Magazyn Kieszeń (220) 07.07.2018

CENY @ 4:00 PM 07.06.2018

10 yr note:                         +6/32 (18 bp) 2.81% -2 bp
5 yr note:                           +2/32 (6 bp) 2.72% -2 bp
2 Yr note:                           +1/32 (3 bp) 2.54% -2 bp
30 yr bond:                        +14/32 (44 bp) 2.93% -2 bp
Libor Rates:                       1 mo 2.097%; 3 mo 2.338%; 6 mo 2.520%; 1 yr 2.784%
30 yr FNMA 4.0 July:       102.06 +8 bp (+2 bp frm 9:30)
15 yr FNMA 4.0:              102.54 +2 bp (-1 bp frm 9:30)
30 yr GNMA 4.0:             102.55 +8 bp (unch frm 9:30)
Dollar/Yen:                       110.43 -0.20 yen
Dollar/Euro:                     $1.1744 +$0.0052
Dollar Index:                    94.04 -0.36
Gold:                                 $1256.30 -$2.50
Crude Oil:                        $73.80 +$0.86
DJIA:                                24,456.48 +99.74
NASDAQ:                         7688.39 +101.9

S&P 500:                         2759.82 +23.21

Poland

Name	Value	Net Change	% Change	1 Month	1 Year	Time (EDT)	2 Day
WIG20:IND WIG 20	2,152.06	-4.53	-0.21%	-4.36%	-6.26%	11:15 AM
WIG:IND WSE WIG INDEX	56,497.02	-222.86	-0.39%	-4.27%	-6.94%	11:15 AM
WIG30:IND WIG30	2,475.05	-11.58	-0.47%	-4.78%	-6.70%	11:15 AM

S&P 500:                         2759.82 +23.21

Currency		Value		Change			Net Change		Time (EDT)			2 Day
EUR-USD		1.1746		0.0055			+0.47%		4:59 PM
USD-JPY		110.4700		-0.1700			-0.15%		4:59 PM
GBP-USD		1.3283		0.0061			+0.46%		4:59 PM
AUD-USD		0.7430		0.0043			+0.58%		4:59 PM
USD-CAD		1.3084		-0.0048			-0.37%		4:59 PM
USD-CHF		0.9893		-0.0038			-0.38%		4:59 PM
USD-CZK		22.0559		-0.1403	-0.63%		4:59 PM
USD-SKK		25.6521		-0.1146	-0.44%		4:59 PM
USD-PLN		3.7183		-0.0045	-0.12%		4:59 PM
USD-HUF		275.1000		-1.5800	-0.57%		4:59 PM
USD-RUB		62.9945		-0.1435	-0.23%		4:58 PM

 

 

 

Today’s Rates

Best Execution	Rate	Change
30 Yr FRM	4.65%	-0.04
15 Yr FRM	4.13%	-0.02
FHA 30 Year Fixed	4.37%	-0.02
Jumbo 30 Year Fixed	4.59%	-0.06
5/1 Yr ARM	3.99%	-0.01
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	4.52%	0.50	-0.03
15 Yr. Fixed	3.99%	0.40	-0.05
1 Yr. ARM	2.68%	0.20	+0.01
5/1 Yr. ARM	3.74%	0.30	-0.13
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	97.08	+0.16
30YR FNMA 3.5	99.69	+0.13
30YR GNMA 3.0	98.02	+0.06
30YR GNMA 3.5	100.48	+0.14
15YR FNMA 3.0	99.44	+0.11
15YR FNMA 2.5	97.25	+0.13

 

Treasuries	Yield	Change
2 YR	2.5406%	-0.0162
5 YR	2.7178%	-0.0134
10 YR	2.8236%	-0.0091
30 YR	2.9308%	-0.0209
Prices as of: 7/6/2018 5:06PM EST

 

 

Mortgage Rate Averages

• Product
• Rate
• Change
• Last Week

• 30 yr fixed mtg
• 4.39%
• —
• 4.39%

• 15 yr fixed mtg
• 3.82%
• —
• 3.82%

• 30 yr fixed jumbo mtg
• 4.56%
• 0.03
• 4.59%

• 5/1 ARM
• 4.07%
• 0.06
• 4.13%

• 7/1 ARM
• 4.21%
• 0.04
• 4.17%

• 15 yr fixed jumbo mtg
• 4.49%
• 0.04
• 4.53%

• 10 yr fixed mtg
• 3.73%
• 0.02
• 3.71%

• 20 yr fixed mtg
• 4.23%
• —
• 4.23%

CD Rate Averages

• Product
• Rate
• Change
• Last Week

• 3 yr CD
• 2.49%
• 0.07
• 2.42%

• 6 month CD
• 1.55%
• 0.07
• 1.48%

• 1 yr CD
• 2.34%
• 0.02
• 2.32%

• 5 yr CD
• 2.77%
• 0.03
• 2.74%

• 1 yr jumbo CD
• 1.71%
• —
• 1.71%

• 18 month CD
• 2.11%
• 0.10
• 2.01%

• 3 month CD
• 0.90%
• 0.05
• 0.85%

• 2 yr CD
• 2.58%
• 0.04
• 2.54%

Credit Card Rate Averages

• Product
• Rate
• Change
• Last Week

• Low Interest Credit Cards
• 13.82%
• 0.10
• 13.72%

• Balance Transfer Credit Cards
• 16.17%
• 0.11
• 16.06%

• Student Credit Cards
• 16.48%
• 0.13
• 16.35%

• Cash Back Credit Cards
• 17.15%
• 0.11
• 17.04%

• Airline Credit Cards
• 16.84%
• 0.10
• 16.74%

• Reward Credit Cards
• 16.99%
• 0.09
• 16.90%

• Business Credit Cards
• 14.53%
• 0.10
• 14.43%

• Credit Cards For Bad Credit
• 23.90%
• 0.06
• 23.84%

Auto Loan Rate Averages

• Product
• Rate
• Change
• Last Week

• 60 month used car loan
• 4.18%
• 0.04
• 4.22%

• 48 month used car loan
• 4.25%
• —
• 4.25%

• 48 month new car loan
• 3.72%
• 0.02
• 3.74%

• 36 month used car loan
• 4.18%
• —
• 4.18%

• 36 month new car loan
• 3.48%
• 0.01
• 3.49%

• 60 month new car loan
• 3.88%
• 0.02
• 3.90%

• 72 month new car loan
• 3.69%
• 0.07
• 3.76%

• 60 month auto refinance
• 3.11%
• —
• 3.11

Top of Form Week Month 1-Year 3-Year Bottom of Form
[click item to view chart]	Current		Previous		Previous
	Quote		Day		Week
	Jul 6, 2018		Jul 5, 2018		Jun 29, 2018
	Quote	% Chg	Quote	% Chg	Quote	% Chg
Macroeconomic Statistics
May Core US CPI Rate	2.2%	4.8%	2.1%	0.0%	2.1%	0.0%
May Core US PCE Idx	2.00%	11.1%	1.80%	0.0%	1.80%	0.0%
Jun Non-Farm Payroll	213,000	-12.7%	244,000	0.0%	244,000	0.0%
Mortgage Rates
30 Yr FXD avg	4.52%	-0.7%	4.55%	0.0%	4.55%	-0.2%
15 Yr FXD avg	3.99%	-1.2%	4.04%	0.0%	4.04%	-0.5%
Fundamentals
1 Year CMT	2.3160%	0.6%	2.3033%	-0.3%	2.3092%	0.9%
10 Year CMT	2.83%	-1.4%	2.87%	-0.3%	2.88%	-0.3%
2-Year Treasury	2.5490%	0.0%	2.5490%	1.0%	2.5242%	0.3%
10-Year Treasury	2.8290%	-0.2%	2.8360%	-0.5%	2.8510%	-3.9%
30-Year Treasury	2.9370%	-0.4%	2.9500%	-1.2%	2.9851%	-4.4%
12 MTA	1.746%	5.8%	1.650%	0.0%	1.650%	0.0%
USD 6M LIBOR	2.5203%	0.6%	2.5059%	0.2%	2.5013%	0.9%
USD 12M LIBOR	2.7840%	0.4%	2.7734%	0.4%	2.7631%	0.9%
USD 1M LIBOR	2.0971%	0.5%	2.0873%	-0.2%	2.0921%	3.3%
11th District COFI	0.885%	-1.1%	0.895%	0.0%	0.895%	0.0%
Federal Funds	2.00%	0.0%	2.00%	0.0%	2.00%	14.3%
Gold, Mini $/oz	1255.00	-0.1%	1256.50	0.3%	1252.50	-3.9%
Currencies
EUR/USD	1.1743	0.4%	1.1692	-0.1%	1.1699	-0.7%
USD/JPY	110.4512	-0.2%	110.6736	0.0%	110.6519	0.4%
GBP/USD	1.3264	0.3%	1.3223	0.2%	1.3198	-1.5%
USD/CAD	1.3093	-0.3%	1.3138	0.0%	1.3132	1.4%
AUD/USD	0.742208	0.4%	0.739001	-0.2%	0.740416	-3.4%
USD/CHF	0.9892	-0.3%	0.9924	0.2%	0.9908	0.6%