2015 - mortgage elements · 2015 . discover new lending partners . with mortgage elements'...

2015

Discover New Lending Partners with Mortgage Elements' Free Database of Wholesale and Correspondent Mortgage Lenders

January 2015

Monday Tuesday Wednesday Thursday Friday

1

New Year's Day Markets Closed

2 Construction Spending PMI Manufacturing Index ISM Manufacturing Index

5 Vehicle Sales

6 ISM Non-Manufacturing Index Factory Orders

7 FOMC Minutes International Trade ADP Employment

8 Consumer Credit Weekly Jobless Claims

9 Employment Wholesale Trade

12

13 JOLTS Federal Budget NFIB Small Business

14 Retail Sales Beige Book Import-Export Prices Business Inventories

15 PPI Philly Fed Survey Empire State Survey Weekly Jobless Claims

16 CPI Industrial Production Consumer Sentiment TIC

19 Martin Luther King Jr.

Day Markets Closed

20 NAHB Survey

21 Housing Starts

22 FHFA House Price Index Weekly Jobless Claims

23 Leading Indicators Existing Home Sales

26 Dallas Fed Survey

27 FOMC Meeting, Durable Goods Orders, Case Shiller HPI, Consumer Confidence, Richmond Fed Survey

28 FOMC Meeting FOMC Statements

29 Pending Home Sales Kansas City Fed Survey Weekly Jobless Claims

30 GDP Employment Cost Index Chicago PMI Consumer Sentiment

Discover and Research Wholesale, Correspondent, and Mini-Corr

Mortgage Lenders and loan programs with one of the industry's largest free databases.

www.MortgageElements.com The fastest way to find Wholesale and

Correspondent Mortgage Lenders and loan programs.

© 2015 Copyright Mortgage Elements Inc, All rights reserved

February 2015

Monday Tuesday Wednesday Thursday Friday 2 Construction Spending Personal Income ISM Manufacturing Index PMI Manufacturing Index

3 Factory Orders Vehicle Sales

4 ADP Employment ISM Non-Manufacturing

5 Productivity International Trade Weekly Jobless Claims

6 Employment Consumer Credit

9

10 JOLTS NFIB Small Business Wholesale Trade

11 Federal Budget

12 Retail Sales Business Inventories Weekly Jobless Claims

13 Consumer Sentiment Import - Export Prices

16 Presidents' Day

Markets Closed

17 NAHB Survey TIC

18 PPI FOMC Minutes Housing Starts Industrial Production

19 Leading Indicators Philly Fed Survey Weekly Jobless Claims

20

23 Existing Home Sales Dallas Fed Survey

24 S&P Case Shiller HPI Consumer Confidence Richmond Fed Survey

25 New Home Sales

26 CPI FHFA House Price Index Durable Goods Orders Weekly Jobless Claims

27 GDP Pending Home Sales Chicago PMI Consumer Sentiment

Discover and Research Wholesale, Correspondent, and Mini-Corr Mortgage Lenders and loan programs with one of the industry's largest free databases.


March 2015

Monday Tuesday Wednesday Thursday Friday 2 Construction Spending Personal Income ISM Manufacturing Index PMI Manufacturing Index

3 Vehicle Sales

4 Beige Book ADP Employment ISM Non-Manufacturing

5 Productivity Factory Orders Weekly Jobless Claims

6 Employment Consumer Credit International Trade

9

10 JOLTS Wholesale Trade NFIB Small Business

11 Federal Budget

12 Retail Sales Business Inventories Import - Export Prices Weekly Jobless Claims

13 PPI Consumer Sentiment

16 NAHB Survey Industrial Production Empire Manufacturing Survey TIC

17 FOMC Meeting Housing Starts


19 Leading Indicators Philly Fed Survey Current Account Weekly Jobless Claims

20 Quadruple Witching

23 Existing Home Sales

24 CPI New Home Sales FHFA House Price Index Richmond Fed Survey

25 Durable Goods Orders

26 Kansas City Fed Survey Weekly Jobless Claims

27 GDP Consumer Sentiment Corporate Profits

30 Pending Home Sales Personal Income Dallas Fed Survey

31 S&P Case Shiller HPI Consumer Confidence Chicago PMI


Discover and Research Wholesale, Correspondent, and Mini-Corr Lenders and their loan

programs with one of the industry's largest free databases.

April 2015


1 Vehicle Sales, ADP Employment Construction Spending, ISM & PMI Manufacturing Index

2 International Trade Factory Orders Weekly Jobless Claims

3 Good Friday Markets Closed / Banks Open

Employment ISM Non-Manufacturing Index

6

7 JOLTS Consumer Credit

8 FOMC Minutes

9 Wholesale Trade Weekly Jobless Claims

10 Import - Export Prices Federal Budget

13

14 PPI Retail Sales Business Inventories NFIB Small Business

15 Industrial Production NAHB Survey Beige Book, TIC, Empire State Survey

16 Housing Starts Philly Fed Survey Weekly Jobless Claims

17 CPI Leading Indicators Consumer Sentiment

20

21

22 Existing Home Sales FHFA House Price Index

23 New Home Sales Weekly Jobless Claims



28 FOMC Meeting S&P Case Shiller HPI Consumer Confidence Richmond Fed Survey

29 GDP FOMC Meeting FOMC Statements Pending Home Sales

30 Personal Income Employment Cost Index Chicago PMI, KC Fed Survey Weekly Jobless Claims

Find Construction and Rehab Lenders at www.MortgageElements.com


May 2015


1 Vehicle Sales, Construction Spending, ISM & PMI Manufacturing Index, Consumer Sentiment

4 Factory Orders

5 International Trade ISM Non-Manufacturing Index

6 Productivity ADP Employment

7 Consumer Credit Weekly Jobless Claims

8 Employment Wholesale Trade

11

12 JOLTS NFIB Small Business Federal Budget

13 Retail Sales Business Inventories Import - Export Prices

14 PPI Weekly Jobless Claims

15 Industrial Production Consumer Sentiment TIC Empire State Survey

18 NAHB Survey

19 Housing Starts

20 FOMC Minutes

21 Leading Indicators Existing Home Sales Philly Fed Survey Weekly Jobless Claims

22 CPI Bond Markets Close Early

25 Memorial Day

Markets Closed

26 New Home Sales Durable Goods Orders Case Shiller & FHFA HPI Consumer Confidence

27

28 Pending Home Sales Kansas City Fed Survey Weekly Jobless Claims

29 GDP Chicago PMI Consumer Sentiment Corporate Profits

Spring is Construction and Rehab season. Find Construction and Rehab Lenders at

www.MortgageElements.com © 2015 Copyright Mortgage Elements Inc, All rights reserved

June 2015

Monday Tuesday Wednesday Thursday Friday 1 Personal Income Construction Spending ISM Manufacturing Index PMI Manufacturing Index

2 Factory Orders Vehicle Sales

3 Beige Book ADP Employment ISM Non-Manufacturing International Trade

4 Productivity Weekly Jobless Claims


8

9 JOLTS Wholesale Trade NFIB Small Business

10 Federal Budget


12 PPI Consumer Sentiment

15 Industrial Production NAHB Survey TIC Empire State Survey

16 FOMC Meeting Housing Starts


18 CPI, Leading Indicators Philly Fed Survey Current Account Weekly Jobless Claims



23 New Home Sales Durable Goods Orders FHFA House Price Index Richmond Fed Survey

24 GDP Corporate Profits

25 Personal Income Kansas City Fed Survey Weekly Jobless Claims

26 Consumer Sentiment

29 Pending Home Sales Dallas Fed Survey

30 S&P Case Shiller HPI Chicago PMI Consumer Confidence


Spring is Construction and Rehab season. Find and research Construction and Rehab Wholesale and Correspondent Lenders at

www.MortgageElements.com

July 2015


1 Vehicle Sales, ADP Employment Construction Spending, ISM & PMI Manufacturing Index

2 Employment Factory Orders Weekly Jobless Claims

3 Independence Day

Observed Markets Closed / Banks open

6

7 JOLTS International Trade Consumer Credit

8 FOMC Minutes

9 Weekly Jobless Claims

10 Wholesale Trade

13 Federal Budget

14 Retail Sales NFIB Small Business Business Inventories Import -Export Prices

15 PPI Beige Book Industrial Production Empire State Survey

16 NAHB Survey Philly Fed Survey TIC Weekly Jobless Claims

17 CPI Housing Starts Consumer Sentiment

20

21

22 Existing Home Sales FHFA House Price Index

23 Leading Indicators Weekly Jobless Claims

24 New Home Sales

27 Durable Goods Orders Dallas Fed Survey

28 FOMC Meeting S&P Case Shiller HPI Consumer Confidence Richmond Fed Survey

29 FOMC Meeting FOMC Statements Pending Home Sales

30 GDP Kansas City Fed Survey Weekly Jobless Claims

31 Employment Cost Index Consumer Sentiment Chicago PMI


Discover and Research Wholesale, Correspondent, and Mini-Corr Lenders and their loan

programs with one of the industry's largest free databases.

August 2015

Monday Tuesday Wednesday Thursday Friday 3 Vehicle Sales, Construction Spending, Personal Income, ISM Manufacturing Index, PMI Manufacturing Index

4 Factory Orders

5 ADP Employment International Trade ISM-Non Manufacturing Index

6 Weekly Jobless Claims


10

11 Productivity NFIB Small Business Wholesale Trade

12 JOLTS Federal Budget


14 PPI Industrial Production Consumer Sentiment

17 NAHB Survey TIC Empire State Survey

18 Housing Starts

19 CPI FOMC Minutes

20 Existing Home Sales Leading Indicators Philly Fed Survey Weekly Jobless Claims

21

24

25 New Home Sales Case Shiller & FHFA HPI Consumer Confidence Richmond Fed Survey


27 GDP, Pending Home Sales Corporate Profits Kansas City Fed Survey Weekly Jobless Claims

28 Personal Income Consumer Sentiment

31 Chicago PMI Dallas Fed Survey


Discover and Research Wholesale, Correspondent, and Mini-Corr Lenders and their loan programs with one of the mortgage

industry's largest free databases.

September 2015


1 Vehicle Sales Construction Spending ISM Manufacturing Index PMI Manufacturing Index

2 Productivity Beige Book Factory Orders ADP Employment

3 ISM Non-Manufacturing International Trade Weekly Jobless Claims

4 Employment

7 Labor Day Markets Closed

8 NFIB Small Business Consumer Credit

9 JOLTS

10 Wholesale Trade Import - Export Prices Weekly Jobless Claims

11 PPI Federal Budget Consumer Sentiment

14

15 Retail Sales Industrial Production Business Inventories Empire State Survey

16 CPI FOMC Meeting NAHB Survey TIC

17 FOMC Meeting & Statement, Housing Starts, Current Account, Philly Fed Survey, Weekly Jobless Claims

18 Leading Indicators Quadruple Witching


22 FHFA House Price Index Richmond Fed Survey

23

24 New Home Sales Durable Goods Orders Kansas City Fed Survey Weekly Jobless Claims

25 GDP Consumer Sentiment Corporate Profits

28 Pending Home Sales Personal Income Dallas Fed Survey

29 S&P Case Shiller HPI Consumer Confidence

30 ADP Employment Report Chicago PMI


The Fastest way to find and research Wholesale, Correspondent, and Mini-Corr

Mortgage Lenders and loan programs.

October 2015


1 Construction Spending, Vehicle Sales, ISM & PMI Manufacturing Index, Weekly Jobless Claims

2 Employment Factory Orders

5 ISM Non-Manufacturing Index

6 International Trade

7 Consumer Credit

8 FOMC Minutes Weekly Jobless Claims

9 Wholesale Trade Import - Export Prices

12 Columbus Day Markets Open Banks Closed

Federal Budget

13 NFIB Small Business

14 PPI Beige Book Retail Sales Business Inventories

15 CPI Philly Fed Survey Empire State Survey Weekly Jobless Claims

16 JOLTS Industrial Production TIC Consumer Sentiment

19 NAHB Survey

20 Housing Starts

21

22 Existing Home Sales Leading Indicators FHFA House Price Index Weekly Jobless Claims

23

26 New Home Sales Dallas Fed Survey

27 FOMC Meeting Durable Goods Orders S&P Case Shiller HPI Consumer Confidence


29 GDP Pending Home Sales Kansas City Fed Survey Weekly Jobless Claims

30 Personal Income Employment Cost Index Chicago PMI Consumer Sentiment

www.MortgageElements.com The Fastest way to find and research Wholesale, Correspondent,

and Mini-Corr Mortgage Lenders and loan programs. © 2015 Copyright Mortgage Elements Inc, All rights reserved

November 2015

Monday Tuesday Wednesday Thursday Friday 2 Construction Spending ISM Manufacturing Index PMI Manufacturing Index

3 Vehicle Sales Factory Orders

4 ADP Employment Index ISM Non-Manufacturing International Trade

5 Productivity Weekly Jobless Claims


9

10 NFIB Small Business Import - Export Prices Wholesale Trade

11 Veteran's Day

Markets open Banks Closed

12 JOLTS Federal Budget Weekly Jobless Claims

13 PPI Retail Sales Business Inventories Consumer Sentiment

16 Empire State Survey

17 CPI Industrial Production NAHB Survey TIC

18 Housing Starts FOMC Minutes

19 Leading Indicators Philly Fed Survey Weekly Jobless Claims

20


24 GDP S&P Case Shiller HPI Consumer Confidence Richmond Fed Survey

25 New Home Sales, Durable Goods Orders, Personal Income, Consumer Sentiment, KC Fed Survey, Weekly Jobless Claims

26 Thanksgiving Day

Markets Closed

27 Markets Close Early

30 Pending Home Sales Chicago PMI Dallas Fed Survey


www.MortgageElements.com The Fastest way to find and research Wholesale, Correspondent, and Mini-Corr Mortgage Lenders

and loan programs.

December 2015


1 Construction Spending Vehicle Sales ISM Manufacturing Index PMI Manufacturing Index

2 Productivity Beige Book ADP Employment

3 Factory Orders ISM Non-Manufacturing Weekly Jobless Claims

4 Employment International Trade

7 Consumer Credit

8 JOLTS NFIB Small Business

9 Wholesale Trade

10 Federal Budget Import - Export Prices Weekly Jobless Claims

11 PPI Retail Sales Consumer Sentiment Business Inventories

14

15 CPI, FOMC Meeting NAHB Survey TIC Empire State Survey

16 FOMC Meeting FOMC Statements Housing Starts Industrial Production

17 Leading Indicators Philly Fed Survey Current Account Weekly Jobless Claims


21

22 GDP, Existing Home Sales FHFA House Price Index Corporate Profits Richmond Fed Survey

23 New Home Sales Durable Goods Orders Personal Income Consumer Sentiment

24 Markets Close Early Weekly Jobless Claims

25 Christmas Day

Markets Closed


29 S&P Case Shiller HPI Consumer Confidence

30 Pending Home Sales

31 Chicago PMI Weekly Jobless Claims


www.MortgageElements.com The Fastest and Easiest way to find and research Wholesale,

Correspondent, and Mini-Corr Mortgage Lenders.

Economic Indicator Description / Definition

ADP Employment A national jobs report that derives its statistics from the actual monthly payrolls of employers in the non-farm private sector.

Beige Book Prepared by the Federal Reserve, it is a survey of economic conditions in each of the Fed’s regions.

Business Inventories This report includes inventory levels and statistics from various stages of the manufacturing process

Chicago PMI The Chicago Purchasing Managers Index is prepared monthly by ISM (Institute of Supply Management) and indicates regional manufacturing activity. It comes out before other ISM surveys and is closely watched as a precursor to the other ISM Reports.

CPI - Consumer Price Index The CPI Measures the change in the cost of a basket of goods and services (about 200) in each month. This is one of the biggest and most closely watched indicators along with the PPI.

Consumer Confidence Measures how confident consumers feel about their individual spending plans and the economy in general.

Consumer Sentiment Published monthly by the University of Michigan, the index is based on over 500 phone interviews with 50 questions asked.

Construction Spending A monthly estimate of the total dollar value of all construction work in the country.

Consumer Credit Released monthly by the Federal Reserve Board, it estimates the changes of outstanding credit to individuals for the purchase of consumer goods and services. It contains revolving and non revolving credit, like car loans but not mortgages and equity lines.

Current Account Measures the money flows and cash transfers into and out of the country. Consists of the Trade Balance (exports minus imports of goods and services) plus the net Capital Account (income from foreign investments - payments to foreign investors).

Durable Goods Orders This report measures how much spending is occurring on goods expected to last over three years, like appliances and cars.

ECB Announcement The European Central Bank (ECB) first meeting of the month typically covers monetary policy. After the meeting, they make an announcement that discloses the issues discussed and decisions made.

Empire State Survey Prepared by the Federal Reserve Bank of New York, this survey summarizes general business conditions of manufacturers in New York state.

Employment Also called the Jobs Report, the Current Employment Statistics report covers general employment conditions which includes the unemployment rate, number of new jobs created, average hours worked per week, Labor Force Participation Rates, and average hourly earnings. Like the CPI and PPI, This is a very closely watched indicator.

Employment Cost Index This index measures the general cost of labor which includes wages, benefits, and bonuses.

Existing Home Sales Reports the number of existing homes that were CLOSED during the month both nationally and regionally.

Factory Orders Indicates the activity of the country's manufacturing sector and includes new orders, unfilled orders, shipments, and inventories.

FOMC Meeting The Federal Open Market Committee meets every 6 weeks to set monetary policy.

FOMC Statement Issued by the Fed after the FOMC meetings summarizing topics discussed, economic outlook, and policy decisions.

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Economic Indicator Description / Definition

Gross Domestic Product The GDP is an all encompassing measure of the economy that includes the value of all goods and services produced in the entire country.

Housing Starts This report includes housing starts, building permits, and housing completions with data obtained from surveys of homebuilders.

Mortgage Elements Inc does not warrant or guarantee the accuracy or completeness of this calendar. The dates and times of the release of Economic information is subject to change without notice and controlled by the individual data provider.

Import - Export Prices The U.S. Import and Export Price Indexes measure average changes in prices of goodsand services that are imported or exported.

Industrial Production Measures volume of goods produced by all industrial firms including factories, mines, and utilities.

International Trade Measures the trade deficit - value of exports minus the value of imports.

ISM Manufacturing Index The Institute for Supply Management (a nonprofit group) publishes the Purchasing Managers Index by surveying over 400 purchasing managers form all over the country diversified and weighted by industry and geography.

ISM Non Manufacturing Same as the above index but for the service sector which encompasses a larger portion of real GDP.

JOLTS Job Openings and Labor Turnover Survey includes employment, job openings, hires, quits, layoffs and discharges, and other separations.

Leading Indicators Also called The Leading Economic Index, it is a leading economic indicator used to forecast future economic activity. Calculated by The Conference Board, it determines the index from the values of ten key variables.

New Home Sales Report on the number of newly constructed homes sold in the previous month.

NFIB Small Business Published by the National Federation of Independent Business, the Small Business Optimism Index is an indicator of the health of small businesses. It is calculated by surveying its members on their plans and activities.

Personal Income & Spending Personal Income and Outlays report provides data on consumer behavior and total economic consumption.

Philly Fed Survey Published by the Philadelphia Federal Reserve, this survey summarizes economic activity in its district.

PPI Producer Price Index Measures the change in the price of goods from producers and includes everything from raw materials to wholesale items sold to retailers. Since it is published before the CPI, this indicator is very closely watched as a precursor to the CPI.

Productivity The report measures how much output is created by a unit of labor.

Retail Sales Measures goods sold by retailers. This is fairly closely watched as it indicates general spending attitudes of Consumers.

S&P/Case Shiller HPI This Home Price Index (HPI) uses a three-month moving average to calculate its numbers giving it a two month lag.

TIC Treasury International Capital shows the flows of money across US borders for sales of ALL securities and financial instruments.

Weekly Jobless Claims This report shows the number of newly unemployed workers filing unemployment claims for the first time with their State Unemployment Bureaus. The data is seasonally adjusted and aggregated on a national basis.

Vehicle Sales Reports the number of light vehicle cars and light trucks sold.

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2015 - mortgage elements · 2015 . discover new lending partners . with mortgage elements'...

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