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Beige Book: Economy Growing at Slow to Moderate Pace
Beige Book: Economy Growing at Slow to Moderate Pace
Beige Book: Economy Growing at Slow to Moderate Pace
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December 1, 2011 (Chris Moore)

Economic activity was reported as increasing at a slow to moderate pace in all Federal Reserve Districts except St. Louis according to the latest edition of the Beige Book released by the Federal Reserve.

Most Districts reported an up-tick in retail sales with retailers generally more positive than they were at the beginning of October. Kansas City, Philadelphia, Cleveland, Minneapolis, and San Francisco reported gains in retail sales, while New York reported same-store sales were mostly on or ahead of plan. Dallas reported that retail growth sales had moderated, while Atlanta and St. Louis reported weaker sales.

Auto sales were reported as either gaining or holding steady in most Districts, with Chicago reporting a slowdown in the pace of sales in November.

Residential real estate activity improved since the last report, but varied across the Districts, with Philadelphia, Richmond, Minneapolis, Kansas City, and Dallas reporting improved activity while New York, Boston, Cleveland, and San Francisco reported flat activity at relatively low levels. Atlanta and St. Louis reported decreased sales.

Residential construction remained sluggish as single-family home construction remained at low levels while multi-family housing construction continued to be the bright spot in a dismal housing construction picture with the New York, Philadelphia, Cleveland, Chicago, and Minneapolis Districts reporting that construction of multi-family housing had improved.

Multi-family construction in St. Louis and Kansas City were at decreased levels while San Francisco’s activity was described as “anemic.”

Overall loan demand increased slightly since the last report with several districts reporting an increase in mortgage refinancing. New York, Philadelphia, Cleveland, and Kansas City reported increased loan demand while Chicago, St. Louis, Dallas, and San Francisco noted relatively unchanged loan demand. Atlanta reported loan demand was soft.

Credit standards and quality varied across the Districts with stable or improving loan quality reported in Philadelphia, Kansas City, Dallas, and San Francisco.

Tags: Federal Reserve, Beige Book, housing market, real estate markets, single family homes, multifamily market, construction activity

Source:
Federal Reserve

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With offers in hand you can now compare rates and costs and get the best possible deal. Comparison shopping made easy. You fill out one form and lenders compete for your business.
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HOW LOANRATENETWORK
LOAN CENTER WORKS
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LOANRATENETWORK
FAST & EASY. DATA ENCRYPTED
Applying to multiple lenders is fast and easy with our one simple questionnaire. Choose the product you’re looking for, take a few moments to answer a few questions and you’re on your way to saving.
NO OBLIGATION. NO HIDDEN FEES
Any of the services on our website are 100% free, there is no obligation to use our services or any hidden fees. We’re not loan brokers so we don’t charge broker fees like other websites.
NO SSN OR CREDIT CHECK
No SSN or credit check is necessary to use our services. We bring lenders to you so they can compete for your business and you save. That information only becomes necessary after you choose a lender.
Information You Can Use
Helpful Tools
Mortgage
Calculator
Estimate your monthly mortgage payment
Auto Loan
Calculator
Determine how much car you can afford before buying
Learn About
Mortgage Loans
Learn about the different types of home loans
15 Year vs 30 Year
Loan Comparison
Compare 15 year and 30 year mortgage loans
Todays Mortgage
Rates
See today's mortgage rates. Shop, compare and save.

December 1, 2011 (Chris Moore)

Economic activity was reported as increasing at a slow to moderate pace in all Federal Reserve Districts except St. Louis according to the latest edition of the Beige Book released by the Federal Reserve.

Most Districts reported an up-tick in retail sales with retailers generally more positive than they were at the beginning of October. Kansas City, Philadelphia, Cleveland, Minneapolis, and San Francisco reported gains in retail sales, while New York reported same-store sales were mostly on or ahead of plan. Dallas reported that retail growth sales had moderated, while Atlanta and St. Louis reported weaker sales.

Auto sales were reported as either gaining or holding steady in most Districts, with Chicago reporting a slowdown in the pace of sales in November.

Residential real estate activity improved since the last report, but varied across the Districts, with Philadelphia, Richmond, Minneapolis, Kansas City, and Dallas reporting improved activity while New York, Boston, Cleveland, and San Francisco reported flat activity at relatively low levels. Atlanta and St. Louis reported decreased sales.

Residential construction remained sluggish as single-family home construction remained at low levels while multi-family housing construction continued to be the bright spot in a dismal housing construction picture with the New York, Philadelphia, Cleveland, Chicago, and Minneapolis Districts reporting that construction of multi-family housing had improved.

Multi-family construction in St. Louis and Kansas City were at decreased levels while San Francisco’s activity was described as “anemic.”

Overall loan demand increased slightly since the last report with several districts reporting an increase in mortgage refinancing. New York, Philadelphia, Cleveland, and Kansas City reported increased loan demand while Chicago, St. Louis, Dallas, and San Francisco noted relatively unchanged loan demand. Atlanta reported loan demand was soft.

Credit standards and quality varied across the Districts with stable or improving loan quality reported in Philadelphia, Kansas City, Dallas, and San Francisco.

Tags: Federal Reserve, Beige Book, housing market, real estate markets, single family homes, multifamily market, construction activity

Source:
Federal Reserve

FILL OUT THE FORM
It all starts here. Select the loan product you want to apply for and complete the subsequent questionnaire.
WE VERIFY & TRANSMIT TO LENDERS
Once we receive your completed questionnaire we verify a couple vital pieces of information and direct your information to our network of lenders, all within minutes.
REVIEW YOUR OFFERS
With offers in hand you can now compare rates and costs and get the best possible deal. Comparison shopping made easy. You fill out one form and lenders compete for your business.
CHOOSE YOUR LENDER
Congratulations! With the great learning tools we provide for you at LoanRateNetwork and the offers you have received, you've found the right product and the best rate.
HOW LOANRATENETWORK
LOAN CENTER WORKS
ADVANTAGES OF USING
LOANRATENETWORK
FAST & EASY. DATA ENCRYPTED
Applying to multiple lenders is fast and easy with our one simple questionnaire. Choose the product you’re looking for, take a few moments to answer a few questions and you’re on your way to saving.
NO OBLIGATION. NO HIDDEN FEES
Any of the services on our website are 100% free, there is no obligation to use our services or any hidden fees. We’re not loan brokers so we don’t charge broker fees like other websites.
NO SSN OR CREDIT CHECK
No SSN or credit check is necessary to use our services. We bring lenders to you so they can compete for your business and you save. That information only becomes necessary after you choose a lender.
Information You Can Use
Helpful Tools

December 1, 2011 (Chris Moore)

Economic activity was reported as increasing at a slow to moderate pace in all Federal Reserve Districts except St. Louis according to the latest edition of the Beige Book released by the Federal Reserve.

Most Districts reported an up-tick in retail sales with retailers generally more positive than they were at the beginning of October. Kansas City, Philadelphia, Cleveland, Minneapolis, and San Francisco reported gains in retail sales, while New York reported same-store sales were mostly on or ahead of plan. Dallas reported that retail growth sales had moderated, while Atlanta and St. Louis reported weaker sales.

Auto sales were reported as either gaining or holding steady in most Districts, with Chicago reporting a slowdown in the pace of sales in November.

Residential real estate activity improved since the last report, but varied across the Districts, with Philadelphia, Richmond, Minneapolis, Kansas City, and Dallas reporting improved activity while New York, Boston, Cleveland, and San Francisco reported flat activity at relatively low levels. Atlanta and St. Louis reported decreased sales.

Residential construction remained sluggish as single-family home construction remained at low levels while multi-family housing construction continued to be the bright spot in a dismal housing construction picture with the New York, Philadelphia, Cleveland, Chicago, and Minneapolis Districts reporting that construction of multi-family housing had improved.

Multi-family construction in St. Louis and Kansas City were at decreased levels while San Francisco’s activity was described as “anemic.”

Overall loan demand increased slightly since the last report with several districts reporting an increase in mortgage refinancing. New York, Philadelphia, Cleveland, and Kansas City reported increased loan demand while Chicago, St. Louis, Dallas, and San Francisco noted relatively unchanged loan demand. Atlanta reported loan demand was soft.

Credit standards and quality varied across the Districts with stable or improving loan quality reported in Philadelphia, Kansas City, Dallas, and San Francisco.

Tags: Federal Reserve, Beige Book, housing market, real estate markets, single family homes, multifamily market, construction activity

Source:
Federal Reserve

HOW LOANRATENETWORK
LOAN CENTER WORKS
FILL OUT THE FORM
It all starts here. Select the loan product you want to apply for and complete the subsequent questionnaire.
WE VERIFY & TRANSMIT TO LENDERS
Once we receive your completed questionnaire we verify a couple vital pieces of information and direct your information to our network of lenders, all within minutes.
REVIEW YOUR OFFERS
With offers in hand you can now compare rates and costs and get the best possible deal. Comparison shopping made easy. You fill out one form and lenders compete for your business.
CHOOSE YOUR LENDER
Congratulations! With the great learning tools we provide for you at LoanRateNetwork and the offers you have received, you've found the right product and the best rate.
ADVANTAGES OF USING
LOANRATENETWORK
FAST & EASY. DATA ENCRYPTED
Applying to multiple lenders is fast and easy with our one simple questionnaire. Choose the product you’re looking for, take a few moments to answer a few questions and you’re on your way to saving.
NO OBLIGATION. NO HIDDEN FEES
Any of the services on our website are 100% free, there is no obligation to use our services or any hidden fees. We’re not loan brokers so we don’t charge broker fees like other websites.
NO SSN OR CREDIT
CHECK
No SSN or credit check is necessary to use our services. We bring lenders to you so they can compete for your business and you save. That information only becomes necessary after you choose a lender.
Information You Can Use

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