Magazyn Kieszeń (221) 07.14.2018

CENY @ 4:00 PM  07.13.2018

10 yr note:                       +4/32 (12 bp) 2.83% -2 bp
5 yr note:                         +3/32 (9 bp) 2.73% -2 bp
2 Yr note:                         +2/32 (6 bp) 2.58% -2 bp
30 yr bond:                     +6/32 (18 bp) 2.93% -1.5 bp
Libor Rates:                    1 mo 2.071%; 3 mo 2.339%; 6 mo 2.519%; 1 yr 2.785%
30 yr FNMA 4.0 Aug:    101.98 +9 bp (+6 bp frm 9:30)
15 yr FNMA 4.0:           102.41 +5 bp (+6 bp frm 9:30)
30 yr GNMA 4.0:          102.66 +8 bp (+3 bp frm 9:30)
Dollar/Yen:                   112.34 -0.18 yen  
Dollar/Euro:                 $1.1678 +$0.0007
Dollar Index:                94.76 -0.07
Gold:                             $1241.40 -$5.20
Crude Oil:                    $70.78 +$0.45
DJIA:                            25,019.41 +94.52
NASDAQ:                    7825.98 +2.06 (new high)
S&P 500:                    2801.31 +3.02

Poland

Name				Value				Net Change			% Change				1 Month			1 Year	Time (EDT)	2 Day
WIG20:IND WIG 20				2,157.14				-4.06			-0.19%				-2.08%			-8.22%	11:15 AM
WIG:IND WSE WIG INDEX				56,594.71				-76.73			-0.14%				-1.90%			-8.91%	11:15 AM
WIG30:IND WIG30				2,484.62				-0.93			-0.04%				-1.95%			-8.74%	11:15 AM
Currency		Value			Change				Net Change				Time (EDT)		2 Day
EUR-USD		1.1685			0.0013				+0.11%				4:59 PM
USD-JPY		112.3800			-0.1700				-0.15%				4:59 PM
GBP-USD		1.3222			0.0016				+0.12%				4:59 PM
AUD-USD		0.7424			0.0016				+0.22%				4:59 PM
USD-CAD		1.3160			0.0006				+0.05%				4:59 PM
USD-CHF		1.0017			-0.0007				-0.07%				4:59 PM
USD-CZK	22.1557			-0.0496		-0.22%		4:59 PM
USD-SKK	25.7801			-0.0336		-0.13%		4:59 PM
USD-PLN	3.6926			-0.0118		-0.32%		4:59 PM
USD-HUF	276.2600			-1.9400		-0.70%		4:59 PM
USD-RUB	62.4462			0.2047		+0.33%		4:58 PM

 

 

Today’s Rates

Best Execution	Rate	Change
30 Yr FRM	4.63%	-0.02
15 Yr FRM	4.12%	-0.03
FHA 30 Year Fixed	4.35%	-0.03
Jumbo 30 Year Fixed	4.54%	-0.04
5/1 Yr ARM	3.95%	-0.04
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	4.53%	0.40	+0.01
15 Yr. Fixed	4.02%	0.40	+0.03
1 Yr. ARM	2.68%	0.20	+0.01
5/1 Yr. ARM	3.86%	0.30	+0.12
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	97.00	+0.13
30YR FNMA 3.5	99.59	+0.09
30YR GNMA 3.0	98.14	+0.02
30YR GNMA 3.5	100.47	+0.02
15YR FNMA 3.0	99.48	+0.09
15YR FNMA 2.5	97.27	+0.09

 

Treasuries	Yield	Change
2 YR	2.5820%	-0.0080
5 YR	2.7266%	-0.0219
10 YR	2.8271%	-0.0220
30 YR	2.9323%	-0.0146
Prices as of: 7/13/2018 4:56PM EST

 

Mortgage Rate Averages

• Product
• Rate
• Change
• Last Week

• 30 yr fixed mtg
• 4.40%
• 0.01
• 4.39%

• 15 yr fixed mtg
• 3.83%
• 0.01
• 3.82%

• 30 yr fixed jumbo mtg
• 4.57%
• 0.01
• 4.56%

• 5/1 ARM
• 4.09%
• 0.02
• 4.07%

• 7/1 ARM
• 4.25%
• 0.04
• 4.21%

• 15 yr fixed jumbo mtg
• 4.49%
• —
• 4.49%

• 10 yr fixed mtg
• 3.73%
• —
• 3.73%

• 20 yr fixed mtg
• 4.25%
• 0.02
• 4.23%

 

 

CD Rate Averages

• Product
• Rate
• Change
• Last Week

• 3 yr CD
• 2.44%
• 0.05
• 2.49%

• 6 month CD
• 1.46%
• 0.09
• 1.55%

• 1 yr CD
• 2.39%
• 0.05
• 2.34%

• 5 yr CD
• 2.72%
• 0.05
• 2.77%

• 1 yr jumbo CD
• 1.74%
• 0.03
• 1.71%

• 18 month CD
• 1.88%
• 0.23
• 2.11%

• 3 month CD
• 0.90%
• 0.00
• 0.90%

• 2 yr CD
• 2.60%
• 0.02
• 2.58%

Credit Card Rate Averages

• Product
• Rate
• Change
• Last Week

• Low Interest Credit Cards
• 13.83%
• 0.01
• 13.82%

• Balance Transfer Credit Cards
• 16.17%
• —
• 16.17%

• Student Credit Cards
• 16.48%
• —
• 16.48%

• Cash Back Credit Cards
• 17.15%
• —
• 17.15%

• Airline Credit Cards
• 16.84%
• —
• 16.84%

• Reward Credit Cards
• 17.00%
• 0.01
• 16.99%

• Business Credit Cards
• 14.57%
• 0.04
• 14.53%

• Credit Cards For Bad Credit
• 23.90%
• —
• 23.90

Auto Loan Rate Averages

• Product
• Rate
• Change
• Last Week

• 60 month used car loan
• 4.30%
• 0.12
• 4.18%

• 48 month used car loan
• 4.36%
• 0.11
• 4.25%

• 48 month new car loan
• 3.86%
• 0.14
• 3.72%

• 36 month used car loan
• 4.28%
• 0.10
• 4.18%

• 36 month new car loan
• 3.60%
• 0.12
• 3.48%

• 60 month new car loan
• 4.02%
• 0.14
• 3.88%

• 72 month new car loan
• 3.83%
• 0.14
• 3.69%

• 60 month auto refinance
• 3.12%
• 0.01
• 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 13, 2018		Jul 12, 2018		Jul 6, 2018
	Quote	% Chg	Quote	% Chg	Quote	% Chg
Macroeconomic Statistics
Jun Core US CPI Rate	2.3%	4.5%	2.2%	0.0%	2.2%	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	4.53%	0.2%	4.52%	0.0%	4.52%	-0.4%
15 Yr FXD avg	4.02%	0.8%	3.99%	0.0%	3.99%	-0.5%
Fundamentals
1 Year CMT	2.3500%	0.0%	2.3500%	1.6%	2.3140%	-0.2%
10 Year CMT	2.85%	-0.7%	2.87%	1.4%	2.83%	-4.4%
2-Year Treasury	2.5860%	-0.5%	2.5990%	2.3%	2.5410%	-0.6%
10-Year Treasury	2.8340%	-0.7%	2.8550%	1.1%	2.8240%	-4.2%
30-Year Treasury	2.9400%	-0.5%	2.9550%	0.8%	2.9310%	-4.5%
12 MTA	1.746%	5.8%	1.650%	0.0%	1.650%	0.0%
USD 6M LIBOR	2.5196%	0.3%	2.5124%	-0.3%	2.5203%	0.9%
USD 12M LIBOR	2.7853%	0.2%	2.7784%	-0.2%	2.7840%	0.7%
USD 1M LIBOR	2.0716%	-0.1%	2.0743%	-1.1%	2.0971%	1.9%
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%	0.0%
Gold, Mini $/oz	1246.50	0.1%	1245.50	-0.8%	1255.00	-3.3%
Currencies
EUR/USD	1.1661	0.0%	1.1665	-0.8%	1.1760	-0.4%
USD/JPY	112.4980	-0.1%	112.6276	2.0%	110.4123	0.3%
GBP/USD	1.3205	0.3%	1.3165	-0.9%	1.3279	-0.7%
USD/CAD	1.3165	0.0%	1.3167	0.6%	1.3083	0.9%
AUD/USD	0.741053	0.2%	0.739538	-0.5%	0.743194	-1.8%
USD/CHF	1.0029	0.0%	1.0025	1.2%	0.9906	0.6%