October 24, 2025 (mid-session, PDT)
Market Overview (from markets snapshot)
- Currencies: Euro little changed (EUR/USD 1.1623, +0.04%).
- Bonds: Bear-steepening — short T-bill eased while 5Y/10Y/30Y yields inched up.
- Commodities: Gold $4,142.70 (−0.07%) slightly lower; 10-Yr T-Note futures −0.03%.
- Global indexes: Broadly green — S&P 500 +0.95%, NASDAQ +1.20%, Dow +1.20%; FTSE 100 +0.70%; Nikkei 225 +1.35%.
Sentiment: Risk-on / constructive — stocks broadly higher, credit steady, USD flat.
Major Indexes
| Index |
Last |
Change |
% Change |
Day Range |
| S&P 500 (^GSPC) |
6,802.33 |
+63.89 |
+0.95% |
6,772.07 – 6,806.26 |
| Dow Jones Industrial (^DJI) |
47,296.97 |
+562.36 |
+1.20% |
46,811.50 – 47,326.73 |
| NASDAQ Composite (^IXIC) |
23,217.24 |
+275.44 |
+1.20% |
23,127.96 – 23,240.38 |
| FTSE 100 (^FTSE) |
9,645.62 |
+67.05 |
+0.70% |
9,560.52 – 9,645.62 |
| Nikkei 225 (^N225) |
49,299.65 |
+658.04 |
+1.35% |
48,965.78 – 49,435.31 |
| DAX (^GDAXI) |
24,243.97 |
+36.18 |
+0.15% |
24,145.26 – 24,275.99 |
| CAC 40 (^FCHI) |
8,225.63 |
−0.15 |
−0.00% |
8,169.23 – 8,263.91 |
| Hang Seng (^HSI) |
26,160.15 |
+192.17 |
+0.74% |
26,063.99 – 26,239.96 |
U.S. Treasuries (yields from file)
| Symbol |
Name |
Yield |
Δ (%) |
Day Range |
| ^IRX |
13-Week |
3.768% |
−0.53% |
3.743 – 3.783 |
| ^FVX |
5-Year |
3.602% |
+0.14% |
3.560 – 3.646 |
| ^TNX |
10-Year |
3.999% |
+0.20% |
3.964 – 4.016 |
| ^TYX |
30-Year |
4.588% |
+0.33% |
4.554 – 4.619 |
Read: A mild bear-steepen — front-end eased while the long end firmed.
Currencies
| Pair |
Last |
Change |
% Change |
Day Range |
| EUR/USD |
1.1623 |
+0.0005 |
+0.04% |
1.1601 – 1.1650 |
Commodities
| Asset |
Last |
Change |
% Change |
Day Range |
| Gold (GCUSD) |
4,142.70 |
−2.90 |
−0.07% |
4,056.10 – 4,159.00 |
| 10-Yr T-Note Futures (ZNUSD) |
113.45 |
−0.03 |
−0.03% |
113.30 – 113.75 |
Crypto
| Asset |
Last |
Change |
% Change |
Day Range |
| Bitcoin (BTCUSD) |
110,120.05 |
+4.99 |
+0.00% |
109,917.84 – 111,602.88 |
Mortgage Rates — Mortgage News Daily (today’s crawl)
| Product |
Current |
1-Day |
1-Week |
1-Month |
1-Year |
52-wk Low |
52-wk High |
| 30-Yr Fixed |
6.18% |
+0.01% |
−0.05% |
−0.19% |
−0.74% |
6.13% |
7.26% |
| 15-Yr Fixed |
5.74% |
+0.01% |
−0.06% |
−0.16% |
−0.64% |
5.60% |
6.59% |
| 30-Yr FHA |
5.91% |
+0.01% |
−0.07% |
−0.15% |
−0.47% |
5.90% |
6.62% |
| 30-Yr Jumbo |
6.10% |
+0.00% |
−0.10% |
−0.16% |
−0.90% |
6.10% |
7.45% |
| 7/6 SOFR ARM |
5.82% |
+0.11% |
+0.11% |
+0.02% |
−0.96% |
5.59% |
7.25% |
| 30-Yr VA |
5.93% |
+0.02% |
−0.06% |
−0.14% |
−0.47% |
5.91% |
6.64% |
Read: Stable-to-slightly lower vs last week (ARM exception). The 30-Yr Fixed at 6.18% hovers near 2025 lows.
Latest News — quick reads to contextualize today’s moves
- “Wall Street hits record high as cool inflation data boosts rate cut bets” — Positive
- “Stocks climb, US benchmark Treasury yields briefly fall after US inflation data” — Neutral
- “Services PMI beats expectations, indicating a stronger US service sector” — Positive
- “Manufacturing PMI edges higher, beats expectations, boosting USD” — Positive
- “Michigan Consumer Sentiment drops below forecast, signaling potential headwinds for USD” — Negative
- “US launches Section 301 investigation into China…” — Negative (trade-risk headline)
Carlo’s Take (EverHint)
- Equities: Clear risk-on tone with U.S. majors and Europe higher; breadth looks healthy.
- Rates: A bear-steepening bias (long yields up a touch) fits a “soft-landing” tape with firmer PMIs.
- FX: EUR/USD flat — dollar mixed as data sends cross-currents.
- Commodities: Gold slightly softer as stocks rally; watch energy headlines for any inflation spill-over.
- Housing: Mortgage rates remain near cycle lows for 2025 — a quiet positive for affordability.
Independent research. No hype, no pumps, no paid promotions — only the data you crawled today.
