EverHint — Markets, Indexes, Commodities, Currencies & Mortgage Rates - October 30, 2025 (mid-session, PDT)
October 30, 2025 (mid-session, PDT)
Market Overview
- Currencies: Dollar firmer — EUR/USD 1.15644 (−0.31%).
- Bonds: Bear-steepening — yields rose across the curve (10Y 4.091%, +0.81%; 30Y 4.645%, +0.98%).
- Commodities: Gold $4,014.70 (+0.35%) up; 10-Yr T-Note futures −0.18%.
- Global indexes: U.S. mixed (Dow +0.29%, S&P −0.43%, Nasdaq −0.96%); Europe softer (CAC, DAX lower); Japan little changed.
Sentiment: Cautious / risk-off tilt — higher yields and a weaker euro accompany mega-cap softness; defensive tone under the surface.
Major Indexes
| Index | Last | Change | % Change | Day Range |
|---|---|---|---|---|
| S&P 500 (^GSPC) | 6,861.13 | −29.46 | −0.43% | 6,820 – 6,909 |
| Dow Jones (^DJI) | 47,768.55 | +136.55 | +0.29% | 47,505 – 47,924 |
| NASDAQ Composite (^IXIC) | 23,727.62 | −230.86 | −0.96% | 23,307 – 24,067 |
| FTSE 100 (^FTSE) | 9,760.06 | +3.92 | +0.04% | 9,701 – 9,813 |
| Nikkei 225 (^N225) | 51,325.61 | +17.96 | +0.04% | 51,064 – 51,737 |
| DAX (^GDAXI) | 24,118.89 | −5.32 | −0.02% | 24,033 – 24,327 |
| CAC 40 (^FCHI) | 8,157.29 | −43.59 | −0.53% | 8,117 – 8,239 |
| Hang Seng (^HSI) | 26,282.69 | −63.45 | −0.24% | 26,130 – 26,602 |
U.S. Treasuries (yields)
| Symbol | Name | Yield | Δ (%) | Day Range |
|---|---|---|---|---|
| ^IRX | 13-Week | 3.760% | +0.80% | 3.755 – 3.788 |
| ^FVX | 5-Year | 3.720% | +0.62% | 3.699 – 3.749 |
| ^TNX | 10-Year | 4.091% | +0.81% | 4.048 – 4.104 |
| ^TYX | 30-Year | 4.645% | +0.98% | 4.600 – 4.663 |
Read: Clear bear-steepening — long end leading the move higher in yields.
Currencies
| Pair | Last | Change | % Change | Day Range |
|---|---|---|---|---|
| EUR/USD | 1.15644 | −0.00362 | −0.31% | 1.1547 – 1.1637 |
Commodities
| Asset | Last | Change | % Change | Day Range |
|---|---|---|---|---|
| Gold (GCUSD) | 4,014.70 | +14.00 | +0.35% | 3,998.00 – 4,038.10 |
| 10-Yr T-Note Futures (ZNUSD) | 112.70 | −0.20 | −0.18% | 112.50 – 112.92 |
Crypto
| Asset | Last | Change | % Change | Day Range |
|---|---|---|---|---|
| Bitcoin (BTCUSD) | 107,054.85 | −2,977.28 | −2.71% | 106,812.56 – 111,629.20 |
Mortgage Rates — Mortgage News Daily
| Product | Current | 1-Day | 1-Week | 1-Month | 1-Year | 52-wk Low | 52-wk High |
|---|---|---|---|---|---|---|---|
| 30-Yr Fixed | 6.27% | +0.14% | +0.10% | −0.11% | −0.76% | 6.13% | 7.26% |
| 15-Yr Fixed | 5.82% | +0.10% | +0.09% | −0.08% | −0.67% | 5.60% | 6.59% |
| 30-Yr FHA | 6.00% | +0.11% | +0.10% | −0.07% | −0.55% | 5.89% | 6.62% |
| 30-Yr Jumbo | 6.20% | +0.05% | +0.10% | −0.08% | −0.95% | 6.10% | 7.45% |
| 7/6 SOFR ARM | 5.90% | +0.04% | +0.19% | +0.06% | −1.00% | 5.59% | 7.25% |
| 30-Yr VA | 6.02% | +0.12% | +0.11% | −0.07% | −0.53% | 5.90% | 6.64% |
Read: Broad uptick day-over-day; most products are ~4–14 bps higher. Levels remain well below 2025’s highs.
Latest News — quick reads
(Headlines from today’s business, economic-indicator, and crypto wires)
- Goldman Sachs CEO warns of debt ‘reckoning’ — risk tone cautious.
- ECB holds rates as growth stabilizes — euro edges lower; rates-path uncertainty persists.
- Germany Q3 stagnates; French Q3 beats — mixed Eurozone signals.
- U.S. “what the latest Fed rate cut means for your mortgage” — consumer focus as rates wiggle.
- Bitcoin slips toward $108k — crypto risk appetite softens.
Vlad’s Take (EverHint)
- Equities: A rotation day — Dow holds up while growth/mega-caps lag; breadth not disastrous but risk appetite softer.
- Rates: Steeper curve and higher long yields keep a lid on valuations; watch 10Y near 4.10%.
- FX: USD strength lines up with higher real rates; EUR/USD under 1.16 is a mild headwind for cyclical risk.
- Commodities/Crypto: Gold’s small bid looks like duration/hedge demand; BTC weakness echoes broader de-risking.
- Housing: Today’s rate pop is modest but reverses some of last week’s relief; affordability still better than summer peaks.
Independent research. No hype, no pumps, no paid promotions — only the data you crawled today.