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2016

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January 2016

Monday Tuesday Wednesday Thursday Friday

1

New Year's Day Markets Closed

4 Construction Spending Consumer Spending ISM Manufacturing Index PMI Manufacturing Index

5 Vehicle Sales

6 FOMC Minutes, International Trade, Factory Orders, ADP Employment, PMI Service Index, ISM non-Mfg Index

7 Chain Store Sales Weekly Jobless Claims

8 Employment Wholesale Trade Consumer Credit

11 Fed Labor Market Conditions

12 JOLTS NFIB Small Biz Optimism

13 Beige Book Atlanta Fed Survey

14 Import-Export Prices Weekly Jobless Claims

15 PPI, Retail Sales Industrial Production, Empire State Survey, Consumer Sentiment, Biz Inventories

18 Martin Luther King Jr.

Birthday Markets Closed

19 TIC NAHB Housing Market Index

20 CPI Housing Starts

21 Philly Fed Survey Weekly Jobless Claims

22 Existing Home Sales

25 Dallas Fed Survey

26 FOMC Meeting S&P Case Shiller HPI, FHFA HPI, Consumer Confidence, Richmond Fed Survey

27 FOMC Statements New Home Sales

28 Pending Home Sales Durable Goods Orders Kansas City Fed Survey Weekly Jobless Claims

29 GDP Employment Cost Index Consumer Sentiment Chicago PMI, Farm Prices

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February 2016

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

2 Vehicle Sales

3 ADP Employment Report PMI Service Index ISM Non-Manufacturing Index

4 Factory Orders Productivity Chain Store Sales Weekly Jobless Claims

5 Employment Consumer Credit International Trade


9 JOLTS NFIB Small Biz Optimism Wholesale Trade

10

11 Weekly Jobless Claims

12 Retail Sales Consumer Sentiment Business Inventories Import-Export Prices

15 President's Day

Markets Closed

16 NAHB Housing Market Index TIC Empire State Survey

17 PPI, FOMC Minutes Housing Starts Industrial Production Atlanta Fed Survey


19 CPI

22

23 Existing Home Sales S&P Case Shiller HPI Consumer Confidence Richmond Fed Survey

24 New Home Sales

25 FHFA Home Price Index Durable Goods Orders Kansas City Fed Survey

26 GDP Consumer Sentiment Personal Income & Spending

29 Pending Home Sales Dallas Fed Survey Chicago PMI Farm Prices

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March 2016

Monday Tuesday Wednesday Thursday Friday 1

Construction Spending Vehicle Sales PMI Manufacturing Index ISM Manufacturing Index

2 Beige Book ADP Employment

3 Factory Orders, Productivity, Chain Store Sales, PMI Service Index, ISM Non-Mfg Index, Weekly Jobless Claims

4 Employment International Trade

7 Consumer Credit Fed Labor Market Conditions

8 NFIB Small Biz Optimism

9 Wholesale Trade


11 Import-Export Prices

14

15 PPI, FOMC Meeting, Retail Sales, NAHB Housing Market Index, TIC, Empire State Survey, Business Inventories

16 CPI, FOMC Statements Housing Starts Industrial Production

17 JOLTS Philly Fed Survey Current Account Weekly Jobless Claims

18 Quadruple Witching Consumer Sentiment Atlanta Fed Survey


22 FHFA House Price Index Richmond Fed Survey

23 New Home Sales

24 Durable Goods Orders Weekly Jobless Claims

25 GDP Corporate Profits

28 Pending Home Sales Personal Income & Spending Dallas Fed Survey

29 S&P Case Shiller HPI Consumer Confidence

30 ADP Employment

31 Kansas City Fed Survey Chicago PMI Weekly Jobless Claims

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April 2016


Employment Construction Spending Consumer Sentiment, ISM & PMI Mfg Index, Vehicle Sales

4 Factory Orders Fed Labor Market Conditions

5 JOLTS International Trade PMI Service Index ISM Non-Manufacturing Index

6 FOMC Minutes

7 Consumer Credit Chain Store Sales Weekly Jobless Claims

8 Wholesale Trade

11

12 Import-Export Prices NFIB Small Biz Optimism

13 PPI Beige Book, Retail Sales Business Inventories Atlanta Fed Survey

14 CPI Weekly Jobless Claims

15 TIC Industrial Production Consumer Sentiment Empire State Survey

18 NAHB Housing Market Index

19 Housing Starts


21 FHFA Home Price Index Philly Fed Survey Weekly Jobless Claims

22

25 New Home Sales Dallas Fed Survey

26 FOMC Meeting, S&P Case Shiller HPI, Richmond Fed Survey, Durable Goods, Consumer Confidence

27 FOMC Statements Pending Home Sales

28 GDP Kansas City Fed Survey Weekly Jobless Claims

29 Personal Income & Spending Employment Cost Index Consumer Sentiment Chicago PMI, Farm Prices

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May 2016

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

3 Vehicle Sales

4 Factory Orders, International Trade, ADP Employment, Productivity, ISM Non-Mfg Index, PMI Service Index


6 Employment Consumer Credit


10 JOLTS Wholesale Trade NFIB Small Biz Optimism

11


13 PPI Retail Sales Consumer Sentiment Business Inventories


17 CPI Housing Starts Industrial Production

18 FOMC Minutes Atlanta Fed Survey



23

24 New Home Sales Richmond Fed Survey

25 FHFA Home Price Index


27 GDP Consumer Sentiment Corporate Profits

30 Memorial Day

Markets Closed

31 S&P Case Shiller HPI, Personal Income & Spending, Consumer Confidence, Dallas Fed Survey, Chicago PMI


An Indispensable Tool for all Mortgage Professionals: Brokers, Bankers, Loan Officers, Processors, and Underwriters


June 2016


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


3 Employment Factory Orders, International Trade, PMI Service Index, ISM Non-Mfg Index


7 Consumer Credit Productivity

8 JOLTS

9 Wholesale Trade Weekly Jobless Claims

10 Consumer Sentiment

13

14 FOMC Meeting, Retail Sales, Business Inventories, Import-Export Prices, NFIB Small Biz Optimism

15 PPI, FOMC Statements Industrial Production TIC Empire State Survey

16 CPI NAHB Housing Market Index, Philly Fed Survey, Current Account, Weekly Jobless Cl i

17 Quadruple Witching Atlanta Fed Survey

20

21

22 Existing Home Sales FHFA Home Price Index

23 New Home Sales Weekly Jobless Claims

24 Durable Goods Order Consumer Sentiment


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

29 Pending Home Sales Personal Income & Spending Farm Prices

30 Chicago PMI Kansas City Fed Survey Weekly Jobless Claims

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July 2016


Construction Spending Vehicle Sales ISM Manufacturing Index PMI Manufacturing Index

4 4th of July Markets Closed

5 Factory Orders ISM Non-Manufacturing Index

6 FOMC Minutes ADP Employment International Trade PMI Service Index


8 Employment Consumer Credit


12 JOLTS Wholesale Trade NFIB Small Biz Optimism

13 Beige Book Import-Export Prices Atlanta Fed Survey

14 PPI Weekly Jobless Claims

15 CPI, Retail Sales, Industrial Production, Empire State Survey, Consumer Sentiment Business Inventories

18 NAHB Housing Market Index TIC

19 Housing Starts

20

21 Existing Home Sales FHFA Home Price Index Philly Fed Survey Weekly Jobless Claims

22


26 FOMC Meeting, New Home Sales, S&P Case Shiller HPI, Consumer Confidence, Richmond Fed Survey

27 FOMC Statements Pending Home Sales Durable Goods Orders

28 Kansas City Fed Survey Weekly Jobless Claims

29 GDP Employment Cost Index Consumer Sentiment Chicago PMI, Farm Prices

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August 2016

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

2 Vehicle Sales Personal Income & Spending

3 ADP Employment ISM Non-Manufacturing Index PMI Service Index

4 Factory Orders Chain Store Sales Weekly Jobless Claims

5 Employment Consumer Credit International Trade


9 Wholesale Trade Productivity NFIB Small Biz Optimism

10 JOLTS




16 CPI Housing Starts Industrial Production

17 FOMC Minutes Atlanta Fed Survey


19

22

23 New Home Sales Richmond Fed Survey

24 Existing Home Sales FHFA Home Price Index

25 Durable Goods Order Kansas City Fed Survey Weekly Jobless Claims

26 GDP Consumer Sentiment Corporate Profits

29 Personal Income & Spending Dallas Fed Survey

30 S&P Case Shiller HPI Consumer Confidence

31 Pending Home Sales ADP Employment Chicago PMI Farm Prices


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September 2016


Productivity, Construction Spending, Vehicle Sales, Chain Store Sales, PMI & ISM Mfg, Jobless Claims

2 Employment Factory Orders International Trade

5 Labor Day Markets Closed

6 Fed Labor Market Conditions PMI Service Index ISM Non-Manufacturing Index

7 Beige Book JOLTS

8 Consumer Credit Weekly Jobless Claims

9 Wholesale Trade

12


14 Import-Export Prices

15 PPI, Retail Sales, Industrial Production, Philly Fed Survey, Empire State Survey, Jobless Claims, Inventories

16 CPI Quadruple Witching TIC Consumer Sentiment

19 NAHB Housing Market Index

20 FOMC Meeting Housing Starts

21 FOMC Statements

22 Existing Home Sales FHFA Home Price Index Weekly Jobless Claims

23 Atlanta Fed Survey

26 New Home Sales Dallas Fed Survey

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

28 Durable Goods Orders

29 GDP, Pending Home Sales Kansas City Fed Survey, Corp Profits, Farm Prices, Weekly Jobless Claims

30 Personal Income & Spending Consumer Sentiment Chicago PMI

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at www.MortgageElements.com © 2016 Copyright Mortgage Elements Inc, All rights reserved

October 2016

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

4

5 Factory Orders, International Trade, ADP Employment, ISM Non-Mfg Index, PMI Service Index


7 Employment Consumer Credit Wholesale Trade

10 Columbus Day

Markets Open, Banks Closed

Fed Labor Market Conditions


12 FOMC Minutes JOLTS



17 Industrial Production Empire State Survey

18 CPI NAHB Housing Market Index TIC

19 Beige Book Housing Starts Atlanta Fed Survey

20 Existing Home Sales Philly Fed Survey Weekly Jobless Claims

21

24

25 S&P Case Shiller HPI FHFA Home Price Index Consumer Confidence Richmond Fed Survey

26 New Home Sales


28 GDP Employment Cost Index Consumer Sentiment

31 Personal Income & Spending Chicago PMI Dallas Fed Survey Farm Prices


An Indispensable Tool for all Mortgage Professionals: Brokers, Bankers, Loan Officers, Processors, and Underwriters


November 2016


FOMC Meeting Construction Spending Vehicle Sales, ISM & PMI Manufacturing Index

2 FOMC Statements ADP Employment

3 Productivity, Factory Orders, Chain Store Sales, PMI Service Index, ISM Non-Mfg Index, Weekly Jobless Claims

4 Employment International Trade

7 Fed Labor Market Conditions Consumer Credit

8 JOLTS NFIB Small Biz Optimism

9 Wholesale Trade


11 Veterans Day

Markets Open Banks Closed

14

15 Retail Sales Import-Export Prices Empire State Survey Business Inventories

16 PPI Industrial Production, TIC NAHB Housing Market Index, Atlanta Fed Survey

17 CPI Housing Starts Philly Fed Survey Weekly Jobless Claims

18

21

22 Existing Home Sales Richmond Fed Survey

23 FOMC Minutes, New Home Sales, Durable Goods Orders, FHFA Home Price Index, Consumer Sentiment

24 Thanksgiving Day

Markets Closed

25 NYSE Close Early


29 GDP S&P Case Shiller HPI Consumer Confidence Corporate Profits

30 Beige Book, Pending Home Sales, ADP Employment, Personal Income & Spending, Chicago PMI, Farm Prices

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December 2016


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

2 Employment

5 PMI Service Index ISM Non-Manufacturing Index Fed Labor Market Conditions

6 Factory Orders Productivity International Trade

7 JOLTS Consumer Credit


9 Consumer Sentiment Wholesale Trade

12

13 FOMC Meeting Import-Export Prices NFIB Small Biz Optimism

14 PPI, FOMC Statements Industrial Production Retail Sales Business Inventories

15 CPI, Current Account, NAHB Housing Index, Philly Fed Survey, Empire State Survey, Weekly Jobless Claims, TIC

16 Quadruple Witching Housing Starts Atlanta Fed Survey

19

20


22 GDP, Durable Goods Orders, Personal Income & Spending, FHFA HPI, Weekly Jobless Claims, Corporate Profits

23 NYSE Close Early New Home Sales Consumer Sentiment

26 Day After Christmas

Markets Closed

27 S&P Case Shiller HPI Consumer Confidence Richmond Fed Survey Dallas Fed Survey

28 Pending Home Sales

29 Weekly Jobless Claims Farm Prices

30 Chicago PMI

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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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discover new lending opportunities at employment . construction spending . consumer sentiment, ism...

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