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
Wed, Jul 15 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, Jul 15 8:30 AM	8:30 AM	Producer Price Index Bureau of Labor Statistics Measures wholesale inflation. Often a leading indicator of consumer inflation trends.
Wed, Jul 15 2:00 PM	2:00 PM	Beige Book Federal Reserve Real-world economic reports from businesses. Informs Fed thinking before FOMC meetings.
Thu, Jul 16 8:30 AM	8:30 AM	Retail Sales Census Bureau Consumer spending health. Strong retail = strong economy = potentially higher rates.
Thu, Jul 16 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.
Thu, Jul 16 9:15 AM	9:15 AM	Industrial Production Federal Reserve Shows real economic activity from production side. Weakness here can signal broader slowdown.
Fri, Jul 17 8:30 AM	8:30 AM	Import/Export Prices Bureau of Labor Statistics Shows inflation pressure from international trade. Can signal future CPI trends.
Fri, Jul 17 8:30 AM	8:30 AM	Housing Starts Census Bureau New construction activity. More building can eventually ease supply constraints and price pressure.
Fri, Jul 17 10:00 AM	10:00 AM	Housing Market Index National Association of Home Builders Builder confidence reflects future construction activity. High confidence = more new homes coming.

Date	Time (ET)	Event
Mon, Jul 20 10:00 AM	10:00 AM	Leading Economic Index Conference Board Can signal recession or recovery ahead. Helps predict where the economy is headed.
Tue, Jul 21 10:00 AM	10:00 AM	Existing Home SalesMarket Mover National Association of Realtors The largest segment of home sales. Rising sales indicate strong demand; falling sales may signal affordability challenges.
Wed, Jul 22 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, Jul 22 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.
Thu, Jul 23 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, Jul 24 10:00 AM	10:00 AM	New Home SalesMarket Mover Census Bureau Demand for new construction. Rising sales signal a healthy market; falling sales may indicate affordability issues.
Sat, Jul 25 9:00 AM	9:00 AM	FHFA House Price Index Federal Housing Finance Agency Home prices for Fannie/Freddie loans. Important benchmark for conforming loan limits.

Economic Calendar: Key Events for Mortgage Rates

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Dan Green

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