Magazyn Kieszeń (234) 10.12.2018

CENY @ 4:00 PM 10.12.2018

10 yr note:                   unch 3.15% unch
5 yr note:                     -2/32 (6 bp) 3.01% +1 bp
2 Yr note:                     unch 2.85% unch
30 yr bond:                  -7/32 (22 bp) 3.34% +2 bp
Libor Rates:                  1 mo 2.279%; 3 mo 2.436%; 6 mo 2.635%; 1 yr 2.954%  (10/11/18)
30 yr FNMA 4.5:        102.50 -8 bp (-3 bp frm 9:30)
15 yr FNMA 4.5:        101.08 +3 bp (-1 bp frm 9:30)
30 yr GNMA 4.5:       102.76 -1 bp (-1 bp frm 9:30)
Dollar/Yuan:               $6.9222 +$0.0323
Dollar/Yen:                 112.21 +0.05 yen
Dollar/Euro:               $1.1559 -$0.0037
Dollar Index:              95.21 +0.21
Gold:                           $1221.50 -$6.10
Crude Oil:                  $71.66 +$0.69
DJIA:                          25,339.99 +287.16
NASDAQ:                  7496.89 +167.83
S&P 500:                   2767.13 +38.76   

Poland

Name	Value	Net Change	% Change	1 Month	1 Year	Time (EDT)	2 Day
WIG20:IND WIG 20	2,186.62	+26.74	+1.24%	-2.04%	-13.51%	11:15 AM
WIG:IND WSE WIG INDEX	56,516.02	+574.96	+1.03%	-1.94%	-13.48%	11:15 AM
WIG30:IND WIG30	2,484.70	+25.47	+1.04%	-2.19%	-14.92%	11:15 AM

 

Currency	Value	Change	Net Change	Time (EDT)	2 Day
EUR-USD	1.1560	-0.0033	-0.28%	4:59 PM
USD-JPY	112.2100	0.0500	+0.04%	4:59 PM
GBP-USD	1.3153	-0.0077	-0.58%	4:59 PM
AUD-USD	0.7114	-0.0010	-0.14%	4:59 PM
USD-CAD	1.3024	-0.0008	-0.06%	4:59 PM
USD-CHF	0.9929	0.0035	+0.35%	4:59 PM

 

USD-CZK	22.2986	0.0286	+0.13%	4:59 PM
USD-SKK	26.0610	0.0760	+0.29%	4:59 PM
USD-PLN	3.7161	0.0004	+0.01%	4:59 PM
USD-HUF	280.4200	0.0900	+0.03%	4:59 PM
USD-RUB	66.0646	-0.2264	-0.34%	4

 

 

 

Today’s Rates

Best Execution	Rate	Change
30 Yr FRM	4.94%	+0.00
15 Yr FRM	4.42%	-0.01
FHA 30 Year Fixed	4.50%	+0.00
Jumbo 30 Year Fixed	4.40%	-0.01
5/1 Yr ARM	4.43%	+0.01
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	4.90%	0.50	+0.19
15 Yr. Fixed	4.29%	0.50	+0.14
1 Yr. ARM	2.68%	0.20	+0.01
5/1 Yr. ARM	4.07%	0.30	+0.06
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	94.63	-0.19
30YR FNMA 3.5	97.47	-0.17
30YR GNMA 3.0	95.97	-0.17
30YR GNMA 3.5	98.50	-0.14
15YR FNMA 3.0	98.27	-0.16
15YR FNMA 2.5	95.83	-0.16

 

Treasuries	Yield	Change
2 YR	2.8611%	+0.0127
5 YR	3.0217%	+0.0207
10 YR	3.1670%	+0.0210
30 YR	3.3381%	+0.0208

 

Top of Form Week Month 1-Year 3-Year Bottom of Form
[click item to view chart]	Current		Previous		Previous
	Quote		Day		Week
	Oct 12, 2018		Oct 11, 2018		Oct 5, 2018
	Quote	% Chg	Quote	% Chg	Quote	% Chg
Macroeconomic Statistics
Sep Core US CPI Rate	2.2%	0.0%	2.2%	0.0%	2.2%	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	4.90%	4.0%	4.71%	0.0%	4.71%	3.7%
15 Yr FXD avg	4.29%	3.4%	4.15%	0.0%	4.15%	4.0%
Fundamentals
1 Year CMT	2.6460%	-0.3%	2.6540%	1.3%	2.6200%	3.0%
10 Year CMT	3.22%	0.3%	3.21%	1.9%	3.15%	7.1%
2-Year Treasury	2.8400%	-0.9%	2.8650%	-0.8%	2.8890%	4.8%
10-Year Treasury	3.1390%	-1.1%	3.1750%	-1.8%	3.2330%	8.9%
30-Year Treasury	3.3160%	-0.9%	3.3470%	-1.7%	3.4050%	9.4%
12 MTA	2.053%	5.1%	1.953%	0.0%	1.953%	0.0%
USD 6M LIBOR	2.6353%	0.0%	2.6363%	0.5%	2.6235%	2.6%
USD 12M LIBOR	2.9543%	-0.5%	2.9691%	0.4%	2.9569%	3.1%
USD 1M LIBOR	2.2795%	-0.2%	2.2832%	0.1%	2.2806%	6.2%
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	1224.25	0.2%	1222.25	1.3%	1206.75	-0.1%
Currencies
EUR/USD	1.1553	-0.3%	1.1590	0.5%	1.1527	-1.0%
USD/JPY	111.9103	-0.1%	112.0749	-1.5%	113.8156	2.4%
GBP/USD	1.3156	-0.6%	1.3233	0.8%	1.3122	0.6%
USD/CAD	1.3046	0.2%	1.3018	0.6%	1.2943	-0.4%
AUD/USD	0.711275	-0.2%	0.712362	1.1%	0.704760	-1.7%
USD/CHF	0.9912	0.3%	0.9886	-0.3%	0.9918	2.1%

 

Mortgage Rate Averages

• Product
• Rate
• Change
• Last Week

• 30 yr fixed mtg
• 4.76%
• 0.01
• 4.75%

• 15 yr fixed mtg
• 4.02%
• 0.01
• 4.03%

• 30 yr fixed jumbo mtg
• 4.82%
• —
• 4.82%

• 5/1 ARM
• 4.38%
• 0.05
• 4.43%

• 7/1 ARM
• 4.46%
• 0.12
• 4.58%

• 15 yr fixed jumbo mtg
• 4.59%
• 0.13
• 4.72%

• 10 yr fixed mtg
• 3.94%
• 0.04
• 3.98%

• 20 yr fixed mtg
• 4.54%
• 0.01
• 4.55%

CD Rate Averages

• Product
• Rate
• Change
• Last Week

• 3 yr CD
• 2.68%
• 0.06
• 2.62%

• 6 month CD
• 1.56%
• 0.13
• 1.43%

• 1 yr CD
• 2.56%
• 0.02
• 2.54%

• 5 yr CD
• 2.88%
• 0.05
• 2.83%

• 1 yr jumbo CD
• 1.88%
• 0.03
• 1.85%

• 18 month CD
• 2.11%
• 0.01
• 2.10%

• 3 month CD
• 0.97%
• 0.04
• 0.93%

• 2 yr CD
• 2.71%
• 0.03
• 2.68%

Auto Loan Rate Averages

• Product
• Rate
• Change
• Last Week

• 60 month used car loan
• 4.34%
• 0.15
• 4.19%

• 48 month used car loan
• 4.51%
• 0.27
• 4.24%

• 48 month new car loan
• 4.52%
• 0.57
• 3.95%

• 36 month used car loan
• 4.47%
• 0.31
• 4.16%

• 36 month new car loan
• 4.45%
• 0.88
• 3.57%

• 60 month new car loan
• 4.68%
• 0.53
• 4.15%

• 72 month new car loan
• 4.64%
• 0.64
• 4.00%

• 60 month auto refinance
• 3.00%
• 0.24
• 3.24%