Market Wrap-up

Our benchmark FNMA MBS 5.500 July Coupon is up +4 BPS at 2:50 PM ET.

The preliminary June UofM Consumer Sentiment Index moved off of its 40 year low of 44.8 to 48.9 which is still a very weak reading. 1 Year Inflation Expectations dropped from 4.8% down to 4.6%.

US interest rates quiet but slightly higher today after rates fell yesterday on increased optimism a deal with Iran may be eminent. Today crude continued to decline, gold continued to increase and stock indexes added to yesterday’s gains.

Pakistani Prime Minister Shehbaz Sharif, who has been helping negotiate a deal, earlier Friday said a “final, agreed upon text” of a deal between the U.S. and Iran “has been reached.” Meantime after President Trump was all in yesterday saying a deal is very likely, now as he does so often the administration saying the US isn’t “100%” confident the agreement will be consummated, a senior Trump administration official said, “I maybe would have said 75% this morning. It’s probably more like 80-85% now,” said the official. “But it’s not 100%.” Based on 47 years of history delaying any deals between the USA an Iran cannot be assured until its done. The only market that didn’t experience continued optimism based on today’s prices is the US treasury market.

SpaceX went public today, the initial stock opened +$150.00, higher than the pre-opening $135.00 price, and continued to increase through the day, closing at 161.11.

Next Week: the prime focus will be on Iran. Data next week: Monday June Empire State manufacturing index, May industrial production and capacity utilization, June NAHB housing market index. Tuesday May housing starts and permits, May import and export prices, FOMC meeting begins. Wednesday MBA mortgage applications, May retail sales, May pending home sales, FOMC policy statement and the first press conference for new Fed chief Kevin Warsh. Thursday weekly jobless claims, June Philadelphia Fed business index. Friday all markets closed for Juneteenth Day.

This Week: The 10 year note -6 bps, 2 year note -8 bp, FNNA 5.5 coupon +23 bps. DJIA +335, NASDAQ +180, S&P +47. Gold -$120.00, crude oil -$5.88. Dollar index -0.32, bitcoin +4,923.

CENY @ 4:00 PM

10 year note: 4.49% +2 bp

5 year note: 4.22% +3 bp

2 year note: 4.09% +2 bp

30 year bond: 4.98% +2 bp

30 year FNMA 6.0: 102.02 -7 bp (+2 bp from 9:30 am)

30 year FNMA 5.5: 100.17 -12 bp (-3 bp from 9:30 am)

30 year GNMA 6.0: 101.78 -9 bp (-5 bp from 9:30 am)

Dollar/Yen: 160.23 +0.27 yen

Dollar/Euro: $1.1572 -$0.0008

Dollar Index: 99.76 -0.09

Gold: $4,227.00 +$113.00

Bitcoin: 63,694 +140

Crude Oil: $84.49 -$3.22

DJIA: 51,202.26 +353.51

NASDAQ: 25,888.84 +79.18

S&P 500: 7431.46 +37.16

SOFR Data 06/12: 30-DAY AVERAGE(%): 3.59301, 90-DAY AVERAGE(%): 3.63618, 180-DAY AVERAGE(%): 3.68014, INDEX: 1.24683727

Poland

Name, not sorted	Value, not sorted	Change, not sorted	% Change, not sorted	1 Month, not sorted	1 Year, not sorted	Time (EDT), not sorted
WIG20:IND WIG 20	3,713.88	61.86	1.69%	5.54	34.77%	11:15 AM
WIG:IND WSE WIG INDEX	138,732.25	3,133.70	2.31%	6.60	37.50%	11:15 AM
WIG30:IND WIG30	4,700.25	79.59	1.72%	5.41	31.71%	11:15 A

WALUTY

Currency, not sorted	Value, not sorted	Change, not sorted	Net Change, not sorted	Time (EDT), not sorted
EUR-USD	1.1567	0.00	0.09%	4:59 PM
USD-JPY	160.2200	0.29	0.18%	4:59 PM
GBP-USD	1.3407	0.00	0.07%	4:59 PM
AUD-USD	0.7046	0.00	0.04%	4:59 PM
USD-CAD	1.3989	0.00	0.15%	4:59 PM
USD-CHF	0.7971	0.00	0.28%	4:59 PM

USD-MXN

17.2280

0.02

0.12%

4:56 PM

USD-CZK	20.8705	0.00	0.02%	4:59 PM
USD-SKK	26.0422	0.02	0.09%	4:59 PM
USD-PLN	3.6697	0.00	0.01%	4:59 PM
USD-HUF	304.2000	0.97	0.32%	4:59 PM
USD-RUB	72.3770	0.40	0.56%	4:00 PM

POŻYCZKI HIPOTECZNE

ELITE 21-30 YEAR				ELITE 16-20 YEAR
RATE	15 DAY	30 DAY	45 DAY	RATE	15 DAY	30 DAY	45 DAY
7.625	-3.878	-3.788	-3.658	7.625	-3.968	-3.878	-3.748
7.500	-3.488	-3.398	-3.268	7.500	-3.376	-3.286	-3.156
7.375	-2.973	-2.883	-2.753	7.375	-2.911	-2.821	-2.691
7.250	-2.423	-2.333	-2.203	7.250	-2.366	-2.276	-2.146
7.125	-2.497	-2.407	-2.277	7.125	-2.571	-2.481	-2.351
6.999	-2.183	-2.093	-1.963	6.999	-2.228	-2.138	-2.008
6.875	-1.652	-1.562	-1.432	6.875	-1.719	-1.629	-1.499
6.750	-1.039	-0.949	-0.819	6.750	-1.156	-1.066	-0.936
6.625	-1.289	-1.199	-1.069	6.625	-1.273	-1.183	-1.053
6.500	-0.898	-0.808	-0.678	6.500	-0.880	-0.790	-0.660
6.375	-0.258	-0.168	-0.038	6.375	-0.354	-0.264	-0.134
6.250	0.437	0.527	0.657	6.250	0.233	0.323	0.453
6.125	0.349	0.439	0.569	6.125	0.339	0.429	0.559
5.999	0.836	0.926	1.056	5.999	0.792	0.882	1.012
5.875	1.612	1.702	1.832	5.875	1.360	1.450	1.580
5.750	2.421	2.511	2.641	5.750	1.982	2.072	2.202
5.625	2.484	2.574	2.704	5.625	2.447	2.537	2.667
5.500	3.046	3.136	3.266	5.500	2.977	3.067	3.197
5.375	3.887	3.977	4.107	5.375	3.589	3.679	3.809

ELITE 11-15 YEAR				ELITE 8-10 YEAR
RATE	15 DAY	30 DAY	45 DAY	RATE	15 DAY	30 DAY	45 DAY
7.125	-3.302	-3.212	-3.082	7.125	-3.222	-3.132	-3.002
7.000	-3.112	-3.022	-2.892	7.000	-3.079	-2.989	-2.859
6.875	-2.857	-2.767	-2.637	6.875	-2.877	-2.787	-2.657
6.750	-2.360	-2.270	-2.140	6.750	-2.380	-2.290	-2.160
6.625	-2.159	-2.069	-1.939	6.625	-2.122	-2.032	-1.902
6.500	-1.919	-1.829	-1.699	6.500	-1.946	-1.856	-1.726
6.375	-1.636	-1.546	-1.416	6.375	-1.727	-1.637	-1.507
6.250	-1.128	-1.038	-0.908	6.250	-1.219	-1.129	-0.999
6.125	-1.142	-1.052	-0.922	6.125	-1.301	-1.211	-1.081
6.000	-0.875	-0.785	-0.655	6.000	-1.106	-1.016	-0.886
5.875	-0.549	-0.459	-0.329	5.875	-0.851	-0.761	-0.631
5.750	-0.020	0.070	0.200	5.750	-0.322	-0.232	-0.102
5.625	0.305	0.395	0.525	5.625	-0.049	0.041	0.171
5.500	0.619	0.709	0.839	5.500	0.187	0.277	0.407
5.375	0.987	1.077	1.207	5.375	0.474	0.564	0.694
5.250	1.549	1.639	1.769	5.250	1.036	1.126	1.256
5.125	1.965	2.055	2.185	5.125	1.582	1.672	1.802
5.000	2.334	2.424	2.554	5.000	1.862	1.952	2.082
4.875	2.727	2.817	2.947	4.875	2.167	2.257	2.387

S&P 500 stocks with the most upside potential (45% OR MORE)
Company (Ticker)	Price target	Upside to price target	Consensus rating score	Consensus rating
Charter Communications (CHTR)	$243.69	80%	2.90	Hold
Intuit (INTU)	$491.30	67%	1.59	Buy
Trimble (TRMB)	$85.33	61%	1.31	Strong Buy
Boston Scientific (BSX)	$78.17	60%	1.48	Strong Buy
DoorDash (DASH)	$245.99	58%	1.61	Buy
Vistra (VST)	$225.29	54%	1.37	Strong Buy
Tractor Supply (TSCO)	$46.04	54%	2.00	Buy
NRG Energy (NRG)	$199.47	53%	1.59	Buy
Insulet (PODD)	$243.78	53%	1.42	Strong Buy
Zoetis (ZTS)	$124.59	52%	2.05	Buy
Jack Henry & Associates (JKHY)	$189.21	49%	1.63	Buy
Uber Technologies (UBER)	$104.43	48%	1.45	Strong Buy
Leidos Holdings (LDOS)	$183.27	48%	2.24	Buy
Global Payments (GPN)	$94.62	48%	2.36	Buy
Veeva Systems (VEEV)	$248.29	48%	1.90	Buy
Coinbase Global (COIN)	$229.74	48%	2.00	Buy
Universal Health Services (UHS)	$215.76	47%	2.35	Buy
Fidelity National Information Services (FIS)	$58.76	47%	1.96	Buy
Expand Energy (EXE)	$130.04	46%	1.58	Buy
Constellation Energy (CEG)	$368.43	46%	1.48	Strong Buy
Axon Enterprise (AXON)	$662.04	46%	1.60	Buy
Salesforce (CRM)	$254.99	45%	1.65	Buy
T-Mobile US (TMUS)	$260.81	45%	1.61	Buy
Newmont (NEM)	$141.93	45%	1.64	Buy
CoStar Group (CSGP)	$48.85	45%	1.76	Buy

OPROCENTOWANIA I OBLIGACJE

30 Yr. Fixed

6.58% -0.02%

5.99%

6.91%

15 Yr. Fixed

6.14% -0.01%

5.55%

6.25%

30 Yr. Jumbo

6.84% +0.00%

6.1%

6.97%

Compare Mortgage Rates from Local Lenders for Jun 12, 2026

Mortgage Rates Near Lowest Levels in Weeks

Fri, Jun 12, 2026 2:51PM

Some national headlines are pointing out that mortgage rates are higher this week. Those are based on weekly survey data which can often be stale compared to daily rate movement. Actual average rates are now in line with last Thursday’s levels of 6.58% for top tier 30yr fixed scenarios. That’s just 0.02% higher than May 29th levels. You’d have to go back another 2 weeks to May 14th to see anything lower. What’s the catch? It’s pretty simple. While we may be near the low end of the 4 week range, that range lies at the highs of 10 month range. It’s also reasonably narrow, running from 6.58 to 6… (read more)

Mortgage News Daily	Rate	Change	Points
30 Yr. Fixed	6.58%	-0.02	0.00
15 Yr. Fixed	6.14%	-0.01	0.00
30 Yr. FHA	6.14%	+0.02	0.00
30 Yr. Jumbo	6.84%	0.00	0.00
7/6 SOFR ARM	6.27%	+0.02	0.00
30 Yr. VA	6.16%	+0.02	0.00
Updates Daily – Last Update: 6/12

Freddie Mac	Rate	Change	Points
30 Yr. Fixed	6.52%	+0.04	0.00
15 Yr. Fixed	5.84%	+0.05	0.00
Updates Weekly – Last Update: 6/11

Mortgage Bankers Assoc.
30 Yr. Fixed	6.60%	+0.03	0.63
15 Yr. Fixed	5.99%	+0.06	0.68
30 Yr. Jumbo	6.66%	0.00	0.54
Updates Weekly – Last Update: 6/10

UMBS 30YR 5.0

98.09 -0.03

96.76

100.50

UMBS 30YR 5.5

100.18 -0.04

98.96

101.64

10 YR Treasury

4.479 +0.010

3.948

4.668

To Whammie or Not to Whammie, That is Our Friday (And Weekend)

Fri, Jun 12, 2026 9:34AM

Bonds were sideways at first in the overnight session. Then they improved moderately after newswires from Iran’s Mehr news agency detailing some specifics of the peace deal, including the U.S. withdrawing forces from the area. Bonds then began selling as various push-back headlines popped up. Deal not completely confirmed. No location determined. Deal s… (read more)

MBS	Price	Change
UMBS 4.5	95.69	-0.13
UMBS 5.0	98.09	-0.03
UMBS 5.5	100.18	-0.04
GNMA 4.5	95.80	-0.04
GNMA 5.0	98.55	-0.14
GNMA 5.5	100.59	+0.06
Pricing as of: 6/12 3:16PM EST

US Treasury	Yield	Change
2 YR Treasury	4.079	+0.016
5 YR Treasury	4.204	+0.017
7 YR Treasury	4.334	+0.019
10 YR Treasury	4.479	+0.010
30 YR Treasury	4.969	+0.011
Pricing as of: 6/12 3:16PM EST