(https://www.cnbc.com/2026/08/06/united-wholesale-mortgage-plunges-40percent-suspends-dividend-raises-capital-.html) and tanked 40% because refinancing demand evaporated faster than anyone expected. That's not a mortgage story — that's a credit-availability warning flag for every duration-dependent business in the market. Healthcare insurers ($HUM, $UNH, $CVS) are next in line because they're swimming in low-yielding bonds issued when rates were underwater.

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