(https://www.cnbc.com/2026/06/04/higher-mortgage-rates-push-application-denial-rates-up.html) hitting 15.1% (up from 12.2% in 2021) aren't just about rate friction — they're about income ceilings. Banks deny borrowers whose debt-to-income ratios are too tight. That metric doesn't improve until wages accelerate, and (https://www.cnbc.com/2026/06/02/job-openings-at-2-year-high-valuation-trap-or-real-wage-inflection.html) is nowhere to be found.

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