HousingWire Daily No, ARM loans don't make up 41% of mortgage loans
Aug 26, 2025
Logan Mohtashami, Lead Analyst at HousingWire, known for his sharp economic insights, joins to debunk widespread myths about adjustable-rate mortgages (ARMs). He challenges the alarming claims linking ARMs to a housing market crash by comparing today's environment to the 2008 crisis. The discussion reveals insights into new home sales and highlights the complexities of current market dynamics, showcasing how data-driven perspectives can combat sensationalism and misperceptions about the housing landscape.
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Sunday Night Data Takedown
- Logan describes being pinged Sunday night after the Zero Hedge tweet and quickly pulling data to refute it.
- He used the Fed paper and purchase-application data to shut down the misleading claim.
41% ARM Claim Is False
- The claim that 41% of U.S. mortgages are ARMs is mathematically and factually wrong.
- Logan Mohtashami shows data quickly disproving the Zero Hedge tweet and highlights differences in mortgage structure versus other countries.
US Market Uses Long-Term Fixed Mortgages
- The U.S. mortgage market is dominated by long-term fixed-rate loans, unlike many other countries.
- The Fed paper (Aug 7) highlights the U.S. has 90%+ 30-year fixed mortgages, reducing short-term housing stress.