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ARMs account for 31 percent of California mortgage originations, Rick Palacios Jr. says

ARMs account for 31 percent of California mortgage originations, Rick Palacios Jr. says
ARMs reach 31 percent in California

Adjustable-rate mortgages (ARMs) represented roughly 31 percent of mortgage originations in California in 2025.

Rick Palacios Jr. pointed out that this data suggests buyers in higher price segments and markets are increasingly comfortable opting for ARMs, according to analysis referenced in the post.

Such trends in adjustable-rate mortgage adoption align with broader shifts in buyer behavior, as seen when homebuilders have moderated new construction activity in response to market conditions—a pattern highlighted in the analysis of how the Atlanta Fed observed homebuilders slow starts as buyers seek deals.

This material may contain third-party opinions, none of the data and information on this webpage constitutes investment advice according to our Disclaimer. While we adhere to strict Editorial Integrity, this post may contain references to products from our partners.

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