Magazyn Kieszeń (218) 06.23.2018

CENY @ 4:00 PM 06.22.2018

10 yr note:                         unch 2.90% unch
5 yr note:                           -2/32 (6 bp) 2.78% +1 bp  (5/10 spread now just 12 bps)
2 Yr note:                           unch 2.54% unch (36 bp between 2s and 10s)
30 yr bond:                        +2/32 (6 bp) 3.04% unch
Libor Rates:                       1 mo 2.091%; 3 mo 2.335%; 6 mo 2.504%; 1 yr 2.770%  (6/21/18)
30 yr FNMA 4.0 July:       101.72 -2 bp (+6 bp frm 9:30)
15 yr FNMA 4.0:              102.49 unch (+3 bp frm 9:30)
30 yr GNMA 4.0:             102.25 unch +5 bp frm 9:30)
Dollar/Yen:                       109.95 -0.02 yen
Dollar/Euro:                      $1.1663 +$0.0060
Dollar Index:                    94.54 -0.33
Gold:                                 $1271.70 +$1.20
Crude Oil:                        $69.15 +$3.61
DJIA:                                24,580.96 +119.26
NASDAQ:                        7692.82 -20.13
S&P 500:                        2754.89 +5.13

 

Poland

Name	Value	Net Change	% Change	1 Month	1 Year	Time (EDT)	2 Day
WIG20:IND WIG 20	2,162.88	+11.97	+0.56%	-2.28%	-6.14%	11:15 AM
WIG:IND WSE WIG INDEX	56,610.74	+185.49	+0.33%	-2.79%	-7.17%	11:15 AM
WIG30:IND WIG30	2,491.98	+11.32	+0.46%	-2.65%	-6.38%	11:15 AM

 

Currency		Value		Change			Net Change		Time (EDT)			2 Day
EUR-USD		1.1651		0.0047			+0.41%		4:59 PM
USD-JPY		109.9700		-0.0200			-0.02%		4:59 PM
GBP-USD		1.3261		0.0021			+0.16%		4:59 PM
AUD-USD		0.7440		0.0061			+0.83%		4:59 PM
USD-CAD		1.3269		-0.0046			-0.35%		4:59 PM
USD-CHF		0.9881		-0.0042			-0.42%		4:59 PM
USD-CZK		22.1403		-0.1530	-0.69%		4:59 PM
USD-SKK		25.8436		-0.1213	-0.47%		4:59 PM
USD-PLN		3.7088		-0.0206	-0.55%		4:59 PM
USD-HUF		278.7500		-2.4800	-0.88%		4:59 PM
USD-RUB		62.9873		-0.6634	-1.04%		4:58 PM

Today’s Rates

Best Execution	Rate	Change
30 Yr FRM	4.70%	+0.01
15 Yr FRM	4.15%	+0.01
FHA 30 Year Fixed	4.42%	+0.00
Jumbo 30 Year Fixed	4.73%	+0.00
5/1 Yr ARM	3.99%	-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	4.57%	0.50	-0.05
15 Yr. Fixed	4.04%	0.40	-0.03
1 Yr. ARM	2.68%	0.20	+0.01
5/1 Yr. ARM	3.83%	0.30	+0.00
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	96.53	0.00
30YR FNMA 3.5	99.23	+0.02
30YR GNMA 3.0	97.56	+0.03
30YR GNMA 3.5	100.08	0.00
15YR FNMA 3.0	99.13	0.00
15YR FNMA 2.5	96.91	-0.02

 

Treasuries	Yield	Change
2 YR	2.5454%	+0.0043
5 YR	2.7668%	-0.0017
10 YR	2.8949%	-0.0037
30 YR	3.0370%	-0.0063

 

Top of Form Week Month 1-Year 3-Year Bottom of Form
[click item to view chart]		Current		Previous		Previous
		Quote		Day		Week
		Jun 22, 2018		Jun 21, 2018		Jun 15, 2018
		Quote	% Chg	Quote	% Chg	Quote	% Chg
Macroeconomic Statistics
May Core US CPI Rate		2.2%	4.8%	2.1%	0.0%	2.1%	0.0%
Apr Core US PCE Idx		1.80%	0.0%	1.80%	0.0%	1.80%	0.0%
May Non-Farm Payroll		223,000	40.3%	159,000	0.0%	159,000	0.0%
Mortgage Rates
30 Yr FXD avg		4.57%	-1.1%	4.62%	0.0%	4.62%	0.2%
15 Yr FXD avg		4.04%	-0.7%	4.07%	0.0%	4.07%	-0.2%
Fundamentals
1 Year CMT		2.3280%	-0.1%	2.3310%	1.4%	2.2998%	0.9%
10 Year CMT		2.93%	1.4%	2.89%	-3.0%	2.98%	-2.6%
2-Year Treasury		2.5500%	-0.2%	2.5540%	0.8%	2.5327%	1.1%
10-Year Treasury		2.9100%	0.1%	2.9080%	0.1%	2.9059%	-2.5%
30-Year Treasury		3.0550%	0.2%	3.0490%	0.5%	3.0331%	-3.6%
12 MTA		1.650%	6.5%	1.548%	0.0%	1.548%	0.0%
USD 6M LIBOR		2.5044%	0.1%	2.5009%	-0.1%	2.5029%	0.1%
USD 12M LIBOR		2.7703%	-0.1%	2.7725%	0.0%	2.7719%	0.3%
USD 1M LIBOR		2.0911%	0.4%	2.0836%	-0.1%	2.0851%	6.1%
11th District COFI		0.895%	10.0%	0.814%	0.0%	0.814%	0.0%
Federal Funds		2.00%	0.0%	2.00%	0.0%	2.00%	14.3%
Gold, Mini $/oz		1271.25	0.3%	1267.25	-1.1%	1281.50	-0.5%
Currencies
EUR/USD		1.1637	0.3%	1.1606	0.1%	1.1594	-0.9%
USD/JPY		109.8342	-0.2%	110.0093	-0.6%	110.6733	0.8%
GBP/USD		1.3264	0.1%	1.3252	-0.2%	1.3277	-0.7%
USD/CAD		1.3323	0.0%	1.3330	1.0%	1.3204	2.9%
AUD/USD		0.743758	0.8%	0.737739	-0.9%	0.744477	-1.7%
USD/CHF		0.9895	-0.2%	0.9919	-0.7%	0.9986	0.4%
1 Year 3 Years5 Years
Jun 22, 2018		Last	Chg
May Unemployment		3.8%	-0.1%
Jun UI Claims		218,000	-3,000
May Non-Farm Payroll		223,000	64,000
May ADP Non-Farm Payroll		178,000	15,000
Mar Real GDP		2.2%	-0.7%
May Deficit/Surplus		-147	-361
Mar Corp Profit Grwth		0.1%	9.7%
Apr Savings Rate		2.8%	-0.2%
Apr Disposable Income		0.4%	0.2%
May Retail Sales		0.8%	0.5%
Jun Mort Applications		5.1%	6.6%
Mar Case-Shiller 20-City		6.8%	0.0%
May Housing Starts		1,350,000	64,000
Apr New Home Sales		662,000	-10,000
May Existing Home Sales		5,430,000	-20,000
May Home Sales Mo Supply		4.1	0.1

 

Mortgage Rate Averages

• Product
• Rate
• Change
• Last Week

• 30 yr fixed mtg
• 4.45%
• 0.02
• 4.47%

• 15 yr fixed mtg
• 3.89%
• 0.01
• 3.90%

• 30 yr fixed jumbo mtg
• 4.61%
• 0.03
• 4.64%

• 5/1 ARM
• 4.19%
• 0.03
• 4.22%

• 7/1 ARM
• 4.31%
• 0.01
• 4.30%

• 15 yr fixed jumbo mtg
• 4.53%
• 0.03
• 4.56%

• 10 yr fixed mtg
• 3.76%
• 0.03
• 3.79%

• 20 yr fixed mtg
• 4.27%
• 0.02
• 4.29%

CD Rate Averages

• Product
• Rate
• Change
• Last Week

• 3 yr CD
• 2.44%
• 0.02
• 2.46%

• 6 month CD
• 1.52%
• 0.06
• 1.46%

• 1 yr CD
• 2.30%
• 0.02
• 2.28%

• 5 yr CD
• 2.75%
• 0.01
• 2.76%

• 1 yr jumbo CD
• 1.71%
• —
• 1.71%

• 18 month CD
• 2.12%
• 0.07
• 2.05%

• 3 month CD
• 0.83%
• 0.02
• 0.81%

• 2 yr CD
• 2.51%
• 0.03
• 2.48%

Credit Card Rate Averages

• Product
• Rate
• Change
• Last Week

• Low Interest Credit Cards
• 13.70%
• 0.07
• 13.63%

• Balance Transfer Credit Cards
• 16.05%
• 0.07
• 15.98%

• Student Credit Cards
• 16.29%
• 0.06
• 16.23%

• Cash Back Credit Cards
• 17.01%
• 0.02
• 16.99%

• Airline Credit Cards
• 16.72%
• 0.06
• 16.66%

• Reward Credit Cards
• 16.87%
• 0.06
• 16.81%

• Business Credit Cards
• 14.41%
• 0.07
• 14.34%

• Credit Cards For Bad Credit
• 23.80%
• 0.06
• 23.74%

Auto Loan Rate Averages

• Product
• Rate
• Change
• Last Week

• 60 month used car loan
• 4.20%
• 0.04
• 4.24%

• 48 month used car loan
• 4.23%
• 0.14
• 4.37%

• 48 month new car loan
• 3.70%
• 0.51
• 4.21%

• 36 month used car loan
• 4.16%
• 0.21
• 4.37%

• 36 month new car loan
• 3.45%
• 0.68
• 4.13%

• 60 month new car loan
• 3.85%
• 0.46
• 4.31%

• 72 month new car loan
• 3.74%
• 0.46
• 4.20%

• 60 month auto refinance
• 3.11%
• 0.10
• 3.01%