McPherson Mortgage Rates

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  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Loan Attributes
  • Market Conditions & Pricing
  • Time on Market/Property Size
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Mcpherson averaged 5.93% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

    The average rate for the prior week (2022-06-23) was 5.84% and one month ago for the week of 2022-05-26, the average rate was 5.53%.

    Mcpherson's average rate one year ago was 3.32%.

    For refis of the same type during the week of 2022-06-30, the average rate was 5.71%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2022-06-30 5.7%
    Mcpherson 30 Year Fixed Rate 2022-06-30 5.93%
    Mcpherson 30 Year Fixed Rate Refi 2022-06-30 5.71%
    Mcpherson 15 Year Fixed Rate 2022-06-30 6.31%
    Mcpherson 15 Year Fixed Rate Refi 2022-06-30 4.82%
    Mcpherson 30 Year FHA 2022-06-30 6.06%
    Mcpherson 30 Year FHA Refi 2022-06-30 5.36%
    Mcpherson 30 Year USDA 2022-06-30 5.8%
    Mcpherson 30 Year USDA Refi 2022-06-30 5.75%
    Mcpherson 30 Year VA 2022-06-30 5.82%
    Mcpherson 30 Year VA Refi 2022-06-30 5.46%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within McPherson, KS.

    McPherson Top Lenders by Rates & Fees

    The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the McPherson, KS market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
    Gateway First Bank 20 3.21% $2,211
    QUICKEN LOANS, LLC 14 3.20% $4,362
    PRIMARY RESIDENTIAL MORTGAGE, INC. 14 3.32% $3,081
    PRIMELENDING, A PLAINSCAPITAL COMPANY 10 3.20% $3,854
    FLAT BRANCH MORTGAGE, INC. 10 3.25% $2,905
    Sunflower Bank 9 3.37% $2,677
    HEARTLAND CREDIT UNION 8 3.22% $1,909
    Mr. Cooper ( Nationstar Mortgage ) 4 3.53% $3,595
    Wells Fargo Bank 3 3.04% $2,829
    Capitol Federal Savings Bank 3 2.96% $1,968
    JPMorgan Chase Bank 3 3.17% $1,134
    LOANDEPOT.COM, LLC 3 3.21% $4,259
    U.S. Bank 3 3.33% $2,967
    GOLDEN PLAINS 2 2.88% $1,640
    OPEN MORTGAGE, LLC 2 3.38% $3,025
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 2.94% $3,116
    CREDIT UNION OF AMERICA 2 3.38% $1,400
    Community First National Bank 2 3.18% $2,338
    Intrust Bank 1 2.75% $1,709
    MERITRUST Federal Credit Union 1 2.88% $2,648
    MORIA DEVELOPMENT, INC. 1 3.38% $3,995
    Mortgage Investment Services Corporation 1 3.38% $2,528
    Mortgage Research Center, LLC 1 2.75% $4,289
    NBKC BANK 1 3.49% $2,092
    Plains Commerce Bank 1 3.25% $2,112
    Regent Financial Group, Inc. 1 2.88% $908
    Sierra Pacific Mortgage Company, Inc. 1 2.75% $2,756
    Ally Bank 1 4.00% $1,127
    United Fidelity Funding Corp. 1 4.00% $6,767
    UNITED WHOLESALE MORTGAGE, LLC 1 3.07% $2,598
    USAA Federal Savings Bank 1 2.63% $6,072
    Simmons Bank 1 3.38% $2,948
    AMERICAN FINANCING CORPORATION 1 2.75% $6,299
    American State Bank 1 3.00% $3,889
    AMERISAVE MORTGAGE CORPORATION 1 3.00% $4,922
    Bankers' Bank 1 3.38% $2,601
    Bank of America 1 3.88% $2,798
    BNC National Bank 1 2.88% $2,893
    CELEBRITY HOME LOANS, LLC 1 3.88% $3,430
    COMMUNITYAMERICA 1 3.25% $2,381
    Emprise Bank 1 3.63% $2,779
    ENDEAVOR CAPITAL, LLC. 1 2.88% $5,007
    FCB Banks 1 2.88% $2,189
    Fidelity Bank 1 3.13% $2,321
    First Guaranty Mortgage Corporation 1 4.00% $1,950
    First National Bank of Omaha 1 2.75% $2,632
    FREEDOM MORTGAGE CORPORATION 1 3.25% $3,364
    HOME POINT FINANCIAL CORPORATION 1 3.75% $1,428
    HOMESIDE FINANCIAL, LLC 1 3.63% $6,802

    McPherson, KS's 49 lenders originated 598 loans during 2021. The total origination value was $94,420,000, with an average loan value of $157,893.

    The top McPherson lender as defined by loan originations is Gateway First Bank, with 20 loans originated. Their average total fees are $2,211, which is $2,151 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee McPherson lenders (with over 10 loans originated) are Gateway First Bank ($2,211), FLAT BRANCH MORTGAGE, INC. ($2,905), PRIMARY RESIDENTIAL MORTGAGE, INC. ($3,081), PRIMELENDING, A PLAINSCAPITAL COMPANY ($3,854) and QUICKEN LOANS, LLC ($4,362).

    The lowest rate McPherson lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (3.20%), PRIMELENDING, A PLAINSCAPITAL COMPANY (3.20%), Gateway First Bank (3.21%), FLAT BRANCH MORTGAGE, INC. (3.25%) and PRIMARY RESIDENTIAL MORTGAGE, INC. (3.32%).

    McPherson, KS Lender Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
    The Citizens State Bank $15,680,000 $15,170,000 -3.3% 16.1%
    Gateway First Bank $17,740,000 $12,005,000 -32.3% 12.7%
    FLAT BRANCH MORTGAGE, INC. $7,700,000 n/a 8.2%
    QUICKEN LOANS, LLC $4,810,000 $7,260,000 50.9% 7.7%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $12,860,000 $5,515,000 -57.1% 5.8%
    FREEDOM MORTGAGE CORPORATION $5,720,000 $4,760,000 -16.8% 5.0%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $7,230,000 $4,380,000 -39.4% 4.6%
    Southern Bank $3,405,000 n/a 3.6%
    HEARTLAND CREDIT UNION $1,625,000 $2,415,000 48.6% 2.6%
    Mortgage Research Center, LLC $845,000 $2,195,000 159.8% 2.3%
    Sunflower Bank $1,675,000 $1,955,000 16.7% 2.1%
    PENNYMAC LOAN SERVICES, LLC $195,000 $1,795,000 820.5% 1.9%
    Mr. Cooper ( Nationstar Mortgage ) $585,000 $1,185,000 102.6% 1.3%
    The Bennington State Bank $1,195,000 $1,165,000 -2.5% 1.2%
    Emprise Bank $1,680,000 $1,155,000 -31.3% 1.2%
    LOANDEPOT.COM, LLC $615,000 $1,010,000 64.2% 1.1%
    NEWREZ LLC $250,000 $910,000 264.0% 1.0%
    BNC National Bank $360,000 $835,000 131.9% 0.9%
    Simmons Bank $825,000 n/a 0.9%
    Wells Fargo Bank $1,325,000 $750,000 -43.4% 0.8%
    JPMorgan Chase Bank $95,000 $730,000 668.4% 0.8%
    Capitol Federal Savings Bank $650,000 $720,000 10.8% 0.8%
    Mortgage Investment Services Corporation $1,770,000 $665,000 -62.4% 0.7%
    NAVY FEDERAL CREDIT UNION $215,000 $640,000 197.7% 0.7%
    KANZA Bank $605,000 n/a 0.6%
    OPEN MORTGAGE, LLC $330,000 $585,000 77.3% 0.6%
    PENTAGON FEDERAL CREDIT UNION $95,000 $565,000 494.7% 0.6%
    BROKER SOLUTIONS, INC. $560,000 $540,000 -3.6% 0.6%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $405,000 $535,000 32.1% 0.6%
    HOME POINT FINANCIAL CORPORATION $655,000 $530,000 -19.1% 0.6%
    LAKEVIEW LOAN SERVICING, LLC $515,000 n/a 0.5%
    Central National Bank $820,000 $510,000 -37.8% 0.5%
    USAA Federal Savings Bank $455,000 $460,000 1.1% 0.5%
    NEW DAY FINANCIAL, LLC $785,000 $455,000 -42.0% 0.5%
    Members Mortgage Services, L.L.C. $335,000 $445,000 32.8% 0.5%
    Financial Funding Solutions, Inc. $405,000 $440,000 8.6% 0.5%
    U.S. Bank $545,000 $415,000 -23.9% 0.4%
    Community First National Bank $400,000 n/a 0.4%
    First Guaranty Mortgage Corporation $95,000 $375,000 294.7% 0.4%
    AMERICAN FINANCING CORPORATION $250,000 $350,000 40.0% 0.4%
    Fidelity Bank $340,000 n/a 0.4%
    United Fidelity Funding Corp. $655,000 $320,000 -51.1% 0.3%
    The Union State Bank $460,000 $300,000 -34.8% 0.3%
    Sierra Pacific Mortgage Company, Inc. $175,000 $285,000 62.9% 0.3%
    AMERISAVE MORTGAGE CORPORATION $185,000 $280,000 51.4% 0.3%
    CREDIT UNION OF AMERICA $450,000 $280,000 -37.8% 0.3%
    KS StateBank $145,000 $270,000 86.2% 0.3%
    EMBRACE HOME LOANS, INC. $265,000 n/a 0.3%
    Carrington Mortgage Services, LLC $465,000 $260,000 -44.1% 0.3%
    Flagstar Bank, FSB $250,000 n/a 0.3%
    UNITED WHOLESALE MORTGAGE, LLC $235,000 n/a 0.2%
    ENDEAVOR CAPITAL, LLC. $555,000 $225,000 -59.5% 0.2%
    First National Bank of Omaha $225,000 n/a 0.2%
    US MORTGAGE CORPORATION $225,000 n/a 0.2%
    MERITRUST Federal Credit Union $240,000 $205,000 -14.6% 0.2%
    Regent Financial Group, Inc. $125,000 $195,000 56.0% 0.2%
    BM Real Estate Services, Inc. $190,000 n/a 0.2%
    GOLDEN PLAINS $300,000 $190,000 -36.7% 0.2%
    ROYAL UNITED MORTGAGE LLC $220,000 $190,000 -13.6% 0.2%
    Intrust Bank $45,000 $180,000 300.0% 0.2%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $175,000 n/a 0.2%
    RELIANCE FIRST CAPITAL, LLC $175,000 n/a 0.2%
    HOMESIDE FINANCIAL, LLC $165,000 n/a 0.2%
    COMMUNITYAMERICA $535,000 $155,000 -71.0% 0.2%
    Paramount Residential Mortgage Group, Inc. $155,000 n/a 0.2%
    MORIA DEVELOPMENT, INC. $145,000 n/a 0.2%
    FCB Banks $135,000 n/a 0.1%
    Landmark National Bank $135,000 n/a 0.1%
    Manufacturers and Traders Trust Company $125,000 n/a 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $105,000 $125,000 19.0% 0.1%
    AMERICAN ADVISORS GROUP $15,000 $105,000 600.0% 0.1%
    CMG MORTGAGE, INC. $255,000 $105,000 -58.8% 0.1%
    21ST MORTGAGE CORPORATION $150,000 $100,000 -33.3% 0.1%
    American State Bank $95,000 n/a 0.1%
    CELEBRITY HOME LOANS, LLC $85,000 n/a 0.1%
    Discover Bank $85,000 n/a 0.1%
    Bank of America $80,000 n/a 0.1%
    Ally Bank $75,000 n/a 0.1%
    NBKC BANK $75,000 n/a 0.1%
    Plains Commerce Bank $340,000 $75,000 -77.9% 0.1%
    Bankers' Bank $65,000 n/a 0.1%
    Community National Bank & Trust $65,000 n/a 0.1%
    Citizens Bank of Kansas $55,000 n/a 0.1%
    MID AMERICAN $135,000 $35,000 -74.1% 0.0%
    SKYWARD $35,000 n/a 0.0%
    Envista Credit Union $15,000 n/a 0.0%

    McPherson's top lender by overall market share is The Citizens State Bank, with 16.1% market share. In second place, with 12.7%, is Gateway First Bank, having originated $12,005,000 in loans. In third place, with 8.2%, is FLAT BRANCH MORTGAGE, INC., having originated $7,700,000 in loans. In third place, with 7.7%, is QUICKEN LOANS, LLC, having originated $7,260,000 in loans. In third place, with 5.8%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $5,515,000 in loans.

    McPherson, KS Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 294 $45,100,000 $153,401
    Refi 180 $30,260,000 $168,111
    Cash Out Refi 107 $17,185,000 $160,607
    Home Improvement 9 $785,000 $87,222
    Other 8 $1,090,000 $136,250

    Mcpherson's most frequently cited loan purpose was Home Purchase, with 294 originations. The 2nd most popular reason was Refi, with 180 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    3-4% 215 $35,065,000 $163,093
    2.5-3% 174 $29,110,000 $167,299
    <2.5% 64 $10,890,000 $170,156
    4-5% 17 $1,675,000 $98,529
    5-6% 5 $285,000 $57,000
    Over 8% 3 $45,000 $15,000
    6-7% 1 $55,000 $55,000

    During 2021, Mcpherson's most frequently originated rate bucket was 3-4%, with 215 originations.

    Loan Sizing (McPherson, KS MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 339 $50,115,000 $147,832
    $100,000 or less 143 $10,125,000 $70,804
    $200k-400k 110 $27,420,000 $249,273
    $400k-600k 3 $1,385,000 $461,667
    $Over $1MM 2 $4,770,000 $2,385,000
    $600k-1000k 1 $605,000 $605,000

    McPherson's loan sizing saw the bucket of loans from $100k-200k with 339 originations, totaling $50,115,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 274 $44,560,000 $162,628
    60-80% 95 $17,045,000 $179,421
    40-60% 33 $3,925,000 $118,939
    Over 100% 23 $4,965,000 $215,870
    20-40% 10 $690,000 $69,000
    Under 20% 6 $200,000 $33,333

    McPherson's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 274 originations, totaling $44,560,000 in origination value.

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - McPherson (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $145,900 (-2.7%) $180,939 (4.1%) 0.00 144
    2018-02-01 $148,400 (-5.5%) $180,602 (0.9%) 0.00 149
    2018-03-01 $149,900 (-4.4%) $179,891 (2.7%) 0.00 150
    2018-04-01 $159,400 (-0.3%) $191,479 (7.4%) 0.00 144
    2018-05-01 $168,000 (3.5%) $196,277 (5.8%) 0.00 153
    2018-06-01 $169,500 (1.0%) $196,927 (2.7%) 0.00 162
    2018-07-01 $171,000 (2.4%) $197,164 (2.1%) 0.00 177
    2018-08-01 $166,250 (0.8%) $191,745 (1.2%) 0.00 183
    2018-09-01 $159,900 (4.6%) $186,293 (2.1%) 0.00 191
    2018-10-01 $155,450 (3.3%) $181,378 (1.1%) 0.00 178
    2018-11-01 $159,900 (6.7%) $185,553 (1.7%) 0.00 171
    2018-12-01 $160,000 (12.7%) $189,973 (8.5%) 0.00 158
    2019-01-01 $159,900 (9.6%) $190,928 (5.5%) 0.00 163
    2019-02-01 $159,500 (7.5%) $192,516 (6.6%) 0.00 167
    2019-03-01 $159,386 (6.3%) $189,951 (5.6%) 0.00 160
    2019-04-01 $159,836 (0.3%) $189,972 (-0.8%) 0.00 148
    2019-05-01 $169,850 (1.1%) $197,419 (0.6%) 0.00 156
    2019-06-01 $168,900 (-0.4%) $188,839 (-4.1%) 0.00 155
    2019-07-01 $177,400 (3.7%) $194,441 (-1.4%) 0.00 162
    2019-08-01 $171,329 (3.1%) $199,236 (3.9%) 0.00 156
    2019-09-01 $165,829 (3.7%) $192,973 (3.6%) 0.00 150
    2019-10-01 $172,400 (10.9%) $204,242 (12.6%) 0.00 136
    2019-11-01 $179,900 (12.5%) $211,410 (13.9%) 0.00 122
    2019-12-01 $177,400 (10.9%) $210,350 (10.7%) 0.00 127
    2020-01-01 $168,400 (5.3%) $193,368 (1.3%) 0.00 125
    2020-02-01 $175,000 (9.7%) $195,529 (1.6%) 0.00 114
    2020-03-01 $157,450 (-1.2%) $184,203 (-3.0%) 0.00 113
    2020-04-01 $159,900 (0.0%) $188,064 (-1.0%) 0.00 111
    2020-05-01 $159,900 (-5.9%) $191,280 (-3.1%) 0.00 113
    2020-06-01 $165,400 (-2.1%) $205,852 (9.0%) 0.00 101
    2020-07-01 $179,450 (1.2%) $212,810 (9.5%) 0.00 96
    2020-08-01 $179,900 (5.0%) $210,600 (5.7%) 0.00 89
    2020-09-01 $189,900 (14.5%) $221,197 (14.6%) 0.00 81
    2020-10-01 $192,000 (11.4%) $227,477 (11.4%) 0.00 73
    2020-11-01 $187,400 (4.2%) $224,575 (6.2%) 0.00 71
    2020-12-01 $189,900 (7.1%) $231,696 (10.2%) 0.00 66
    2021-01-01 $199,000 (18.2%) $239,635 (23.9%) 0.00 60
    2021-02-01 $199,450 (14.0%) $237,374 (21.4%) 0.00 51
    2021-03-01 $198,500 (26.1%) $225,243 (22.3%) 0.00 47
    2021-04-01 $205,500 (28.5%) $244,871 (30.2%) 0.00 37
    2021-05-01 $175,000 (9.4%) $216,604 (13.2%) 0.00 42
    2021-06-01 $174,950 (5.8%) $219,865 (6.8%) 0.00 48
    2021-07-01 $179,900 (0.3%) $219,190 (3.0%) 0.00 52
    2021-08-01 $161,100 (-10.5%) $188,698 (-10.4%) 0.00 48
    2021-09-01 $147,450 (-22.4%) $178,145 (-19.5%) 0.00 40
    2021-10-01 $149,900 (-21.9%) $200,427 (-11.9%) 0.00 43
    2021-11-01 $154,750 (-17.4%) $212,553 (-5.4%) 0.00 39
    2021-12-01 $164,250 (-13.5%) $210,268 (-9.3%) 0.00 35
    2022-01-01 $179,900 (-9.6%) $213,815 (-10.8%) 0.00 32
    2022-02-01 $224,900 (12.8%) $255,510 (7.6%) 0.00 33
    2022-03-01 $224,900 (13.3%) $253,519 (12.6%) 0.00 30
    2022-04-01 $199,000 (-3.2%) $266,221 (8.7%) 0.00 27
    2022-05-01 $234,500 (34.0%) $258,707 (19.4%) 0.00 38
    2022-06-01 $187,750 (7.3%) $229,191 (4.2%) 0.00 30
    McPherson's median listing price for 2022-06-01 was $187,750, a difference of $12,800 (7.3%) versus the prior year and $-46,750 versus the prior month.

    McPherson's median listing price comes in at 0% of the national average.

    McPherson's average listing price for 2022-06-01 was $229,191, a difference of $9,326 (4.2%) versus the prior year and $-29,516 versus the prior month.

    For the 2022-06-01 period, McPherson had 30 MLS listings, a difference of -8 listings (-21%) versus the prior month and -18 listings (-38%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - McPherson (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,850 sqft
    2018-02-01 0 days 1,937 sqft
    2018-03-01 0 days 1,950 sqft
    2018-04-01 0 days 1,995 sqft
    2018-05-01 0 days 2,067 sqft
    2018-06-01 0 days 2,018 sqft
    2018-07-01 0 days 2,042 sqft
    2018-08-01 0 days 2,016 sqft
    2018-09-01 0 days 2,070 sqft
    2018-10-01 0 days 2,017 sqft
    2018-11-01 0 days 2,072 sqft
    2018-12-01 0 days 2,204 sqft
    2019-01-01 0 days 2,191 sqft
    2019-02-01 0 days 2,040 sqft
    2019-03-01 0 days 1,973 sqft
    2019-04-01 0 days 1,949 sqft
    2019-05-01 0 days 1,980 sqft
    2019-06-01 0 days 1,846 sqft
    2019-07-01 0 days 1,906 sqft
    2019-08-01 0 days 1,881 sqft
    2019-09-01 0 days 1,818 sqft
    2019-10-01 0 days 1,986 sqft
    2019-11-01 0 days 2,235 sqft
    2019-12-01 0 days 2,186 sqft
    2020-01-01 0 days 2,041 sqft
    2020-02-01 0 days 2,200 sqft
    2020-03-01 0 days 2,087 sqft
    2020-04-01 0 days 2,046 sqft
    2020-05-01 0 days 1,950 sqft
    2020-06-01 0 days 1,986 sqft
    2020-07-01 0 days 2,186 sqft
    2020-08-01 0 days 2,201 sqft
    2020-09-01 0 days 2,288 sqft
    2020-10-01 0 days 2,338 sqft
    2020-11-01 0 days 2,244 sqft
    2020-12-01 0 days 2,303 sqft
    2021-01-01 0 days 2,392 sqft
    2021-02-01 0 days 2,331 sqft
    2021-03-01 0 days 2,263 sqft
    2021-04-01 0 days 2,487 sqft
    2021-05-01 0 days 1,953 sqft
    2021-06-01 0 days 1,948 sqft
    2021-07-01 0 days 1,897 sqft
    2021-08-01 0 days 1,758 sqft
    2021-09-01 0 days 1,792 sqft
    2021-10-01 0 days 1,886 sqft
    2021-11-01 0 days 1,874 sqft
    2021-12-01 0 days 1,838 sqft
    2022-01-01 0 days 1,768 sqft
    2022-02-01 0 days 1,705 sqft
    2022-03-01 0 days 1,792 sqft
    2022-04-01 0 days 2,220 sqft
    2022-05-01 0 days 2,166 sqft
    2022-06-01 0 days 1,941 sqft
    McPherson's median listing age (time on market) for 2022-06-01 was 0 days.

    McPherson's median square footage for active listings during the 2022-06-01 period was 1,941 sqft. One year prior, the average listing was 1,948 sqft.