Magazyn Kieszeń (238) 11.10.2018

CENY @ 4:00 PM 11.09.2018

10 yr note:                    +13/32 (41 bp) 3.19% -5 bp
5 yr note:                      +7/32 (22 bp) 3.04% -6 bp
2 Yr note:                      +2/32 (6 bp) 2.94% -4 bp
30 yr bond:                   +25/32 (78 bp) 3.39%  -5 bp
Libor Rates:                  1 mo 2.318%; 3 mo 2.614%; 6 mo 2.857%; 1 yr 3.140%
30 yr FNMA 4.5:          102.00 +14 p (+11 bp frm 9:30)
15 yr FNMA 4.0:         101.48 +6 bp (+8 bp frm 9:30)
30 yr GNMA 4.5:        102.39 +6 bp (+6 bp frm 9:30)
Dollar/Yuan:                $6.9569 +$0.0226
Dollar/Yen:                  113.81 -0.25  yen
Dollar/Euro:                $1.1333 -$0.0032
Dollar Index:               96.94 +0.31
Gold:                            $1209.50 -$15.60
Crude Oil:                    $59.96 -$0.71
DJIA:                            25,989.30 -201.92
NASDAQ:                    7406.90 -123.98
S&P 500:                    2781.01 -25.82

Poland

Name				Value				Net Change			% Change				1 Month			1 Year	Time (EST)	2 Day
WIG20:IND WIG 20				2,232.25				-30.59			-1.35%				+2.09%			-9.92%	11:15 AM
WIG:IND WSE WIG INDEX				56,924.39				-731.34			-1.27%				+0.72%			-10.95%	11:15 AM
WIG30:IND WIG30				2,530.73				-39.38			-1.53%				+1.85%			-10.78%	11:15 AM
Currency		Value			Change				Net Change				Time (EST)		2 Day
EUR-USD		1.1336			-0.0027				-0.24%				4:59 PM
USD-JPY		113.8300			-0.2400				-0.21%				4:59 PM
GBP-USD		1.2972			-0.0090				-0.69%				4:59 PM
AUD-USD		0.7226			-0.0030				-0.41%				4:59 PM
USD-CAD		1.3212			0.0057				+0.43%				4:59 PM
USD-CHF		1.0056			-0.0003				-0.03%				4:59 PM
USD-CZK	22.8635			0.0910		+0.40%		4:59 PM
USD-SKK	26.5784			0.0684		+0.26%		4:59 PM
USD-PLN	3.7829			0.0141		+0.37%		4:59 PM
USD-HUF	283.5300			1.0100		+0.36%		4:59 PM
USD-RUB	67.9565			1.0390		+1.55%		4:58 PM

 

 

Today’s Rates

Best Execution	Rate	Change
30 Yr FRM	5.05%	+0.00
15 Yr FRM	4.53%	+0.00
FHA 30 Year Fixed	4.57%	+0.00
Jumbo 30 Year Fixed	4.61%	+0.01
5/1 Yr ARM	4.41%	-0.29
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	4.94%	0.50	+0.11
15 Yr. Fixed	4.33%	0.50	+0.10
1 Yr. ARM	2.68%	0.20	+0.01
5/1 Yr. ARM	4.14%	0.30	+0.10
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	94.08	+0.17
30YR FNMA 3.5	96.89	+0.20
30YR GNMA 3.0	95.33	+0.09
30YR GNMA 3.5	97.77	+0.14
15YR FNMA 3.0	98.00	+0.13
15YR FNMA 2.5	95.56	+0.20

 

Treasuries	Yield	Change
2 YR	2.9282%	-0.0450
5 YR	3.0405%	-0.0528
10 YR	3.1856%	-0.0536
30 YR	3.3875%	-0.0487

 

Mortgage Rate Averages

• Product
• Rate
• Change
• Last Week

• 30 yr fixed mtg
• 4.82%
• 0.07
• 4.75%

• 15 yr fixed mtg
• 4.13%
• 0.06
• 4.07%

• 30 yr fixed jumbo mtg
• 4.84%
• 0.05
• 4.79%

• 5/1 ARM
• 4.48%
• 0.21
• 4.27%

• 7/1 ARM
• 4.58%
• 0.16
• 4.42%

• 15 yr fixed jumbo mtg
• 4.61%
• 0.01
• 4.60%

• 10 yr fixed mtg
• 4.06%
• 0.06
• 4.00%

• 20 yr fixed mtg
• 4.61%
• 0.03
• 4.58%

CD Rate Averages

• Product
• Rate
• Change
• Last Week

• 3 yr CD
• 2.80%
• 0.04
• 2.76%

• 6 month CD
• 1.72%
• 0.02
• 1.70%

• 1 yr CD
• 2.61%
• 0.02
• 2.59%

• 5 yr CD
• 3.03%
• 0.06
• 2.97%

• 1 yr jumbo CD
• 2.06%
• 0.16
• 1.90%

• 18 month CD
• 2.36%
• 0.05
• 2.31%

• 3 month CD
• 1.00%
• 0.01
• 0.99%

• 2 yr CD
• 2.77%
• 0.03
• 2.74%

Credit Card Rate Averages

• Product
• Rate
• Change
• Last Week

• Low Interest Credit Cards
• 14.23%
• 0.04
• 14.19%

• Balance Transfer Credit Cards
• 16.39%
• 0.02
• 16.37%

• Student Credit Cards
• 17.20%
• —
• 17.20%

• Cash Back Credit Cards
• 17.21%
• 0.05
• 17.16%

• Airline Credit Cards
• 17.12%
• —
• 17.12%

• Reward Credit Cards
• 17.13%
• 0.03
• 17.10%

• Business Credit Cards
• 14.78%
• —
• 14.78%

• Credit Cards For Bad Credit
• 24.34%
• 0.04
• 24.30%

Auto Loan Rate Averages

• Product
• Rate
• Change
• Last Week

• 60 month used car loan
• 4.37%
• 0.02
• 4.35%

• 48 month used car loan
• 4.55%
• 0.01
• 4.54%

• 48 month new car loan
• 4.64%
• 0.05
• 4.59%

• 36 month used car loan
• 4.54%
• 0.03
• 4.51%

• 36 month new car loan
• 4.59%
• 0.05
• 4.54%

• 60 month new car loan
• 4.80%
• 0.03
• 4.77%

• 72 month new car loan
• 4.74%
• 0.04
• 4.70%

• 60 month auto refinance
• 3.00%
• —
• 3.00%

 

 

Top of Form Week Month 1-Year 3-Year Bottom of Form
[click item to view chart]	Current		Previous		Previous
	Quote		Day		Week
	Nov 9, 2018		Nov 8, 2018		Nov 2, 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%
Sep Core US PCE Idx	2.00%	0.0%	2.00%	0.0%	2.00%	0.0%
Oct Non-Farm Payroll	250,000	111.9%	118,000	0.0%	118,000	0.0%
Mortgage Rates
30 Yr FXD avg	4.94%	2.3%	4.83%	0.0%	4.83%	2.5%
15 Yr FXD avg	4.33%	2.4%	4.23%	0.0%	4.23%	1.9%
Fundamentals
1 Year CMT	2.7310%	-0.4%	2.7410%	2.0%	2.6860%	0.9%
10 Year CMT	3.22%	0.0%	3.22%	2.2%	3.15%	-2.5%
2-Year Treasury	2.9320%	-1.1%	2.9650%	1.8%	2.9120%	2.7%
10-Year Treasury	3.1910%	-1.1%	3.2260%	0.2%	3.2200%	2.0%
30-Year Treasury	3.3970%	-0.7%	3.4200%	-1.2%	3.4620%	3.5%
12 MTA	2.160%	5.2%	2.053%	0.0%	2.053%	0.0%
USD 6M LIBOR	2.8576%	0.5%	2.8435%	1.0%	2.8165%	7.1%
USD 12M LIBOR	3.1408%	0.5%	3.1251%	0.9%	3.0961%	4.5%
USD 1M LIBOR	2.3184%	0.1%	2.3153%	0.1%	2.3136%	1.2%
11th District COFI	1.018%	0.3%	1.015%	0.0%	1.015%	0.0%
Federal Funds	2.25%	0.0%	2.25%	0.0%	2.25%	0.0%
Gold, Mini $/oz	1212.75	-1.0%	1224.75	0.2%	1222.25	2.3%
Currencies
EUR/USD	1.1331	-0.2%	1.1354	-0.4%	1.1400	-1.0%
USD/JPY	113.8453	-0.2%	114.1104	0.9%	113.0704	0.7%
GBP/USD	1.2974	-0.7%	1.3063	0.7%	1.2970	-1.7%
USD/CAD	1.3224	0.6%	1.3148	0.4%	1.3099	0.2%
AUD/USD	0.723392	-0.3%	0.725744	0.8%	0.719954	2.2%
USD/CHF	1.0052	0.0%	1.0053	0.2%	1.0037	1.4%