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

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

2 January New Year's Day Markets Closed Construction Spending ISM Manufacturing Index Vehicle Sales 6 ISM Non-Manufacturing Index 7 ADP 8 9 Martin Luther King Jr. Day Markets Closed 0 Import-Export Prices 6 7, Durable Goods Orders, Case Shiller HPI,, 8 FOMC Statements 9 Cost Index Discover and Research Wholesale, Correspondent, and Mini-Corr Mortgage Lenders and loan programs with one of the industry's largest free databases. The fastest way to find Wholesale and Correspondent Mortgage Lenders and loan programs. Copyright Mortgage Elements Inc, All rights reserved

3 February 6 Construction Spending ADP Vehicle Sales ISM Non-Manufacturing ISM Manufacturing Index 9 0 Presidents' Day Markets Closed Discover and Research Wholesale, Correspondent, and Mini-Corr Mortgage Lenders and loan programs with one of the industry's largest free databases. Copyright Mortgage Elements Inc, All rights reserved

4 March 6 Construction Spending Vehicle Sales ADP ISM Manufacturing Index ISM Non-Manufacturing 9 0 Empire Manufacturing Survey FOMC Statements Discover and Research Wholesale, Correspondent, and Mini-Corr Lenders and their loan programs with one of the industry's largest free databases. Copyright Mortgage Elements Inc, All rights reserved Current Account 6 0 Quadruple Witching 7 Corporate Profits

5 April 6 7 Vehicle Sales, ADP Construction Spending, ISM & PMI Manufacturing Index 8 9 Good Friday Markets Closed / Banks Open ISM Non-Manufacturing Index 0,, FOMC Statements Cost Index, KC Fed Survey Find Construction and Rehab Lenders at Copyright Mortgage Elements Inc, All rights reserved

6 May Vehicle Sales, Construction Spending, ISM & PMI Manufacturing Index, ISM Non-Manufacturing Index 6 ADP 7 8 Memorial Day Markets Closed 6 Case Shiller & FHFA HPI Bond Markets Close Early 9 Corporate Profits Spring is Construction and Rehab season. Find Construction and Rehab Lenders at Copyright Mortgage Elements Inc, All rights reserved

7 June Vehicle Sales Construction Spending ISM Manufacturing Index ADP ISM Non-Manufacturing 0 FOMC Statements Corporate Profits Spring is Construction and Rehab season. Find and research Construction and Rehab Wholesale and Correspondent Lenders at Copyright Mortgage Elements Inc, All rights reserved, Current Account Quadruple Witching 6

8 July 6 7 Vehicle Sales, ADP Construction Spending, ISM & PMI Manufacturing Index 8 9 Independence Day Observed Markets Closed / Banks open 0 Import -Export Prices FOMC Statements Cost Index Discover and Research Wholesale, Correspondent, and Mini-Corr Lenders and their loan programs with one of the industry's largest free databases. Copyright Mortgage Elements Inc, All rights reserved

9 August 6 7 Vehicle Sales, Construction ADP Spending,, ISM Manufacturing Index, ISM-Non Manufacturing Index 0 Case Shiller & FHFA HPI Discover and Research Wholesale, Correspondent, and Mini-Corr Lenders and their loan programs with one of the mortgage industry's largest free databases , Corporate Profits 8 Copyright Mortgage Elements Inc, All rights reserved

10 September 7 Labor Day Markets Closed Vehicle Sales Construction Spending ISM Manufacturing Index 8 ADP 9 ISM Non-Manufacturing & Statement,, Current Account,, ADP Report Quadruple Witching Corporate Profits The Fastest way to find and research Wholesale, Correspondent, and Mini-Corr Mortgage Lenders and loan programs. Copyright Mortgage Elements Inc, All rights reserved

11 October ISM Non-Manufacturing Index 6 7 Construction Spending, Vehicle Sales, ISM & PMI Manufacturing Index, 8 9 Columbus Day Markets Open Banks Closed FOMC Statements 9 Cost Index The Fastest way to find and research Wholesale, Correspondent, and Mini-Corr Mortgage Lenders and loan programs. Copyright Mortgage Elements Inc, All rights reserved

12 November 6 Construction Spending Vehicle Sales ADP Index ISM Manufacturing Index ISM Non-Manufacturing 9 0 Veteran's Day Markets open Banks Closed, Durable Goods Orders,,, KC Fed Survey, The Fastest way to find and research Wholesale, Correspondent, and Mini-Corr Mortgage Lenders and loan programs. Copyright Mortgage Elements Inc, All rights reserved 6 Thanksgiving Day Markets Closed 0 7 Markets Close Early

13 December 7 ISM Non-Manufacturing ADP Construction Spending Vehicle Sales ISM Manufacturing Index 8,, Corporate Profits FOMC Statements 0 Current Account Markets Close Early Quadruple Witching Christmas Day Markets Closed The Fastest and Easiest way to find and research Wholesale, Correspondent, and Mini-Corr Mortgage Lenders. Copyright Mortgage Elements Inc, All rights reserved

14 Economic Indicator Description / Definition ADP - Consumer Price Index Construction Spending Current Account ECB Announcement 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 a 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 indicators 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 00 phone interviews with 0 questions asked. A monthly estimate of the total dollar value of all construction work in the country. 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. 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). This 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 to set monetary policy. Issued by the Fed after the FOMC meetings summarizing topics discussed, economic outlook, and policy decisions. Copyright 0 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 Manufacturing Index ISM Non Manufacturing & Spending Producer Price Index S&P/Case Shiller HPI Vehicle Sales 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 00 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 used 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 the health of small businesses. It is calculated by surveying its members on their plans and activities. and Outlays report provides data on consumer behavior and total economic consumption. Published by the Philadelphia Federal Reserve, this survey summarizes economic activity in its district. 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, 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 borders 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 0 Mortgage Elements Inc, All rights reserved