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Six-Month Graph of 5/1-year Hybrid Adjustable-Rate Mortgages

This is a graph of combined average initial interest rates for 5/1-year Hybrid Adjustable Rate Mortgages over the last six months, derived from data gathered as part of HSH's editorial surveys. The weekly 5/1 Hybrid ARM data that populates this graph of average rates can be seen in HSH's Statistical Release.

The 5/1 ARM has a fixed interest rate for the first five years of the loan, which is usually a total of 30 years. After the first five years, the interest rate adjusts each year for the remaining 25-year term. The most common cap structures for these ARMs allow for the interest rate to rise as much as five or six percentage points after the initial period ends, so these products do run the risk of becoming unaffordable for a homeowner if rates have risen sharply during the five-year fixed period.

Five-one Hybrid ARMs are often the most popular Adjustable Rate Mortgage, as they offer homebuyers and refinancers a reasonable balance between lower interest rates and stable payments when compared against the relative expense of a long-term fixed-rate mortgage over the same five-year time frame.

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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