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Consumer Housing Outlook Improves; Rates Slightly Lower; Strong Refi Demand Shifts; CFPB Goes After Branch Manager Pay Schemes

Consumer Housing Outlook Improves; Rates Slightly Lower; Strong Refi Demand Shifts; CFPB Goes After Branch Manager Pay Schemes

The recent improved employment statistics which included an acceleration in average hourly earnings and a reported increase in personal income (a March to April bump of 0.4 percent) were reflected in Fannie Mae's May National Housing Survey. The share of survey respondents reporting a significant increase in their household income of the last 12 months climbed 4 percentage points to a near all-time high of 28 percent. Those expecting an improvement in their personal financial situation rose 1 point to 46 percent, the highest rate in at least a year. While attitudes about personal finances were up in the survey the optimism did not carry through to the economy as a whole. Those who think the economy is on the right track dropped 4 percentage points to 38 while the wrong track numbers rose 3
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