Just one more attempt: you are confused as to how redemption is applied to the elect. It is through faith in Christ. The atoning blood is not applied to the elect until the elect hear the gospel and believe. Note what Paul says in Rom. 5:
:9 "Much more then, having now been justified by His blood, we shall be saved from the wrath of God through Him." This is the same context as v. 1 "having been justified by faith..." and so justification is by the atoning blood of Christ at the time a person believes. Note that it says "we shall be saved from the wrath of God." This confirms that an unbeliever is under God's wrath prior to spiritual rebirth, though he be among the elect. To be "saved from the wrath of God" means that a person is initially under that wrath that he shall be saved from.
Therefore, redemption must be applied to a person at a certain time in their life, that is, when they believe. If you claim that the elect have redemption applied to them while they are sons of disobedience, then why not simply expand the scope to every son of disobedience? You're just one step away from universalism. There has to be a reason why redemption is applied to the elect other than it is accomplished. If universal man does not have redemption applied to him, then neither does the elect while they are in the same condition of spirit as universal man.
Eph. 5:5-6 "For this you know with certainty, that no sexually immoral or impure or greedy person, which amounts to an idolater, has an inheritance in the kingdom of Christ and God. See that no one deceives you with empty words, for because of these things the wrath of God comes upon the sons of disobedience." Prior to conversion, the elect is in the same condition of spirit as "the rest," because they are all unregenerate. So, if an elect person is an idolator (which we all were before our conversion), he has no inheritance in Christ's kingdom. We were all sons of disobedience, and therefore had the wrath of God hanging over us. We needed to be saved from it, and when we realized that need after hearing the gospel, we believed the gospel message, having hope in Christ, and thus was redemption applied to us. After that, we became godly people (as opposed to the idolators we once were). The wrath of God was turned away from us, because we were no longer sons of disobedience, having had redemption applied to us by means of spiritual rebirth. Therefore, it is the conversion that God does to the elect by means of His grace, that is the way God applies redemption to them.
Therefore, IMO your logic is bad, you are coming to a false conclusion about the scripture you cite, and your idea is likely hypercalvinistic heresy. I hope you are able to get off of your foolish commitment to the false idea you are teaching in your OP.