Magazyn Kieszeń (222) 07.20.2018

CENY @ 4:00 PM 07.20.2018

10 yr note:                     -15/32 (47 bp) 2.90% +6 bp
5 yr note:                        -4/32 (12 bp) 2.77% +3 bp
2 Yr note:                        -1/32 (3 bp) 2.60% unch
30 yr bond:                     -44/32 (137 bp) 3.03% +7 bp
Libor Rates:                    1 mo 2.081%; 3 mo 2.347%; 6 mo 2.527%; 1 yr 2.807%  (7/19/18)
30 yr FNMA 4.0 Aug:    101.81 -22 bp (-14 bp frm 9:30)
15 yr FNMA 4.0:           102.34 -9 bp (-7 bp frm 9:30)
30 yr GNMA 4.0:          102.38 -23 bp (-14 bp frm 9:30)
Dollar/Yen:                    111.51 -0.95 yen
Dollar/Euro:                  $1.1725 +$0.0082

Dollar/yuan                  6.7711 -0.0030
Dollar Index:                94.42 -0.73
Gold:                             $1229.30 +$6.00
Crude Oil:                    $70.31 +$0.85
DJIA:                            25,058.12 -6.38
NASDAQ:                    7820.20 -5.10
S&P 500:                     2801.82 -2.67

Poland

Name	Value	Net Change	% Change	1 Month	1 Year	Time (EDT)	2 Day
WIG20:IND WIG 20	2,182.92	+36.10	+1.68%	+0.93%	-6.84%	11:15 AM
WIG:IND WSE WIG INDEX	57,303.81	+718.31	+1.27%	+1.22%	-7.54%	11:15 AM
WIG30:IND WIG30	2,511.76	+37.85	+1.53%	+0.79%	-7.82%	11:15 AM

 

Currency		Value		Change			Net Change		Time (EDT)			2 Day
EUR-USD		1.1724		0.0082			+0.70%		4:59 PM
USD-JPY		111.4100		-1.0600			-0.94%		4:59 PM
GBP-USD		1.3136		0.0122			+0.94%		4:59 PM
AUD-USD		0.7415		0.0054			+0.73%		4:59 PM
USD-CAD		1.3145		-0.0128			-0.96%		4:59 PM
USD-CHF		0.9923		-0.0064			-0.64%		4:59 PM
USD-CZK		22.0770		-0.1863	-0.84%		4:59 PM
USD-SKK		25.7032		-0.1746	-0.67%		4:59 PM
USD-PLN		3.6832		-0.0417	-1.12%		4:59 PM
USD-HUF		277.7200		-2.7300	-0.97%		4:59 PM
USD-RUB		63.5068		-0.1165	-0.18%		4:58 PM

 

 

Mortgage Rate Averages

• Product
• Rate
• Change
• Last Week

• 30 yr fixed mtg
• 4.37%
• 0.03
• 4.40%

• 15 yr fixed mtg
• 3.79%
• 0.04
• 3.83%

• 30 yr fixed jumbo mtg
• 4.54%
• 0.03
• 4.57%

• 5/1 ARM
• 4.10%
• 0.01
• 4.09%

• 7/1 ARM
• 4.23%
• 0.02
• 4.25%

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

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

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

CD Rate Averages

• Product
• Rate
• Change
• Last Week

• 3 yr CD
• 2.47%
• 0.03
• 2.44%

• 6 month CD
• 1.56%
• 0.10
• 1.46%

• 1 yr CD
• 2.40%
• 0.01
• 2.39%

• 5 yr CD
• 2.73%
• 0.01
• 2.72%

• 1 yr jumbo CD
• 1.80%
• 0.06
• 1.74%

• 18 month CD
• 2.05%
• 0.17
• 1.88%

• 3 month CD
• 0.91%
• —
• 0.90%

• 2 yr CD
• 2.62%
• 0.02
• 2.60%

Credit Card Rate Averages

• Product
• Rate
• Change
• Last Week

• Low Interest Credit Cards
• 13.85%
• 0.02
• 13.83%

• Balance Transfer Credit Cards
• 16.21%
• 0.04
• 16.17%

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

• Cash Back Credit Cards
• 17.19%
• 0.04
• 17.15%

• Airline Credit Cards
• 16.91%
• 0.07
• 16.84%

• Reward Credit Cards
• 17.03%
• 0.03
• 17.00%

• Business Credit Cards
• 14.59%
• 0.02
• 14.57%

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

Auto Loan Rate Averages

• Product
• Rate
• Change
• Last Week

• 60 month used car loan
• 4.35%
• 0.05
• 4.30%

• 48 month used car loan
• 4.40%
• 0.04
• 4.36%

• 48 month new car loan
• 3.90%
• 0.04
• 3.86%

• 36 month used car loan
• 4.32%
• 0.04
• 4.28%

• 36 month new car loan
• 3.65%
• 0.05
• 3.60%

• 60 month new car loan
• 4.05%
• 0.03
• 4.02%

• 72 month new car loan
• 3.90%
• 0.07
• 3.83%

• 60 month auto refinance
• 3.12%
• —
• 3.12%

 

 

Today’s Rates

Best Execution	Rate	Change
30 Yr FRM	4.63%	-0.01
15 Yr FRM	4.13%	-0.01
FHA 30 Year Fixed	4.37%	+0.00
Jumbo 30 Year Fixed	4.50%	-0.01
5/1 Yr ARM	3.96%	-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%	0.40	-0.01
15 Yr. Fixed	4.00%	0.40	-0.02
1 Yr. ARM	2.68%	0.20	+0.01
5/1 Yr. ARM	3.87%	0.30	+0.01
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	96.72	-0.34
30YR FNMA 3.5	99.38	-0.31
30YR GNMA 3.0	98.13	+0.02
30YR GNMA 3.5	100.44	-0.09
15YR FNMA 3.0	99.30	-0.16
15YR FNMA 2.5	97.06	-0.22

 

Treasuries	Yield	Change
2 YR	2.5952%	+0.0044
5 YR	2.7645%	+0.0309
10 YR	2.8950%	+0.0570
30 YR	3.0313%	+0.0744
Prices as of: 7/20/2018 5:06PM EST

 

Top of Form Week Month 1-Year 3-Year Bottom of Form
[click item to view chart]	Current		Previous		Previous
	Quote		Day		Week
	Jul 20, 2018		Jul 19, 2018		Jul 13, 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	4.52%	-0.2%	4.53%	0.0%	4.53%	-1.9%
15 Yr FXD avg	4.00%	-0.5%	4.02%	0.0%	4.02%	-1.2%
Fundamentals
1 Year CMT	2.3940%	0.0%	2.3940%	1.8%	2.3520%	0.5%
10 Year CMT	2.88%	0.7%	2.86%	0.4%	2.85%	-2.4%
2-Year Treasury	2.5990%	0.0%	2.5990%	0.7%	2.5820%	0.5%
10-Year Treasury	2.8910%	1.6%	2.8450%	0.6%	2.8290%	-3.9%
30-Year Treasury	3.0270%	2.1%	2.9660%	1.1%	2.9330%	-4.8%
12 MTA	1.746%	5.8%	1.650%	0.0%	1.650%	0.0%
USD 6M LIBOR	2.5273%	0.0%	2.5266%	0.3%	2.5196%	1.0%
USD 12M LIBOR	2.8074%	0.2%	2.8009%	0.6%	2.7853%	0.8%
USD 1M LIBOR	2.0810%	-0.3%	2.0863%	0.7%	2.0716%	-0.8%
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	1223.50	0.6%	1216.00	-2.4%	1246.50	-2.3%
Currencies
EUR/USD	1.1708	0.6%	1.1638	-0.6%	1.1703	1.1%
USD/JPY	111.7942	-0.7%	112.5398	0.2%	112.2884	1.8%
GBP/USD	1.3109	0.7%	1.3023	-1.7%	1.3244	0.5%
USD/CAD	1.3143	-0.9%	1.3259	0.7%	1.3164	-1.1%
AUD/USD	0.741596	0.8%	0.735410	-1.0%	0.742639	0.7%
USD/CHF	0.9944	-0.5%	0.9990	-0.3%	1.0022	0.6%
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