ARM Share for Home Purchases: An Analysis by Borrower Age Cohort (2024)

Demographics

Mortgage Markets

ARM Share for Home Purchases: A Combo Bar Chart by Borrower Age Cohort

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Data Points

Age of Applicant NFBP, Purchase, Closed-End, First Lien ARM Share by Age 35-44 768,115 7.0% 25-34 962,284 5.1% 45-54 453,331 6.5% 55-64 304,683 6.2% 65-74 154,850 6.1% <25 193,899 3.0% 75+ 47,866 5.4%

Date Published:

November 6, 2025

Date Updated:

November 6, 2025

Chart type:

Combo Chart

Suggested Citation:

Polygon Vision - HMDA Vision. "Share of ARM Home Purchase Loans by Borrower Age Cohort." Polygon Vision - HMDAVision. Accessed: November 6, 2025. Filters: 2024, Not for Business Purpose, Closed-End, First Lien, Home Purchase ARM and FRM Loans. Excl. NA.

Key Insight and Commentary

The chart maps 2024 home purchase loan volume (bars) against the adoption rate of Adjustable-Rate Mortgages (ARMs) (line) by borrower age.

The highest ARM adoption is 7%, found among "move-up" buyers in the 45-54 age range and also in the buyers 35-44 year old. This suggests more established buyers are more sophisticated and may use ARMs as a strategic tool to manage cash flow or increase purchasing power.

Strategic Implications for Marketing‍

This national trend highlights a clear opportunity for targeted marketing.

Segment: Marketing to the 35-44 and 45-54 cohort should focus on ARMs as a sophisticated financial instrument.

Educate: The 25-34 group is a massive, untapped market. Growth here requires an education-first approach to build trust in modern hybrid ARMs.

We recommend that analysts to replicate this analysis at a local MSA level, at the defined market area, or field of membership. Understanding your own ARM adoption patterns versus those of your competitors is key. Are you underperforming with Millennials in your core market? This data will pinpoint specific gaps and opportunities.

From Analysis to Action

This analysis provides a clear blueprint for how to uncover meaningful market dynamics. Its true power is unleashed when you apply this same methodology to your own local markets. Because all real estate is local, this granular approach is essential for crafting precise strategies that effectively address the unique conditions of each community.

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