.378

-2.283

-2.113

6.250

-3.240

-3.145

-2.975

6.125

-2.310

-2.215

-2.045

6.125

-2.895

-2.800

-2.630

5.999

-2.258

-2.163

-1.993

5.999

-2.704

-2.609

-2.439

5.875

-1.753

-1.658

-1.488

5.875

-2.301

-2.206

-2.036

5.750

-1.193

-1.098

-0.928

5.750

-1.954

-1.859

-1.689

5.625

-1.126

-1.031

-0.861

5.625

-1.429

-1.334

-1.164

5.500

-0.972

-0.877

-0.707

5.500

-1.323

-1.228

-1.058

5.375

-0.288

-0.193

-0.023

5.375

-0.789

-0.694

-0.524

5.250

0.412

0.507

0.677

5.250

-0.307

-0.212

-0.042

5.125

0.680

0.775

0.945

5.125

0.191

0.286

0.456

5.000

1.217

1.312

1.482

5.000

0.628

0.723

0.893

ELITE 11-15 YEAR				ELITE 8-10 YEAR
RATE	15 DAY	30 DAY	45 DAY	RATE	15 DAY	30 DAY	45 DAY
6.500	-3.614	-3.519	-3.349	6.500	-3.506	-3.411	-3.241
6.375	-3.398	-3.303	-3.133	6.375	-3.346	-3.251	-3.081
6.250	-3.311	-3.216	-3.046	6.250	-3.225	-3.130	-2.960
6.125	-3.109	-3.014	-2.844	6.125	-3.104	-3.009	-2.839
6.000	-3.037	-2.942	-2.772	6.000	-2.931	-2.836	-2.666
5.875	-2.945	-2.850	-2.680	5.875	-2.844	-2.749	-2.579
5.750	-2.766	-2.671	-2.501	5.750	-2.731	-2.636	-2.466
5.625	-2.699	-2.604	-2.434	5.625	-2.647	-2.552	-2.382
5.500	-2.649	-2.554	-2.384	5.500	-2.578	-2.483	-2.313
5.375	-2.591	-2.496	-2.326	5.375	-2.505	-2.410	-2.240
5.250	-2.259	-2.164	-1.994	5.250	-2.239	-2.144	-1.974
5.125	-1.803	-1.708	-1.538	5.125	-1.886	-1.791	-1.621
5.000	-1.666	-1.571	-1.401	5.000	-1.742	-1.647	-1.477
4.875	-1.355	-1.260	-1.090	4.875	-1.479	-1.384	-1.214
4.750	-0.914	-0.819	-0.649	4.750	-1.052	-0.957	-0.787
4.625	-0.424	-0.329	-0.159	4.625	-0.583	-0.488	-0.318
4.500	-0.028	0.067	0.237	4.500	-0.208	-0.113	0.057
4.375	0.351	0.446	0.616	4.375	0.162	0.257	0.427
4.250	0.822	0.917	1.087	4.250	0.621	0.716	0.886
4.125	1.321	1.416	1.586	4.125	1.118	1.213	1.383
4.000	1.790	1.885	2.055	4.000	1.576	1.671	1.841
3.875	2.256	2.351	2.521	3.875	2.002	2.097	2.267

MAGAZYN KIESZEŃ (437) 01.28.2023

CENY 4 PM 01.27.2023

Poland

WALUTY

Mortgage Rates

30 Yr. Fixed Rate

6.20% +0.02%

Rate

Change

Points

Mortgage News Daily

30 Yr. Fixed

6.20%

+0.02

0.00

15 Yr. Fixed

5.26%

+0.02

0.00

30 Yr. FHA

5.77%

0.00

0.00

30 Yr. Jumbo

5.70%

0.00

0.00

5/1 ARM

6.25%

+0.05

0.00

30 Yr. VA

5.83%

+0.01

0.00

Updates Daily – Last Update: 1/27

15 Yr. Fixed Rate

5.26% +0.02%

Rate

Change

Points

Freddie Mac

30 Yr. Fixed

6.13%

-0.02

0.00

15 Yr. Fixed

5.17%

-0.11

0.00

Updates Weekly – Last Update: 1/26

Rate

Change

Points

Mortgage Bankers Assoc.

30 Yr. Fixed

6.23%

-0.19

0.67

15 Yr. Fixed

5.58%

-0.36

0.54

30 Yr. Jumbo

6.08%

-0.01

0.40

Updates Weekly – Last Update: 1/18

MBS / Treasuries

UMBS 30YR 5.0

100.34 +0.14

Price / Yield

Change

MBS

UMBS 5.0

100.34

+0.14

UMBS 5.5

101.50

+0.16