The present invention provides a technique for reducing the number of write barriers executed in mutator code without compromising garbage collector performance. To that end, when mutator instructions located within an inner-most nested loop ("inner loop") modify references stored in one or more arrays, a compiler defers emitting write barriers corresponding to the reference modifications until after the inner loop is emitted. By deferring emission of write barriers, the mutator may execute a write barrier for each card spanned by the array instead of executing a typically larger number of write barriers corresponding to each reference modification made in an array. Thus, the invention enables the compiler to reduce the amount of write-barrier overhead performed by the mutator, consequently enabling the mutator to execute faster and more efficiently.