MAGAZYN KIESZEŃ (463) 07.22. 2023

Market Wrap-up

Domestic Flavor:

There were no domestic releases or speeches today.

Across the Pond:

Great Britton: Retail Sales MOM 0.7% vs. est. of 0.2%

Canada, eh: Retail Sales MOM 0.2% vs. est. of 0.5%

 

No data, no news today. It is about the FOMC meeting next week. The 10 ending unchanged as are MBS prices.

Next Week: Monday July final S&P global manufacturing index, July S&P global services sector index. Tuesday May Case/Shiller home price index, July consumer confidence index. Wednesday FOMC policy statement and J Powell’s press conference, weekly MBA mortgage applications, June new home sales. Thursday weekly jobless claims, Q2 advance GDP, June durable goods orders, ECB policy statement. Friday June personal income and spending, PCE inflation, Q2 employment cost index, July U. of Michigan consumer sentiment index.

This week: The 10 year note yield increased 2bps, FNMA 6.0 30 year coupon +2 bps. The DJIA this week +719, NASDAQ -81, S&P +31. Crude oil this week +$1.54, gold +$3.00. The dollar index essentially unchanged +0.14. Bitcoin -42.

Looking at week/week no change in the 10 year or MBS prices, there was volatility when dealing with day-to-day changes. Two ways to look at it.

10 year note at 4:00 pm

WE WILL REMAIN LOCKED OVER THE WEEKEND AHEAD OF FOMC.

PRICES @ 4:00 PM

10 year note: 3.84% -1 bp

5 year note: 4.10% -1 bp

2 year note: 4.87% unch

30 year bond: 3.91% unch

30 year FNMA 6.0: 100.91 +11 ( unch from 9:30 am)

30 year FNMA 5.5: 99.52 +6 bp (-6 bp from 9:30 am)

30 year GNMA 5.5: 99.53 +5 bp (-8 bp from 9:30 am)

Dollar/Yuan: $7.1876 +$0.0100

Dollar/Yen: 141.77 +1.70 yen

Dollar/Euro: $1.1123 -$0.0007

Dollar Index: 101.09 +0.21

Gold: $1964.10 -$6.80

Bitcoin: 29,962 +141

Crude Oil: $76.94 +$1.29

DJIA: 35,227.69 +2.51

NASDAQ: 14,032.81 -30.50

S&P 500: 4536.34 +1.47

SOFR Data 07/21: 30-DAY AVERAGE(%): 5.06901, 90-DAY AVERAGE(%): 5.05453, 180-DAY AVERAGE(%): 4.87391, INDEX: 1.08848927

Poland

NAME	VALUE	NET CHANGE	% CHANGE	1 MONTH	1 YEAR	TIME (EDT)
WIG20:IND WIG 20	2,155.56	-3.49	-0.16%	+5.92%	+26.67%	11:15 AM
WIG:IND WSE WIG INDEX	71,298.19	-79.37	-0.11%	+7.58%	+31.78%	11:15 AM
WIG30:IND WIG30	2,657.12	-2.86	-0.11%	+6.37%	+27.54%	11:15 AM

 

WALUTY

CURRENCY	VALUE	CHANGE	NET CHANGE	TIME (EDT)
EUR-USD	1.1124	-0.0006	-0.05%	4:59 PM
USD-JPY	141.7300	1.6600	+1.19%	4:59 PM
GBP-USD	1.2854	-0.0014	-0.11%	4:59 PM
AUD-USD	0.6729	-0.0050	-0.74%	4:59 PM
USD-CAD	1.3224	0.0052	+0.39%	4:59 PM
USD-CHF	0.8658	-0.0010	-0.12%	4:59 PM

 

 

USD-MXN

16.7529

-0.0874

-0.52%

7/14/202

 

 

 

SD-CZK	21.6045	0.0642	+0.30%	4:59 PM
USD-SKK	27.0815	0.0136	+0.05%	4:59 PM
USD-PLN	4.0101	0.0090	+0.22%	4:59 PM
USD-HUF	340.9800	-1.8300	-0.53%	4:59 PM
USD-RUB	90.6677	0.2273	+0.25%	10:41 AM

 

 

 

 

Mortgage Rates

30 Yr. Fixed Rate 6.98% -0.02%   Rate Change Points Mortgage News Daily 30 Yr. Fixed 6.98% -0.02 0.00 15 Yr. Fixed 6.35% -0.02 0.00 30 Yr. FHA 6.58% -0.02 0.00 30 Yr. Jumbo 6.98% 0.00 0.00 5/1 ARM 6.96% +0.01 0.00 30 Yr. VA 6.59% 0.00 0.00 Updates Daily – Last Update: 7/21 15 Yr. Fixed Rate 6.35% -0.02%   Rate Change Points Freddie Mac 30 Yr. Fixed 6.78% -0.18 0.00 15 Yr. Fixed 6.06% -0.24 0.00 Updates Weekly – Last Update: 7/20   Rate Change Points Mortgage Bankers Assoc. 30 Yr. Fixed 6.87% +0.29 0.66 15 Yr. Fixed 6.36% -0.06 0.72 30 Yr. Jumbo 6.89% -0.15 0.64 Updates Weekly – Last Update: 7/19

MBS / Treasuries

UMBS 30YR 5.5 99.53 +0.08   Price / Yield Change MBS UMBS 5.5 99.53 +0.08 UMBS 6.0 100.83 +0.03 GNMA 5.5 99.55 +0.06 GNMA 6.0 100.64 +0.08 Pricing as of: 7/21 5:31PM EST 10 Year US Treasury 3.8370 -0.0210   Price / Yield Change US Treasury 2 YR Treasury 4.848 +0.003 5 YR Treasury 4.095 -0.010 7 YR Treasury 3.971 -0.020 10 YR Treasury 3.837 -0.021 30 YR Treasury 3.899 -0.014 Pricing as of: 7/21 5:31PM EST

POŻYCZKI HIPOTECZNE

ELITE  21-30 YEAR				ELITE  16-20 YEAR
RATE	15 DAY	30 DAY	45 DAY	RATE	15 DAY	30 DAY	45 DAY
8.125	-4.136	-4.086	-3.956	8.125	-4.715	-4.665	-4.535
8.000	-3.944	-3.894	-3.764	8.000	-4.513	-4.463	-4.333
7.875	-3.605	-3.555	-3.425	7.875	-4.181	-4.131	-4.001
7.750	-3.367	-3.317	-3.187	7.750	-3.967	-3.917	-3.787
7.625	-3.311	-3.261	-3.131	7.625	-3.792	-3.742	-3.612
7.500	-3.218	-3.168	-3.038	7.500	-3.653	-3.603	-3.473
7.375	-2.848	-2.798	-2.668	7.375	-3.314	-3.264	-3.134
7.250	-2.516	-2.466	-2.336	7.250	-3.030	-2.980	-2.850
7.125	-2.414	-2.364	-2.234	7.125	-2.814	-2.764	-2.634
6.999	-2.278	-2.228	-2.098	6.999	-2.659	-2.609	-2.479
6.875	-1.841	-1.791	-1.661	6.875	-2.287	-2.237	-2.107
6.750	-1.443	-1.393	-1.263	6.750	-1.979	-1.929	-1.799
6.625	-1.392	-1.342	-1.212	6.625	-1.901	-1.851	-1.721
6.500	-1.288	-1.238	-1.108	6.500	-1.817	-1.767	-1.637
6.375	-0.787	-0.737	-0.607	6.375	-1.403	-1.353	-1.223
6.250	-0.313	-0.263	-0.133	6.250	-1.064	-1.014	-0.884
6.125	-0.228	-0.178	-0.048	6.125	-0.526	-0.476	-0.346
5.999	-0.136	-0.086	0.044	5.999	-0.437	-0.387	-0.257
5.875	0.523	0.573	0.703	5.875	0.031	0.081	0.211
5.750	1.134	1.184	1.314	5.750	0.388	0.438	0.568
5.625	1.180	1.230	1.360	5.625	0.985	1.035	1.165
5.500	1.607	1.657	1.787	5.500	1.345	1.395	1.525

 

ELITE 11-15 YEAR				ELITE  8-10 YEAR
RATE	15 DAY	30 DAY	45 DAY	RATE	15 DAY	30 DAY	45 DAY
7.000	-2.845	-2.795	-2.665	7.000	-2.715	-2.665	-2.535
6.875	-2.634	-2.584	-2.454	6.875	-2.513	-2.463	-2.333
6.750	-2.347	-2.297	-2.167	6.750	-2.228	-2.178	-2.048
6.625	-2.177	-2.127	-1.997	6.625	-2.058	-2.008	-1.878
6.500	-1.973	-1.923	-1.793	6.500	-1.843	-1.793	-1.663
6.375	-1.872	-1.822	-1.692	6.375	-1.750	-1.700	-1.570
6.250	-1.637	-1.587	-1.457	6.250	-1.519	-1.469	-1.339
6.125	-1.409	-1.359	-1.229	6.125	-1.290	-1.240	-1.110
6.000	-1.209	-1.159	-1.029	6.000	-1.076	-1.026	-0.896
5.875	-1.149	-1.099	-0.969	5.875	-1.027	-0.977	-0.847
5.750	-0.734	-0.684	-0.554	5.750	-0.615	-0.565	-0.435
5.625	-0.317	-0.267	-0.137	5.625	-0.198	-0.148	-0.018
5.500	-0.193	-0.143	-0.013	5.500	-0.120	-0.070	0.060
5.375	0.128	0.178	0.308	5.375	0.188	0.238	0.368
5.250	0.565	0.615	0.745	5.250	0.621	0.671	0.801
5.125	1.044	1.094	1.224	5.125	1.100	1.150	1.280
5.000	1.120	1.170	1.300	5.000	1.151	1.201	1.331
4.875	1.483	1.533	1.663	4.875	1.488	1.538	1.668
4.750	1.955	2.005	2.135	4.750	1.955	2.005	2.135
4.625	2.465	2.515	2.645	4.625	2.465	2.515	2.645
4.500	2.543	2.593	2.723	4.500	2.503	2.553	2.683
4.375	2.954	3.004	3.134	4.375	2.896	2.946	3.076