Magazyn Kieszeń (233) 10.05.2018

PRICES @ 4:00 PM 10.05.2018

10 yr note:                -14/32 (44 bp) 3.24% +5 bp
5 yr note:                   -2/32 (6 bp) 3.07% +2 bp
2 Yr note:                  -1/32 (3 bp) 2.88% +1 bp
30 yr bond:               -31/32 (97 bp) 3.40% +5 bp
Libor Rates:              1 mo 2.280%; 3 mo 2.409%; 6 mo 2.623%; 1 yr 2.956%  (10/4/18)
30 yr FNMA 4.5:      102.38 -20 bp (-9 bp frm 9:30)
15 yr FNMA 4.0:     101.62 -7 bp (-1 bp frm 9:30)
30 yr GNMA 4.5:    102.52 -5 bp (-4 bp frm 9:30)
Dollar/Yen:              113.72 -0.18 yen
Dollar/Euro:            $1.1524 +$0.0009
Dollar Index:           95.60 -0.16
Gold:                       $1207.40 +$5.80
Crude Oil:               $74.30 -$0.03
DJIA:                      26,447.05 -180.43
NASDAQ:               7788.45 -91.06
S&P 500:               2885.57 -16.04

 

Poland

Name	Value	Net Change	% Change	1 Month	1 Year	Time (EDT)	2 Day
WIG20:IND WIG 20	2,264.20	-11.45	-0.50%	+0.31%	-8.68%	11:15 AM
WIG:IND WSE WIG INDEX	58,415.84	-320.24	-0.55%	+1.45%	-9.37%	11:15 AM
WIG30:IND WIG30	2,574.14	-15.61	-0.60%	+0.61%	-10.02%	11:15 AM

 

 

Currency	Value	Change	Net Change	Time (EDT)	2 Day
EUR-USD	1.1524	0.0010	+0.09%	4:59 PM
USD-JPY	113.7200	-0.1900	-0.17%	4:59 PM
GBP-USD	1.3120	0.0099	+0.76%	4:59 PM
AUD-USD	0.7052	-0.0024	-0.34%	4:59 PM
USD-CAD	1.2939	0.0015	+0.12%	4:59 PM
USD-CHF	0.9920	0.0003	+0.03%	4:59 PM

 

USD-CZK	22.3628	-0.0205	-0.09%	4:59 PM
USD-SKK	26.1476	-0.0163	-0.06%	4:59 PM
USD-PLN	3.7354	-0.0097	-0.26%	4:59 PM
USD-HUF	281.6200	-0.0700	-0.02%	4:59 PM
USD-RUB	66.6043	-0.3077	-0.46%	4:58 PM

 

Today’s Rates

Best Execution	Rate	Change
30 Yr FRM	5.02%	+0.08
15 Yr FRM	4.50%	+0.10
FHA 30 Year Fixed	4.62%	+0.12
Jumbo 30 Year Fixed	4.50%	+0.09
5/1 Yr ARM	4.35%	+0.15
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	4.71%	0.40	+0.06
15 Yr. Fixed	4.15%	0.40	+0.04
1 Yr. ARM	2.68%	0.20	+0.01
5/1 Yr. ARM	4.01%	0.30	+0.09
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	94.39	-0.33
30YR FNMA 3.5	97.27	-0.31
30YR GNMA 3.0	95.75	-0.75
30YR GNMA 3.5	98.44	-0.34
15YR FNMA 3.0	98.02	-0.25
15YR FNMA 2.5	95.56	-0.30

 

Treasuries	Yield	Change
2 YR	2.8891%	+0.0170
5 YR	3.0727%	+0.0277
10 YR	3.2328%	+0.0458
30 YR	3.4054%	+0.0579

 

Mortgage Rate Averages

• Product
• Rate
• Change
• Last Week

• 30 yr fixed mtg
• 4.75%
• 0.15
• 4.60%

• 15 yr fixed mtg
• 4.03%
• 0.07
• 3.96%

• 30 yr fixed jumbo mtg
• 4.82%
• 0.02
• 4.80%

• 5/1 ARM
• 4.43%
• 0.01
• 4.42%

• 7/1 ARM
• 4.58%
• 0.05
• 4.53%

• 15 yr fixed jumbo mtg
• 4.72%
• 0.02
• 4.70%

• 10 yr fixed mtg
• 3.98%
• 0.09
• 3.89%

• 20 yr fixed mtg
• 4.55%
• 0.10
• 4.45%

CD Rate Averages

• Product
• Rate
• Change
• Last Week

• 3 yr CD
• 2.62%
• 0.06
• 2.56%

• 6 month CD
• 1.43%
• 0.01
• 1.42%

• 1 yr CD
• 2.54%
• —
• 2.54%

• 5 yr CD
• 2.83%
• 0.02
• 2.81%

• 1 yr jumbo CD
• 1.85%
• 0.02
• 1.87%

• 18 month CD
• 2.10%
• 0.02
• 2.08%

• 3 month CD
• 0.93%
• 0.02
• 0.91%

• 2 yr CD
• 2.68%
• 0.02
• 2.70%

Credit Card Rate Averages

• Product
• Rate
• Change
• Last Week

• Low Interest Credit Cards
• 14.13%
• 0.14
• 13.99%

• Balance Transfer Credit Cards
• 16.28%
• 0.11
• 16.17%

• Student Credit Cards
• 17.10%
• 0.12
• 16.98%

• Cash Back Credit Cards
• 17.15%
• 0.08
• 17.07%

• Airline Credit Cards
• 16.97%
• 0.08
• 16.89%

• Reward Credit Cards
• 17.03%
• 0.10
• 16.93%

• Business Credit Cards
• 14.70%
• 0.11
• 14.59%

• Credit Cards For Bad Credit
• 24.27%
• 0.09
• 24.18%

Auto Loan Rate Averages

• Product
• Rate
• Change
• Last Week

• 60 month used car loan
• 4.19%
• 0.01
• 4.18%

• 48 month used car loan
• 4.24%
• 0.01
• 4.23%

• 48 month new car loan
• 3.95%
• 0.02
• 3.93%

• 36 month used car loan
• 4.16%
• —
• 4.16%

• 36 month new car loan
• 3.57%
• 0.02
• 3.55%

• 60 month new car loan
• 4.15%
• 0.01
• 4.14%

• 72 month new car loan
• 4.00%
• 0.01
• 3.99%

• 60 month auto refinance
• 3.24%
• —
• 3.24%

Top of Form Week Month 1-Year 3-Year Bottom of Form
[click item to view chart]	Current		Previous		Previous
	Quote		Day		Week
	Oct 5, 2018		Oct 4, 2018		Sep 28, 2018
	Quote	% Chg	Quote	% Chg	Quote	% Chg
Macroeconomic Statistics
Aug Core US CPI Rate	2.2%	-8.3%	2.4%	0.0%	2.4%	0.0%
Aug Core US PCE Idx	2.00%	0.0%	2.00%	0.0%	2.00%	0.0%
Sep Non-Farm Payroll	134,000	-50.4%	270,000	0.0%	270,000	0.0%
Mortgage Rates
30 Yr FXD avg	4.71%	-0.2%	4.72%	0.0%	4.72%	4.4%
15 Yr FXD avg	4.15%	-0.2%	4.16%	0.0%	4.16%	4.8%
Fundamentals
1 Year CMT	2.6200%	0.2%	2.6140%	1.7%	2.5710%	3.8%
10 Year CMT	3.15%	3.3%	3.05%	-0.3%	3.06%	7.0%
2-Year Treasury	2.8930%	0.7%	2.8730%	1.8%	2.8230%	6.2%
10-Year Treasury	3.2350%	1.3%	3.1930%	4.2%	3.0650%	5.5%
30-Year Treasury	3.4050%	1.7%	3.3490%	4.4%	3.2080%	4.2%
12 MTA	2.053%	5.1%	1.953%	0.0%	1.953%	0.0%
USD 6M LIBOR	2.6235%	0.6%	2.6089%	0.3%	2.6005%	2.4%
USD 12M LIBOR	2.9569%	1.0%	2.9273%	0.3%	2.9174%	2.6%
USD 1M LIBOR	2.2806%	0.1%	2.2793%	1.0%	2.2560%	6.4%
11th District COFI	1.015%	-0.3%	1.018%	0.0%	1.018%	0.0%
Federal Funds	2.25%	0.0%	2.25%	0.0%	2.25%	12.5%
Gold, Mini $/oz	1204.75	-0.3%	1208.25	1.8%	1187.00	-1.2%
Currencies
EUR/USD	1.1507	0.0%	1.1511	-0.8%	1.1606	-0.3%
USD/JPY	113.7332	-0.2%	113.9543	0.3%	113.6563	1.9%
GBP/USD	1.3098	0.6%	1.3015	-0.1%	1.3027	1.0%
USD/CAD	1.2949	0.2%	1.2923	0.2%	1.2897	-2.2%
AUD/USD	0.704102	-0.5%	0.707717	-2.0%	0.721965	0.3%
USD/CHF	0.9924	0.1%	0.9909	1.0%	0.9811	1.0%