Question 1

Can I access this calendar data through an API?

Accepted Answer

Yes, developers can access economic calendar data programmatically through our API.

Question 2

How do economic events affect mortgage rates?

Accepted Answer

Mortgage rates respond to economic data because lenders and investors watch for signs of inflation. When economic reports show strong growth or rising prices, rates tend to move higher. When reports show slower growth, rates often improve. You can use this calendar to see what data is coming and plan your rate lock timing.

Question 3

What is a 'high impact' event?

Accepted Answer

High impact events move mortgage rates more than other releases. The Federal Reserve's rate decisions, the monthly jobs report, and inflation data (CPI and PCE) are the big three. When you see these on the calendar, pay attention — your rate could change that day.

Question 4

What happens at an FOMC meeting?

Accepted Answer

The Federal Open Market Committee meets eight times per year to set the federal funds rate. While the fed funds rate and mortgage rates are different, the Fed's decisions shape how lenders price mortgages. The Fed also shares guidance about future rate moves, which can affect your rate before changes happen.

Question 5

What is CPI and why does it matter for mortgage rates?

Accepted Answer

CPI (Consumer Price Index) tracks the prices you pay for everyday goods and services. When CPI comes in higher than expected, mortgage rates often rise because lenders expect the Fed to tighten policy. Lower CPI readings can lead to better rates. CPI is released monthly and typically moves markets.

Question 6

What is the difference between CPI and PCE inflation?

Accepted Answer

CPI and PCE both measure inflation, but they count things differently. CPI tracks what urban consumers spend money on. PCE (Personal Consumption Expenditures) covers more types of spending and adjusts when people switch to cheaper alternatives. The Fed watches PCE more closely, but both reports move mortgage rates.

Question 7

How do I read the monthly jobs report?

Accepted Answer

The jobs report shows three numbers that matter for rates: how many jobs the economy added, the unemployment rate, and wage growth. Strong job gains and rising wages can push rates higher. Weaker numbers may help rates improve. The report comes out the first Friday of each month at 8:30 AM ET.

Question 8

Why do mortgage rates sometimes move before economic data is released?

Accepted Answer

Traders and lenders make predictions about upcoming data. When they expect strong numbers, rates may rise before the report. The actual release matters most when it surprises people — rates move based on whether data beats or misses expectations, not just whether the number looks good or bad.

Question 9

When should I lock my mortgage rate?

Accepted Answer

If you want to protect your rate from potential increases, consider locking before high-impact events. If you think data will come in weak and help rates, you might wait.

Question 10

How often is this calendar updated?

Accepted Answer

We update the calendar weekly with data from official sources including the Bureau of Labor Statistics, Federal Reserve, and Census Bureau. Release dates and times come directly from the agencies that publish the reports.

Date	Time (ET)	Event
Tue, Aug 4 8:30 AM	8:30 AM	Trade Balance Census Bureau Exports minus imports. Large deficits can affect currency and interest rates.
Tue, Aug 4 10:00 AM	10:00 AM	JOLTS Bureau of Labor Statistics Job openings and turnover data. High openings signal a tight labor market, which can be inflationary.
Wed, Aug 5 7:00 AM	7:00 AM	MBA Mortgage Applications Mortgage Bankers Association Weekly snapshot of mortgage demand. Shows how rate changes affect buyer and refinance activity.
Wed, Aug 5 8:15 AM	8:15 AM	ADP Employment ADP Research Institute Private payroll estimate released before official jobs report. Sets expectations for Friday's data.
Wed, Aug 5 2:00 PM	2:00 PM	Beige Book Federal Reserve Real-world economic reports from businesses. Informs Fed thinking before FOMC meetings.
Thu, Aug 6 8:30 AM	8:30 AM	Productivity and Costs Bureau of Labor Statistics
Thu, Aug 6 8:30 AM	8:30 AM	Initial Jobless Claims Department of Labor Weekly pulse on layoffs. Rising claims can signal economic weakness and potential rate cuts.
Fri, Aug 7 8:30 AM	8:30 AM	Employment SituationMarket Mover Bureau of Labor Statistics The monthly jobs report. Strong job growth may keep rates higher; weak growth could accelerate rate cuts.

Date	Time (ET)	Event
Wed, Aug 12 7:00 AM	7:00 AM	MBA Mortgage Applications Mortgage Bankers Association Weekly snapshot of mortgage demand. Shows how rate changes affect buyer and refinance activity.
Wed, Aug 12 8:30 AM	8:30 AM	Consumer Price IndexMarket Mover Bureau of Labor Statistics The most-watched inflation measure. High CPI keeps mortgage rates elevated; cooling inflation could lead to lower rates.
Wed, Aug 12 8:30 AM	8:30 AM	Real Earnings Bureau of Labor Statistics
Wed, Aug 12 10:00 AM	10:00 AM	Consumer Sentiment (Preliminary) University of Michigan Early read on consumer mood. Includes inflation expectations which Fed watches closely.
Thu, Aug 13 8:30 AM	8:30 AM	Producer Price Index Bureau of Labor Statistics Measures wholesale inflation. Often a leading indicator of consumer inflation trends.
Thu, Aug 13 8:30 AM	8:30 AM	Initial Jobless Claims Department of Labor Weekly pulse on layoffs. Rising claims can signal economic weakness and potential rate cuts.
Fri, Aug 14 8:30 AM	8:30 AM	Retail Sales Census Bureau Consumer spending health. Strong retail = strong economy = potentially higher rates.

Economic Calendar: Key Events for Mortgage Rates

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Dan Green

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