Magazyn Kieszeń (231) 09.21.2018

CENY @ 4:00 PM 09.21.2018

10 yr note:                   -1/32 (3 bp) 3.07% unch
5 yr note:                      unch 2.95% unch
2 Yr note:                     unch 2.81% unch
30 yr bond:                  -1/32 (3 bp) 3.20% unch
Libor Rates:                 1 mo 2.212%; 3 mo 2.366%; 6 mo 2.584%; 1 yr 2.896%  (9/20/18)
30 yr FNMA 4.0:         100.83 +2 bp (+5 bp frm 9:30)
15 yr FNMA 4.0:         102.02 +1 bp (+2 bp frm 9:30)
30 yr GNMA 4.0:        101.50 unch (+3 bp frm 9:30)
Dollar/Yuan:                $6.8569 +$0.0097
Dollar/Yen:                 112.56 +0.08 yen
Dollar/Euro:                $1.1750 -$0.0028
Dollar Index:               94.21 +0.31
Gold:                            $1202.90 -$8.40
Crude Oil:                   $70.77 -$0.35
DJIA:                           26,736.10 +79.12
NASDAQ:                   7986.96 -41.28
S&P 500:                   2929.54 -1.21

Poland

Name				Value				Net Change			% Change				1 Month			1 Year	Time (EDT)	2 Day
WIG20:IND WIG 20				2,257.47				-1.16			-0.05%				-2.39%			-9.00%	11:15 AM
WIG:IND WSE WIG INDEX				58,237.83				+6.26			+0.01%				-2.78%			-9.56%	11:15 AM
WIG30:IND WIG30				2,566.05				-1.04			-0.04%				-2.57%			-10.60%	11:15 AM
Currency		Value			Change				Net Change				Time (EDT)		2 Day
EUR-USD		1.1749			-0.0028				-0.24%				4:59 PM
USD-JPY		112.5900			0.1000				+0.09%				4:59 PM
GBP-USD		1.3072			-0.0193				-1.45%				4:59 PM
AUD-USD		0.7290			-0.0002				-0.03%				4:59 PM
USD-CAD		1.2916			0.0013				+0.10%				4:59 PM
USD-CHF		0.9587			-0.0003				-0.03%				4:59 PM
USD-CZK	21.7950			0.0820		+0.38%		4:59 PM
USD-SKK	25.6385			0.0576		+0.23%		4:59 PM
USD-PLN	3.6649			0.0215		+0.59%		4:59 PM
USD-HUF	275.9400			1.2300		+0.45%		4:59 PM
USD-RUB	66.4552			0.1519		+0.23%		4:58 PM

 

Today’s Rates

Best Execution	Rate	Change
30 Yr FRM	4.85%	-0.02
15 Yr FRM	4.30%	-0.02
FHA 30 Year Fixed	4.48%	-0.02
Jumbo 30 Year Fixed	4.40%	-0.01
5/1 Yr ARM	4.05%	-0.05
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	4.65%	0.50	+0.05
15 Yr. Fixed	4.11%	0.50	+0.05
1 Yr. ARM	2.68%	0.20	+0.01
5/1 Yr. ARM	3.92%	0.40	-0.01
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	95.50	+0.05
30YR FNMA 3.5	98.27	+0.02
30YR GNMA 3.0	96.69	+0.14
30YR GNMA 3.5	99.13	+0.02
15YR FNMA 3.0	98.66	+0.03
15YR FNMA 2.5	96.36	0.00

 

Treasuries	Yield	Change
2 YR	2.8041%	-0.0035
5 YR	2.9519%	-0.0032
10 YR	3.0665%	+0.0020
30 YR	3.2031%	+0.0042
Prices as of: 9/21/2018 5:05PM EST

 

 

 

 

Mortgage Rate Averages

• Product
• Rate
• Change
• Last Week

• 30 yr fixed mtg
• 4.66%
• 0.16
• 4.50%

• 15 yr fixed mtg
• 3.97%
• 0.09
• 3.88%

• 30 yr fixed jumbo mtg
• 4.85%
• 0.21
• 4.64%

• 5/1 ARM
• 4.43%
• 0.16
• 4.27%

• 7/1 ARM
• 4.55%
• 0.09
• 4.46%

• 15 yr fixed jumbo mtg
• 4.65%
• 0.10
• 4.55%

• 10 yr fixed mtg
• 3.91%
• 0.11
• 3.80%

• 20 yr fixed mtg
• 4.49%
• 0.17
• 4.32%

CD Rate Averages

• Product
• Rate
• Change
• Last Week

• 3 yr CD
• 2.56%
• —
• 2.55%

• 6 month CD
• 1.42%
• 0.01
• 1.41%

• 1 yr CD
• 2.53%
• 0.02
• 2.51%

• 5 yr CD
• 2.81%
• —
• 2.81%

• 1 yr jumbo CD
• 1.86%
• 0.03
• 1.83%

• 18 month CD
• 2.08%
• 0.03
• 2.05%

• 3 month CD
• 0.91%
• 0.03
• 0.94%

• 2 yr CD
• 2.70%
• —
• 2.70%

Credit Card Rate Averages

• Product
• Rate
• Change
• Last Week

• Low Interest Credit Cards
• 13.99%
• —
• 13.99%

• Balance Transfer Credit Cards
• 16.21%
• —
• 16.21%

• Student Credit Cards
• 16.98%
• —
• 16.98%

• Cash Back Credit Cards
• 17.09%
• —
• 17.09%

• Airline Credit Cards
• 16.93%
• —
• 16.93%

• Reward Credit Cards
• 16.92%
• —
• 16.92%

• Business Credit Cards
• 14.59%
• —
• 14.59%

• Credit Cards For Bad Credit
• 24.18%
• —
• 24.18%

Auto Loan Rate Averages

• Product
• Rate
• Change
• Last Week

• 60 month used car loan
• 4.32%
• 0.04
• 4.36%

• 48 month used car loan
• 4.46%
• 0.02
• 4.48%

• 48 month new car loan
• 4.43%
• 0.01
• 4.42%

• 36 month used car loan
• 4.39%
• 0.02
• 4.41%

• 36 month new car loan
• 4.34%
• —
• 4.34%

• 60 month new car loan
• 4.57%
• 0.01
• 4.56%

• 72 month new car loan
• 4.51%
• 0.03
• 4.54%

• 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
	Sep 21, 2018		Sep 20, 2018		Sep 14, 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%
Jul Core US PCE Idx	2.00%	5.3%	1.90%	0.0%	1.90%	0.0%
Aug Non-Farm Payroll	201,000	36.7%	147,000	0.0%	147,000	0.0%
Mortgage Rates
30 Yr FXD avg	4.65%	1.1%	4.60%	0.0%	4.60%	1.5%
15 Yr FXD avg	4.11%	1.2%	4.06%	0.0%	4.06%	1.2%
Fundamentals
1 Year CMT	2.5770%	0.1%	2.5740%	0.5%	2.5620%	5.8%
10 Year CMT	3.08%	1.0%	3.05%	2.7%	2.97%	5.3%
2-Year Treasury	2.8130%	0.0%	2.8130%	1.0%	2.7860%	7.2%
10-Year Treasury	3.0700%	0.1%	3.0660%	2.2%	3.0000%	6.5%
30-Year Treasury	3.2050%	0.1%	3.2010%	2.2%	3.1330%	5.1%
12 MTA	1.953%	6.1%	1.841%	0.0%	1.841%	0.0%
USD 6M LIBOR	2.5849%	0.5%	2.5718%	0.2%	2.5671%	2.2%
USD 12M LIBOR	2.8966%	0.3%	2.8871%	0.5%	2.8734%	2.3%
USD 1M LIBOR	2.2122%	1.4%	2.1824%	1.1%	2.1584%	4.5%
11th District COFI	1.018%	9.0%	0.934%	0.0%	0.934%	0.0%
Federal Funds	2.00%	0.0%	2.00%	0.0%	2.00%	0.0%
Gold, Mini $/oz	1210.25	0.2%	1208.00	0.5%	1202.25	-0.1%
Currencies
EUR/USD	1.1748	-0.2%	1.1774	1.3%	1.1621	0.2%
USD/JPY	112.4856	-0.1%	112.5902	0.4%	112.1021	1.4%
GBP/USD	1.3088	-1.4%	1.3274	1.5%	1.3076	1.2%
USD/CAD	1.2927	0.1%	1.2911	-1.0%	1.3038	0.3%
AUD/USD	0.728573	0.0%	0.728589	1.9%	0.714985	-2.8%
USD/CHF	0.9598	0.0%	0.9595	-0.8%	0.9675	-1.7%