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

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

2 January New Year's Day 6 ISM Non Manufacturing 7 8 ADP Martin Luther King Jr. Day 15 Beige Book Empire Manufacturing Survey Weekly Jobless Claims FOMC Statement 0 1 Cost Index Discover and Research Wholesale and Correspondent Mortgage Lenders and Loan Programs with One of the Industry's Largest Free Database. The fastest way to find Wholesale and Correspondent Mortgage Lenders and loan programs.

3 February ADP ISM Non Manufacturing Productivity 1 Presidents' Day Empire Manufacturing Survey Discover and Research Wholesale, Correspondent, and Mini-Corr Mortgage Lenders and Loan Programs with one of the industry's Largest Free Database.

4 March Beige Book ADP ISM Non Manufacturing Empire Manufacturing Survey FOMC Statement Current Account 6 Productivity Discover and Research Wholesale, Correspondent, and Mini Corr Lenders and their loan programs with one of the industry's largest free database.

5 April 1 1 ADP ISM Non Manufacturing Empire Manufacturing Survey Beige Book Bond Market closes early Good Friday & Statement ADP, Chicago PMI, Cost Index Spring is Construction and Rehab season. Find and research Construction and Rehab Lenders and their loan programs with the Mortgage Elements Database.

6 May 1 1 1, Personal Income, ISM Manufacturing Index, 5 ISM Non Manufacturing Index 6 7 Productivity Import -Export Prices ,,,,, Empire State Survey Bond Markets Close Early Memorial Day Personal Income Spring is Construction and Rehab season. Find and research Construction and Rehab Lenders and their loan programs with the database at

7 June 9 10 Empire Manufacturing 4 Productivity, Beige Book, ADP, ISM Non Manufacturing, 11 FOMC Statement Current Account 5 1 Import Price Index Spring is Construction and Rehab season. Find and research Construction and Rehab Wholesale and Correspondent Lenders with the Mortgage Elements Database

8 July ADP 9, ISM Non Manufacturing Index, Weekly Jobless Claims International Trade, 10 4 Independence Day Empire Manufacturing Import -Export Prices 1 Beige Book , FOMC Statement ADP 1 Costs Discover and Research Wholesale, Correspondent, and Mini Corr Lenders and their loan programs with one of the industry's largest free database.

9 August , Consumer Sentiment,,, 4 5 ISM Non Manufacturing Index Productivity , Empire State Survey 9 Discover and Research Wholesale, Correspondent, and Mini Corr Lenders and their loan programs with one of the mortgage industry's largest free database.

10 September 1 Labor Day 8 15 Empire State Survey 9 Beige Book 4 Productivity, Weekly Jobless Claims, ADP, ISM Non Manufacturing, & Statement Current Account The Fastest and Easiest way to find and research Wholesale, Correspondent, and Mini-Corr Mortgage Lenders and Loan Programs.

11 October ADP ISM Non Manufacturing Index 10 1 Columbus Day Bond Beige Book, Empire State Survey FOMC Statement 0 1 Cost Index The Fastest and Easiest way to find and research Wholesale, Correspondent, and Mini-Corr Mortgage Lenders and Loan Programs.

12 November 4 5 ADP Index ISM Non Manufacturing 6 Productivity Veteran's Day Bond Empire State Survey , Durable Goods, Personal Income,, Consumer Sentiment, Jobless Claims 1 0, 7 Thanksgiving Day 1 8 Markets Close Early The Fastest and Easiest way to find and research Wholesale, Correspondent, and Mini-Corr Mortgage Lenders and Loan Programs.

13 December Empire Manufacturing Productivity Beige Book ISM Non Manufacturing ADP 10 & Statement Current Account 4 11 Import Price Index Markets Close Early 1 Bond Markets Close Early 5 Christmas Day The Fastest and Easiest way to find and research Wholesale, Correspondent, and Mini-Corr Mortgage Lenders.

14 Economic Indicator Description / Definition ADP Beige Book - Consumer Price Index Current Account Empire State Survey Cost Index FOMC Statement A national jobs report that derives its statistics from the actual monthly payrolls of employers in the non-farm private sector. Prepared by the Federal Reserve, it is a survey of economic conditions in each of the Fed s regions. This report includes inventory levels and statistics from various stages of the manufacturing process 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 precursor to the other ISM Reports. The Measures the change in the cost of a basket of goods and services (about 00) in each month. This is one of the biggest and most closely watched indicator along with the. Measures how confident consumers feel about their individual spending plans and the economy in general. Published monthly by the University of Michigan the index is based on over 500 phone interviews with 50 questions asked. Is a monthly estimate of the total dollar value of all construction work in the country. Released monthly by he Federal Reserve Board it estimates changes in the amount of outstanding credit to individuals to purchase consumer goods. It contains revolving and non revolving credit like cars loans but not mortgages and equity lines. 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). Report measures how much spending is occurring on goods expected to last over three years like appliances and cars. 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. Prepared by the Federal Reserve Bank of New York, this survey summarizes general business conditions of manufacturers in New York state. Also called the Jobs Report, the Current 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 and, This is a very closely watched indicator. This index measures the general cost of labor which includes wages, benefits, and bonuses. Reports the number of existing homes that were CLOSED during the month both nationally and regionally. Indicates the activity of the country's manufacturing sector and includes new orders, unfilled orders, shipments, and inventories. The Federal Open Market Committee meets every 6 weeks is to set monetary policy. Issued by the Fed after the FOMC meetings summarizing topics discussed, economic outlook, and policy decisions. Copyright Mortgage Elements Inc, All rights reserved

15 Economic Indicator Description / Definition Gross Domestic Product The is an all encompassing measure of the economy that includes the value of all goods and services produced in the entire country. This report includes housing starts, building permits, and housing completions with data obtained from surveys of homebuilders. The U.S. Import and Export Price Indexes measure average changes in prices of goods and services that are imported or exported. 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. ISM Non Manufacturing Producer Price Index Productivity S&P/ Measures volume of goods produced by all industrial firms including factories, mines, and utilities. Measures the trade deficit - value of exports minus the value of imports. 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. Same as the above index but for the service sector which encompasses a larger portion of real. Job Openings and Labor Turnover Survey includes employment, job openings, hires, quits, layoffs and discharges, and other separations. Also called The Leading Economic Index, it is a leading economic indicator use to forecast future economic activity. Calculated by The Conference Board, it determines the index from the values of ten key variables. Report on the number of newly constructed homes sold in the previous month. Published by the National Federation of Independent Business, the Small Business Optimism Index is an indicator of health of small businesses by surveying its members on their plans and activities. Personal Income and Outlays report provide data on consumer behavior and total economic consumption. Published by the Philadelphia Federal Reserve, this survey summarizes economic activity in its district. Measure 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, this indicator is very closely watched as a precursor to the. The report measures how much output is created by a unit of labor. Measures goods sold by retailers. This is fairly closely watched as it indicates general spending attitudes of Consumers. This Home Price Index (HPI) uses a three-month moving average to calculate its numbers giving it a two month lag. Treasury International Capital shows the flows of money across US boarders for sales of ALL securities and financial instruments. 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. Reports the number of light vehicle cars and light trucks sold. Copyright Mortgage Elements Inc, All rights reserved