The residential housing market is a saturated corpse. Mortgage brokers are realizing there is nothing left to extract from the wreckage of homeownership. They are pivoting toward commercial lending.

This shift is not about growth. It is a desperate scramble for higher margins. The era of the individual borrower is effectively over.

The features of this decay are clear.

• Residential sectors are exhausted.
• Brokers are abandoning the masses for corporate debt.
• The middle class is no longer a viable target.