• Leveling The Playing Field

Interest Rates

Treasurys Swaps - Monthly Money ? Libor
Term Last Change Term Last Change Term Last Change
2 year 0.645% -0.13 2 year 0.257% -0.08 1 month 0.453% 0.00
3 year 0.744% 0.10 3 year 0.682% 0.08 3 month 0.640% 0.00
5 year 1.082% -0.18 5 year 0.877% -0.12 Fed Funds 0.500% 0.00
7 year 1.343% 0.10 7 year 1.087% 0.06
10 year 1.565% -0.18 10 year 1.302% -0.13

Caps - Percentage of Notional

Term1.00%2.00%3.00%4.00%
1 year0.020%0.001%0.001%0.001%
2 year0.200%0.030%0.005%0.001%
3 year0.640%0.170%0.050%0.020%
4 year1.330%0.480%0.190%0.085%
5 year2.250%0.960%0.430%0.210%

Markets

Commodities FX Government Bonds
Futures Last Change Currency Last Change Bond Last Change
Brent Crude 48.40 0.79 USD/CAD 1.279 0.000 German 10-Year Bund 0.019% -0.01
WTI Crude 47.57 0.78 USD/JPY 105.102 0.601 Japan 10-Year Gov't Bond -0.170% -0.01
Natural Gas 2.70 0.03 EUR/USD 1.135 0.008 Canada 10-year Gov't Bond 1.300% 0.07
Gold 1,316.10 59.30 GBP/USD 1.482 0.015
Silver 17.77 0.48
Copper 2.11 0.05

Economic Data

Time (ET)ReportForecastPrevious
Wednesday, June 22
7:00 AMMBA Mortgage Applications---2.40%
10:00 AMExisting Home Sales5.54M5.45M
Thursday, June 23
8:30 AMInitial Jobless Claims270K277K
8:30 AMContinuing Claims2144K2157K
10:00 AMNew Home Sales560K619K
10:00 AMLeading Index0.10%0.60%
11:00 AMKansas City Fed Manf. Activity-8-5
Friday, June 24
8:30 AMDurable Goods Orders-0.50%3.40%
10:00 AMU. of Mich. Sentiment94.194.3

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Client Testimonials

  • E022BB5A-480E-4635-A59C-4756BFBD2966

    “We were initially hesitant to engage Pensford as we were unsure of what value they could bring to the transaction, but now we are glad we did. Not only were the savings they provided several multiples of their fee, but they even battled a snowstorm to make sure we were able to lock and close on time. We really appreciate the effort they put in.”

    Biltmore Farms
  • MWest Holdings

    “We use Pensford as our strategic partner for interest rate risk management. They help us consider the benefits and risks associated with a variety of hedging strategies. Working together, we identify the appropriate hedging strategy and Pensford oversees the entire hedging process with the bank. Pensford’s involvement keeps the banks honest and provides transparency. This allows us to remain focused on other areas of the loan closing. Our first call when dealing with interest rates is to Pensford.”

    MWest Holdings
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