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Chart of the Day: ARM Loans

John Keefer, Trust Investment Associate Apr 7, 2026
Map of the United States with shading to illustrate the percentage of Adjustable-Rate Mortgages by state, with the color deepening as the percentage increases.

Contents

Today's Chart of the Day from the Wall Street Journal article "How Homeowners Are Turning to Adjustable-Rate Mortgages, in Charts" addresses the data behind ARM (Adjustable-Rate Mortgage) loans across the country.
 
In 2020, ARMs were generally unnecessary, given that homebuyers could lock in a sub 3% fixed rate for 30 years. However, today ARMs are gaining traction across multiple states.
 
Buyers are hoping to take advantage of lower teaser rates before adjustments (typically after five, seven or ten years) kick in. Long term fixed rates have remained steady around 6% for multiple years.
 
The current economic outlook suggests that these long-term rates may trend lower and provide an opportunity for homeowners with ARMs to refinance at lower rates eventually.
Chart of the Day

About the Author

John Keefer, Trust Investment Associate
John Keefer, Trust Investment Associate

John joined Crews Bank & Trust as a Trust Investment Associate in September 2025. He holds a Bachelor of Science in Business Administration with a focus in Finance and Banking from the University of Missouri, along with an Investment Certificate. In his role, he supports portfolio maintenance and analysis while helping clients work toward their financial goals.

Investments are not a deposit or other obligation of, or guaranteed by, the bank, are not FDIC insured, not insured by any federal government agency, and are subject to investment risks, including possible loss of principal.

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