(https://www.cnbc.com/2026/06/10/weekly-mortgage-demand-surges-nearly-11percent-higher-despite-volatile-interest-rates.html) despite rate volatility, but here's what nobody's saying: that's not confidence, that's panic. Households are front-running the perception of future rate hikes by locking in now — which means they're pricing in *higher* rates ahead, not lower. The 10Y is pinned at 4.53% and the 2Y just moved to 4.13%, flattening the curve further.

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