(https://www.cnbc.com/2026/09/09/demand-for-riskier-mortgages-rises-again-along-with-interest-rates.html) and the room is reading it backwards. ARM adoption isn't a distress signal — it's rational optimization by credit-worthy borrowers hedging against rate volatility. The real problem isn't borrower quality, it's that banks have already repriced defensively while consumer fundamentals remain resilient.

Research these companies