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Six-Month Graph of 10/1-year Hybrid Adjustable-Rate Mortgages

This is a graph of combined average initial interest rates for 10/1-year Hybrid Adjustable Rate Mortgages over the last six months, derived from data gathered as part of HSH's editorial surveys. The weekly 10/1 Hybrid ARM data that populates this graph of average rates can be seen in HSH's Statistical Release.

The 10/1 ARM has a fixed interest rate for the first ten years of the loan, which is usually a total of 30 years. After the first ten years, the interest rate adjusts each year for the remaining 20-year term.

There are times when 10/1 hybrid ARMs offer a reasonable interest-rate advantages over 30-year fixed rate mortgages, and other times when they do not. In many cases, borrowers choose a long-term fixed rate mortgage rather than a 10/1 ARM, as the interest-rate and monthly payment break isn't sufficient to warrant giving up 20 years worth of additional rate stability. Still, they do have their place on the mortgage menu, as even a small break in rate can add up to considerable savings over a 10 year period, especially for borrowers with large loan amounts.

HSH's combined averages give a realistic picture of local mortgage markets, particularly important in high-cost areas.

Available Statistics Series
  • Hybrid ARM statistics, conforming (more info)
  • Hybrid ARM statistics, jumbo
  • FRM first-mortgage statistics, conforming
  • FRM first-mortgage statistics, jumbo
  • FHA 30-year FRM statistics
  • TCM- and LIBOR-based ARM statistics
  • Home Equity Line-of-credit statistics
  • Home Equity Loan (single disbursement) statistics
  • New Auto Loan statistics
  • Used Auto Loan statistics
Click here for more information

Legacy data formerly found in the HSH Statistical Release tables can be found here.

Conforming, Jumbo and FHA data series are available via data license.

Click here for combined statistics on various metropolitan areas.

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