Resets and refis are different, IAC. A refi is a new loan, a reset is a change in the terms of the old loan.
On loan origination, one can lock in one's rate at the time of application or from any point in the process by paying an additional fee upfront, guaranteeing no change from what one was quoted, or one can pay higher points upfront to 'buy' a lower interest rate.
Some loans automatically guarantee the starting interest rate (or payment rate) for a particular period of time (1yr, 3yr, 5yr, 7yr are the most common).
Looking at those graphed data we don't know either the time the loans were originated nor the beginning interest rates, so it is difficult to deduce whether they will reset up or down.
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