2022 Mortgage Trends - The Aftermath

4/3/2023 - Josh, OriginationData.com

As everyone has probably already heard-- the Fed raising rates in 2022 absolutely tanked consumer borrowing through the year. But how much were mortgage originations impacted by the rate hikes? We use some of the data we have scattered all over our site to put together some high level insights with some neat interactive tables and of course, maps.
The tl;dr? over 40%.

Total Mortgage Originations by Year

At the highest level, 2022 mortgage origination volume by dollar value decreased by 40% (-$1.9 trillion) and loan originations decreased by 44% (6.6 million originations). This origination dollar volume exceeds pre-covid levels, but the raw origination count only exceeds 2018's origination count.

Year	Originations	Value
2023	5,685,171	$1,774,472,955,000
2022	8,369,564	$2,892,915,820,000
2021	14,937,950	$4,735,378,410,000
2020	14,546,437	$4,360,846,595,000
2019	9,325,241	$2,661,739,305,000
2018	7,157,358	$1,847,321,500,000

Mortgage Originations by Product Type, Annual Totals

Refinance

Refis are the single largest casualty of the interest rate environment-- and we will look at just conventional non-cash-out refinances in this section. When rates went to effectively 0% at the end of 2020Q1 (from ~1.5% prior), their origination volume exploded. 2019 (aka, pre-COVID-era) had 2.2 million conventional refinances worth $781 billion, which was already more than double 2018's figures. 2020 saw originations spike to 6.6MM and $2.07 trillion of value. 2021 slightly cooled, with *just* 5.6MM originations worth $1.8 trillion.

And then 2022 came along and rates did this:
2022 Rate Hikes
The results? 1.08MM refis (-86% vs 2021) worth just $414 billion (-76% vs 2021)-- a similar origination value to 2018-- but with ~27% higher average loan value-- likely a result of the huge increase in home prices tied to lower rates ballooning purchase prices due to lower mortgage payments.

Home Purchases

On the opposite end of the spectrum from refinance originations is the venerable home purchase origination-- what people who are buying a new-to-them home (either to live in, vacation in, speculate with or hoard) will typically use. 2021 was also the highest recent year for purchase originations, with 5.3MM originations worth $1.9 trillion, up from 4.9MM ($1.5 trillion) originations in 2020, 4.5MM ($1.3 trillion) in 2019 and 3.9MM ($1.1 trillion) in 2018. The 2022 results? Only a 19% decrease in originations and 10.5% decrease in origination value. The "softer" landing for 2022's home purchase originations is again bouyed by the same 27% average origination value increase as seen with refis.

Home Improvement Loans (A bright spot, or not?)

2022's biggest "winning" category has to be home improvement originations-- increasing 43% to 782k originations worth $139 billion (+96% vs 2021). As everyone has already seen, home prices have been increasing anywhere from 5-30%+ per year depending on market, so equity loans for home improvements have geen steadily growing. Not wanting to speculate, but perhaps homeowners feel guilty over their newfound wealth and want to improve their homes in the event of a sale? Or cynically, they're trying to increase the value of their home in the event of prices decreasing as rates continue to increase?

Year	Loan Purpose	Originations	Value	Average Origination Value
2023	Cash Out Refi	648,500	$164,623,210,000	$253,852
2023	Home Improvement	603,440	$69,206,060,000	$114,686
2023	Home Purchase	3,443,425	$1,279,370,035,000	$371,540
2023	NA	1,175	$3,898,635,000	$3,317,987
2023	Other	554,316	$78,726,650,000	$142,025
2023	Refi	434,315	$178,648,365,000	$411,334
2022	Cash Out Refi	1,542,768	$477,057,700,000	$309,222
2022	Home Improvement	782,329	$139,271,695,000	$178,022
2022	Home Purchase	4,350,780	$1,717,986,920,000	$394,869
2022	NA	2,350	$21,982,530,000	$9,354,268
2022	Other	612,099	$122,069,895,000	$199,428
2022	Refi	1,079,238	$414,547,080,000	$384,111
2021	Cash Out Refi	2,972,156	$897,876,240,000	$302,096
2021	Home Improvement	546,649	$71,045,075,000	$129,965
2021	Home Purchase	5,335,834	$1,915,247,060,000	$358,941
2021	NA	1,548	$1,416,460,000	$915,026
2021	Other	422,384	$91,059,900,000	$215,586
2021	Refi	5,659,379	$1,758,733,675,000	$310,764
2020	Cash Out Refi	2,161,223	$632,956,245,000	$292,869
2020	Home Improvement	455,732	$56,213,580,000	$123,348
2020	Home Purchase	4,905,840	$1,518,583,130,000	$309,546
2020	NA	933	$445,135,000	$477,101
2020	Other	389,354	$73,831,680,000	$189,626
2020	Refi	6,633,355	$2,078,816,825,000	$313,388
2019	Cash Out Refi	1,497,523	$422,443,255,000	$282,095
2019	Home Improvement	541,014	$58,075,940,000	$107,346
2019	Home Purchase	4,512,573	$1,327,937,125,000	$294,275
2019	NA	7,212	$6,319,460,000	$876,242
2019	Other	490,225	$65,612,285,000	$133,841
2019	Refi	2,276,694	$781,351,240,000	$343,196
2018	Cash Out Refi	1,094,873	$277,945,145,000	$253,861
2018	Home Improvement	543,558	$57,711,660,000	$106,174
2018	Home Purchase	3,994,135	$1,133,297,795,000	$283,740
2018	NA	5,735	$4,571,225,000	$797,075
2018	Other	485,712	$60,119,130,000	$123,775
2018	Refi	1,033,345	$313,676,545,000	$303,555

Mortgage Originations by Lender, Annual Totals (>1BB originated)

A prudent hypothesis is that the only industry with more layoffs than big-tech has to have been anyone involved in the mortgage industry-- whether you're looking at VC funded startups laying off hundreds via zoom, the largest bank originator by volume for 2021 dropping thousands or even one of the largest low-cost mortgage companies being acquired.

In terms of across-the-board performance, we track over 4,000 lenders and of those 73% (2,934) saw decreases in total origination volume.

2022 Origination Volume Delta by Frequency

Takeaways

50% of lenders saw >25% decrease in origination volume value
40% of lenders saw >33% decrease
18% of lenders saw >50% decrease
>100 lenders saw >75% decrease

(In)famous lenders as of late such as Better.com saw an 83% decrease-- from $47 billion to $7.8 billion.
The largest lender in America, Quicken/Rocket, saw a 62% decrease-- from $340 billion to $127 billion.
The majority of lenders with growth did so by being relatively small (only ~16 lenders grew volume by >$1 billion) or via acquisitions (e.g. PNC/BBVA)-- or in cases such as Guild/Cherry Creek, an acquisition and volume still off by 45% YoY.

Year	LEI	Name	Value	vs PY	Average Origination Value
2022	549300FGXN1K3HLB1R50	QUICKEN LOANS, LLC	$127,577,235,000	-62%	$274,736
2022	549300HW662MN1WU8550	UNITED WHOLESALE MORTGAGE, LLC	$127,513,645,000	-44%	$365,982
2022	KB1H1DSPRFMYMCUFXT09	Wells Fargo Bank	$78,976,195,000	-50%	$553,175
2022	7H6GLXDRUGQFU57RNE97	JPMorgan Chase Bank	$72,661,605,000	-46%	$631,659
2022	549300XHF3PMRO08N352	VERITY	$61,851,695,000	44,132%	$151,226,638
2022	B4TYDEB6GKMZO031MB27	Bank of America	$53,522,050,000	-37%	$440,561
2022	549300AG64NHILB7ZP05	LOANDEPOT.COM, LLC	$52,531,740,000	-62%	$336,470
2022	YWC0TIKBQM2JV8L4IV08	First Republic Bank	$43,912,145,000	17%	$1,455,153
2022	6BYL5QZYBDK8S7L73M02	U.S. Bank	$42,530,125,000	-35%	$355,167
2022	549300MGPZBLQDIL7538	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	$40,808,695,000	-43%	$318,905
2022	AD6GFRVSDT01YPT1CS68	PNC Bank	$37,350,450,000	7%	$346,145
2022	549300VZVN841I2ILS84	CROSSCOUNTRY MORTGAGE, LLC	$35,337,675,000	-32%	$356,640
2022	549300U3721PJGQZYY68	GUARANTEED RATE, INC.	$31,008,935,000	-58%	$377,408
2022	549300J7XKT2BI5WX213	CALIBER HOME LOANS, INC.	$29,496,240,000	-59%	$339,623
2022	DRMSV1Q0EKMEXLAU1P80	Citizens Bank	$25,374,430,000	-23%	$250,325
2022	SS1TRMSN6BRNMOREEV51	Flagstar Bank, FSB	$24,937,780,000	-27%	$407,480
2022	549300DD5QQUHO6PCH70	Mortgage Research Center, LLC	$23,831,530,000	-24%	$300,032
2022	549300BRJZYHYKT4BJ84	HOME POINT FINANCIAL CORPORATION	$23,167,540,000	-69%	$360,843
2022	549300DD4R4SYK5RAQ92	MOVEMENT MORTGAGE, LLC	$22,688,195,000	-31%	$321,331
2022	E57ODZWZ7FF32TWEFA76	Citibank	$22,616,550,000	-18%	$1,311,408
2022	RVDPPPGHCGZ40J4VQ731	PENNYMAC LOAN SERVICES, LLC	$22,095,015,000	-63%	$289,645
2022	JJKC32MCHWDI71265Z06	Truist	$20,684,930,000	-24%	$306,081
2022	254900YA1AQXNM8QVZ06	WALKER & DUNLOP, LLC	$20,245,515,000	-13%	$21,560,719
2022	5493001SXWZ4OFP8Z903	DHI MORTGAGE COMPANY, LTD.	$20,130,450,000	23%	$338,088
2022	5493003GQDUH26DNNH17	NAVY FEDERAL CREDIT UNION	$18,816,640,000	-25%	$249,353
2022	HUX2X73FUCYHUVH1BK78	KeyBank	$18,660,670,000	-25%	$543,662
2022	549300AQ3T62GXDU7D76	GUILD MORTGAGE COMPANY	$18,454,595,000	-45%	$309,304
2022	549300LBCBNR1OT00651	Mr. Cooper ( Nationstar Mortgage )	$18,122,030,000	-56%	$237,903
2022	549300LYRWPSYPK6S325	FREEDOM MORTGAGE CORPORATION	$17,911,565,000	-80%	$271,219
2022	549300GNIV169ZIHU012	BERKADIA COMMERCIAL MORTGAGE LLC	$17,056,055,000	48%	$18,930,139
2022	549300GS0W0TEUQS8571	Morgan Stanley Private Bank	$15,490,630,000	-2%	$1,117,650
2022	2WHM8VNJH63UN14OL754	The Huntington National Bank	$15,088,585,000	-25%	$223,452
2022	549300MXJA09WZJ0DV55	FINANCE OF AMERICA MORTGAGE LLC	$14,354,030,000	-51%	$374,154
2022	549300E2UX99HKDBR481	BROKER SOLUTIONS, INC.	$14,262,650,000	-55%	$300,254
2022	549300H3IZO24NSOO931	EAGLE HOME MORTGAGE, LLC	$14,088,880,000	7%	$376,789
2022	549300YIQ7S7Z8PIHE53	AMERISAVE MORTGAGE CORPORATION	$12,967,525,000	-64%	$294,750
2022	549300GKFNPRWNS0GF29	CMG MORTGAGE, INC.	$12,666,965,000	-32%	$341,234
2022	549300121SF0K2LN2804	PRIMELENDING, A PLAINSCAPITAL COMPANY	$12,085,370,000	-45%	$301,757
2022	549300VORTI31GZTJL53	CARDINAL FINANCIAL	$12,043,510,000	-61%	$290,878
2022	03D0JEWFDFUS0SEEKG89	TD Bank	$11,718,260,000	-15%	$355,487
2022	5493001WHVQBGRSWEU75	HOMEBRIDGE FINANCIAL SERVICES, INC.	$11,596,770,000	-50%	$375,616
2022	OX3PU53ZLPQKJ4700D47	MUFG Union Bank	$10,384,695,000	-24%	$774,342
2022	549300KIOYNU323LVJ37	AMERICAN PACIFIC MORTGAGE CORPORATION	$10,301,255,000	-51%	$375,287
2022	EQTWLK1G7ODGC2MGLV11	Regions Bank	$9,733,075,000	-29%	$226,841
2022	254900ZFWS2106HWPH46	Paramount Residential Mortgage Group, Inc.	$9,707,085,000	-37%	$340,683
2022	5493005PKOSG7MYX0B34	Prosperity Home Mortgage, LLC	$9,494,235,000	-38%	$354,091
2022	549300XWUSRVVOHPRY47	EVERETT FINANCIAL, INC.	$9,490,290,000	157%	$295,445
2022	207ALC1P1YM0OVDV0K75	Capital One	$8,893,190,000	-2%	$21,481,135
2022	549300FNXYY540N23N64	NEWREZ LLC	$8,591,270,000	-75%	$242,911
2022	QFROUN1UWUYU0DVIWD51	Fifth Third Bank	$8,560,315,000	-29%	$169,757
2022	54930001NSTOD85LT125	GUARANTEED RATE AFFINITY, LLC	$8,399,730,000	-45%	$381,459
2022	549300WTZMQSET2VY242	ACADEMY MORTGAGE CORPORATION	$8,027,230,000	-48%	$322,482
2022	549300SHE1JTCOWBP090	STATE EMPLOYEES'	$7,947,955,000	6%	$174,892
2022	549300XY701IELCE5Q08	BETTER MORTGAGE CORPORATION	$7,865,335,000	-83%	$373,420
2022	8WH0EE09O9V05QJZ3V89	Zions Bank	$7,779,025,000	6%	$466,788
2022	593C3GZG957YOJPS2Z63	City National Bank	$7,611,215,000	-7%	$1,216,432
2022	IFQSIUC9AGQV2NE8CN25	Umpqua Bank	$7,196,910,000	-27%	$465,639
2022	5493007Z7FTUKQGFMZ98	GREYSTONE SERVICING COMPANY LLC	$7,132,455,000	-22%	$11,789,182
2022	5493004WMLN60ZJ2ON46	PULTE MORTGAGE LLC	$7,096,540,000	-5%	$391,080
2022	549300DH8EI64ITBY388	Prudential Huntoon Paige Associates, LLC	$7,024,845,000	0%	$23,184,307
2022	549300MCIFZSDHUT8X63	NFM, INC.	$6,988,795,000	-24%	$358,345
2022	549300FX7K8PTEQUU487	PENTAGON FEDERAL CREDIT UNION	$6,961,600,000	-26%	$264,841
2022	549300GWD9H4FQ2VR805	UBS Bank USA	$6,881,900,000	-13%	$1,387,480
2022	8I3UVGYULPJQIP7FQV10	South State Bank	$6,533,005,000	0%	$433,022
2022	L9VVX1KT5TFTKS0MLF66	First-Citizens Bank & Trust Company	$6,467,570,000	30%	$338,687
2022	549300KBWX4NV5Q1E376	NVR Mortgage Finance, Inc.	$6,314,430,000	4%	$371,219
2022	COOWI3L2W9TPYR3WJX37	First Horizon Bank	$6,235,105,000	-20%	$425,633
2022	IUGPUX5LWRZ3B6KIZ697	Ameris Bank	$6,066,435,000	-35%	$372,608
2022	5493004AS1SPBQOFDR49	Commerce Home Mortgage, Inc.	$5,929,230,000	-23%	$482,679
2022	549300INFJ8TYNZ1G568	Charles Schwab Bank, SSB	$5,878,115,000	-49%	$1,016,447
2022	QOT5WN9RBKQTFRVKEV31	Bank of the West	$5,737,815,000	-22%	$407,602
2022	549300RPOGWJRH63HS39	UNION HOME MORTGAGE CORP.	$5,710,575,000	-40%	$252,312
2022	549300IBT3SCF2K09D58	CBRE MULTIFAMILY CAPITAL, INC.	$5,659,425,000	-16%	$26,322,907
2022	WWB2V0FCW3A0EE3ZJN75	M&T Bank	$5,635,665,000	-14%	$212,691
2022	549300HINJH60UG3KG47	BERKELEY POINT CAPITAL LLC	$5,599,845,000	-27%	$28,139,925
2022	F28JOQ8OBWCFUYM0UX93	East West Bank	$5,384,805,000	17%	$696,521
2022	C5654JQHZUHN0772B561	USAA Federal Savings Bank	$5,380,815,000	-36%	$319,887
2022	549300ASFUWYQO0RW077	Arbor Realty Trust, Inc.	$5,329,465,000	-25%	$9,399,409
2022	C4BXATY60WC6XEOZDX54	Metropolitan Life Insurance Co	$5,294,795,000	0%	$67,022,722
2022	5493008CPTDVOS570626	Third Federal Savings and Loan Association of Cleveland	$5,246,435,000	-1%	$173,407
2022	549300UXY7OP0IC38293	Northpointe Bank	$5,231,560,000	-29%	$360,797
2022	549300CY7WNAHKHYSJ73	CORNERSTONE HOME LENDING, INC.	$5,173,050,000	-48%	$364,248
2022	54930052M48FOD3CWA54	PRIMARY RESIDENTIAL MORTGAGE, INC.	$5,071,700,000	-54%	$282,294
2022	549300NOCASXPA34X033	LAKEVIEW LOAN SERVICING, LLC	$5,022,645,000	-72%	$247,263
2022	549300PL8ER6H23P0Z91	BAY EQUITY LLC	$5,014,320,000	-40%	$386,014
2022	549300KM40FP4MSQU941	Boeing Employees Credit Union	$4,937,130,000	-10%	$229,912
2022	549300DMHEHNYZ2OLB41	First United Bank and Trust Company	$4,915,990,000	-19%	$442,962
2022	549300S5YL3OH0IVCS62	FINANCE OF AMERICA REVERSE LLC	$4,885,835,000	14%	$446,480
2022	5493001GDRY0EL7VG372	ARK-LA-TEX FINANCIAL SERVICES, LLC.	$4,782,450,000	-31%	$301,428
2022	KI0VI4JRMCIJ329YTN75	Valley National Bank	$4,768,645,000	8%	$844,157
2022	549300WRDGBHKR1BXL98	Merchants Bank of Indiana	$4,622,930,000	66%	$3,539,763
2022	549300OPCWU6E72WUT29	MUTUAL OF OMAHA MORTGAGE, INC.	$4,617,440,000	-50%	$266,442
2022	VLP5AP0XK2GM6GKD1007	Signature Bank	$4,580,520,000	77%	$13,551,834
2022	549300BX448ALT10FI43	The Federal Savings Bank	$4,555,545,000	-54%	$354,490
2022	549300RWXUAFD1WAE410	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	$4,502,300,000	-32%	$282,205
2022	549300WYBPIWKK6SQC06	Bell Bank	$4,492,525,000	-35%	$338,624
2022	54930034MNPILHP25H80	Gateway First Bank	$4,491,140,000	-46%	$243,872
2022	549300O6Z0I6KYMESL47	AMWEST FUNDING CORP.	$4,424,865,000	-45%	$473,501
2022	5493006VAGP3GQ8FJT49	LENDINGHOME FUNDING CORPORATION	$4,409,850,000	41%	$277,140
2022	549300R9S3MVDV4MGF56	Carrington Mortgage Services, LLC	$4,392,015,000	-46%	$215,834
2022	3Y4U8VZURTYWI1W2K376	BMO Harris Bank	$4,384,010,000	43%	$320,656
2022	Q7C315HKI8VX0SSKBS64	BancorpSouth	$4,336,190,000	-3%	$273,577
2022	ZF85QS7OXKPBG52R7N18	Associated Bank	$4,308,735,000	-24%	$395,987
2022	WV0OVGBTLUP1XIUJE722	Webster Bank	$4,288,665,000	30%	$577,442
2022	N8T7HW55LK5D2ORCKP39	First National Bank of Pennsylvania	$4,213,875,000	-11%	$276,012
2022	549300JQALY53TH22D13	JONES LANG LASALLE MULTIFAMILY, LLC	$4,199,220,000	-10%	$24,701,294
2022	549300AT7EB9FJAF0E61	Old National Bank	$4,132,810,000	24%	$377,219
2022	549300F8C5JA44WNMI75	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	$4,107,980,000	-24%	$313,826
2022	1IE8VN30JCEQV1H4R804	HSBC BANK USA, NATIONAL ASSOCIATION	$4,068,395,000	-31%	$1,190,634
2022	549300RBX56T2MW5HO19	CHERRY CREEK MORTGAGE, LLC	$4,031,370,000	-53%	$382,193
2022	54930043BMDE130FJ617	PROVIDENT FUNDING ASSOCIATES, L.P.	$4,007,860,000	-58%	$361,134
2022	549300RN01LBYR8ZVX74	HOMESIDE FINANCIAL, LLC	$3,939,695,000	-48%	$281,830
2022	549300YB1H2FRI6JPM51	LAKE MICHIGAN CREDIT UNION	$3,899,960,000	-32%	$252,261
2022	5493001R92DY5DI1DI85	DRAPER AND KRAMER MORTGAGE CORP.	$3,827,735,000	-59%	$397,935
2022	5493000YNV8IX4VD3X12	VANDERBILT MORTGAGE AND FINANCE, INC.	$3,811,055,000	-13%	$203,963
2022	5493006S869XKIESMV41	MOUNTAIN AMERICA	$3,756,790,000	-5%	$172,758
2022	549300CDOC4F7XSRG390	Pinnacle Bank	$3,755,805,000	-17%	$444,842
2022	5493009V3WNJX9V2GZ85	FirstBank	$3,687,610,000	-8%	$487,135
2022	549300OBO7DOF2KOP535	FirstBank	$3,629,820,000	-50%	$300,681
2022	TR24TWEY5RVRQV65HD49	Santander Bank, N.A.	$3,612,005,000	-25%	$1,474,890
2022	213800QUAI2VH5YM6310	EMBRACE HOME LOANS, INC.	$3,605,855,000	-38%	$389,864
2022	1DU7IM20QESYGDO4HO54	The Northwestern Mutual Life Insurance Company	$3,591,875,000	0%	$58,883,197
2022	549300RFPLMCMJL7BS81	BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC	$3,574,250,000	-12%	$16,246,591
2022	549300C04BJ0G297NC13	Ally Bank	$3,552,215,000	-66%	$448,342
2022	COINQMNIM6RBU631DD85	Arvest Bank	$3,540,670,000	-37%	$205,973
2022	549300JYXTZDSPJEPI44	PLAZA HOME MORTGAGE, INC.	$3,539,445,000	-46%	$303,113
2022	254900TTZ395IC926125	Sierra Pacific Mortgage Company, Inc.	$3,525,735,000	-51%	$336,779
2022	5493008VVXQIDO1EZ460	SUMMIT FUNDING, INC.	$3,447,465,000	-56%	$343,202
2022	549300D003QRZFSQ4N43	Prosperity Bank	$3,430,620,000	7%	$497,335
2022	01KWVG908KE7RKPTNP46	HomeStreet Bank	$3,387,745,000	-23%	$939,214
2022	549300KSOOZZVXCMA627	ANGEL OAK MORTGAGE SOLUTIONS LLC	$3,385,585,000	-6%	$467,687
2022	DX0JX77PRMOELF7VG772	Synovus Bank	$3,370,470,000	-18%	$284,380
2022	B2S31CFVSWTN3FR00Q90	PGIM Real Estate Finance, LLC	$3,360,640,000	0%	$60,011,429
2022	5493002QI2ILHHZH8D20	KBHS HOME LOANS, LLC	$3,344,775,000	3%	$389,063
2022	549300KJ8PAJ7E52HG32	Plains Commerce Bank	$3,307,350,000	-41%	$278,490
2022	CKVBED0S4DMLKJJ5XH28	Stifel Bank and Trust	$3,282,490,000	-28%	$551,123
2022	549300UFNWYY11NLMW19	Hometown Lenders, Inc.	$3,256,425,000	-40%	$276,366
2022	D38AC76TAMYI50NBPX33	Washington Federal Bank	$3,223,225,000	23%	$825,833
2022	5493000EO85W8IS2FR22	LOGIX FEDERAL CREDIT UNION	$3,220,045,000	20%	$446,918
2022	KD3XUN7C6T14HNAYLU02	Goldman Sachs Bank USA	$3,210,275,000	-36%	$2,838,439
2022	549300NWBS6MQJX15N44	NexBank	$3,187,860,000	38%	$622,386
2022	549300ALNLUNS3Y53T24	AMERICAN FINANCING CORPORATION	$3,176,580,000	-59%	$248,637
2022	549300ONBM4MGXXBTA44	AMCAP MORTGAGE, LTD.	$3,160,200,000	-38%	$290,941
2022	549300VQUTI5IU7GXT57	SECURITYNATIONAL MORTGAGE COMPANY	$3,118,145,000	-41%	$312,033
2022	549300UI36AJZ0WZ4U93	South Pacific Financial Corporation	$3,089,500,000	-18%	$450,759
2022	549300Q02LGIN9AXKP98	FIRST TECHNOLOGY	$3,087,110,000	-28%	$396,597
2022	549300GY4NTTEM7WWB64	Bank of England	$3,084,530,000	-44%	$294,945
2022	549300KTR1JGH3K6LU06	Bethpage Federal Credit Union	$3,069,650,000	1%	$295,102
2022	213800XR2TCBQJSF1X93	NBKC BANK	$3,036,725,000	-54%	$392,595
2022	5493002RF1ERFA2XR050	Renasant Bank	$3,033,025,000	-43%	$263,398
2022	549300T0I2M6IPLVEN24	MCLEAN MORTGAGE CORPORATION	$2,994,325,000	-45%	$415,129
2022	549300TINI6CL78UD591	AMERICAN ADVISORS GROUP	$2,969,730,000	-13%	$182,595
2022	5493006HWKBRUZIDS752	CIVIC FINANCIAL SERVICES, LLC	$2,966,400,000	70%	$397,321
2022	5493001PXRJMPLXPG540	IDAHO CENTRAL	$2,963,635,000	-30%	$225,766
2022	549300SUCQ1358EGVE89	NEW DAY FINANCIAL, LLC	$2,959,580,000	-49%	$267,351
2022	5493001NJEVHTZW7FG34	SCHOOLSFIRST	$2,957,405,000	-27%	$231,065
2022	254900WEP08K7U7S3A80	Nations Lending Corporation	$2,946,325,000	-39%	$247,113
2022	549300LXKO1O7CSK5J52	FLAT BRANCH MORTGAGE, INC.	$2,925,560,000	-22%	$204,871
2022	254900KKWIJLOTNP7667	M&T Realty Capital Corporation	$2,925,155,000	-18%	$22,329,427
2022	549300GSCUJKJINRJ980	RUOFF MORTGAGE COMPANY, INC.	$2,914,995,000	-47%	$201,521
2022	549300XQVJ1XBNFA5536	21ST MORTGAGE CORPORATION	$2,912,135,000	7%	$107,741
2022	549300GPO6DWUZR4UY30	FIRST HOME MORTGAGE CORPORATION	$2,867,800,000	-50%	$386,496
2022	54930021WPEXNHYZUL09	PLANET HOME LENDING, LLC	$2,853,695,000	-52%	$306,355
2022	549300DMYENRV818D594	SWBC MORTGAGE CORPORATION	$2,831,155,000	-55%	$320,593
2022	2549004FXPNKCLIN8250	S1L, Inc.	$2,825,890,000	-35%	$401,747
2022	549300ZZME37MXI1EF14	DAS Acquisition Company, LLC	$2,818,450,000	-41%	$233,315
2022	549300RV3BMT6ES6TO70	United Fidelity Bank, fsb	$2,817,150,000	219%	$13,675,485
2022	549300HIVO8XPBPNVG69	NOVA FINANCIAL & INVESTMENT CORPORATION	$2,812,905,000	-58%	$311,265
2022	0K2D5AK28E3O5CC06E35	Silicon Valley Bank	$2,810,095,000	48%	$1,648,150
2022	549300FK3AFCFVAPH234	Leader Bank	$2,796,475,000	-56%	$541,848
2022	70WY0ID1N53Q4254VH70	Comerica Bank	$2,789,380,000	40%	$412,997
2022	549300GRGZDEH4ZGQS06	Waterstone Mortgage Corporation	$2,787,120,000	-34%	$271,385
2022	549300ESRQ6OLBB56N04	Glacier Bank	$2,779,390,000	-22%	$387,102
2022	5493001HHBUTXHS7TZ96	HOMEAMERICAN MORTGAGE CORPORATION	$2,747,710,000	5%	$467,616
2022	549300PIL8LFAQ04XC20	SPRING EQ, LLC	$2,746,485,000	109%	$118,337
2022	5493005JPZ3LXXMB0S24	FBC MORTGAGE, LLC	$2,735,485,000	-47%	$356,508
2022	54930060G4MDPWHISD89	EVERGREEN MONEYSOURCE MORTGAGE COMPANY	$2,725,410,000	-48%	$396,135
2022	C398JSK21YCXWM603F55	Barrington Bank & Trust Company, N.A.	$2,720,370,000	-61%	$286,415
2022	549300W4FT4H1UWPGU95	GREENSTATE CREDIT UNION	$2,697,065,000	-14%	$176,129
2022	549300L8ZRL1FNUUOA59	READYCAP COMMERCIAL, LLC	$2,696,505,000	-25%	$17,857,649
2022	54930049L5WINET09Q97	MID AMERICA MORTGAGE, INC.	$2,658,890,000	-48%	$260,573
2022	549300J7I82PNDVU8H22	OCMBC, INC.	$2,653,695,000	-34%	$426,708
2022	549300BLL6VL7AXWYP56	CHURCHILL MORTGAGE CORPORATION	$2,653,250,000	-44%	$295,792
2022	5493007I0X1GRWIU8B34	AMERICA FIRST	$2,646,930,000	-6%	$127,883
2022	549300ZJIC4LOLZH0M42	THE GOLDEN 1	$2,645,955,000	8%	$389,512
2022	549300HFBEONQN2CK447	Union Savings Bank	$2,625,680,000	-53%	$232,033
2022	T68X8LLAQYRNDV034K14	United Community Bank	$2,590,025,000	-16%	$260,383
2022	54930039UO39UJGI7078	Towne Bank	$2,583,995,000	-44%	$384,009
2022	2549006II76YXSS5XM65	George Mason Mortgage, LLC	$2,583,145,000	-49%	$465,683
2022	5493000BR75YQF0VQC27	HOMESTAR FINANCIAL CORPORATION	$2,525,440,000	-30%	$261,866
2022	549300K4ZLGS7SRDTL86	Equity Prime Mortgage LLC	$2,524,720,000	-32%	$299,067
2022	549300RFSMIRUODUVW59	First Interstate Bank	$2,522,650,000	13%	$384,316
2022	2549005SIVTHG14U2905	A&D Mortgage LLC	$2,516,035,000	18%	$424,218
2022	549300M5KSPQD2HH1N54	First Foundation Bank	$2,512,150,000	17%	$3,806,288
2022	01J4SO3XTWZF4PP38209	Trustmark National Bank	$2,498,130,000	-21%	$186,011
2022	549300UF3FPC7U6RFC59	The Central Trust Bank	$2,465,980,000	-20%	$262,227
2022	6GK3WNTSHBNJOVP1LV97	Ent Credit Union	$2,452,555,000	-10%	$175,823
2022	549300DPRWSBUY619V27	Simmons Bank	$2,451,365,000	49%	$426,399
2022	PAOOWF3GUFM46FBSP561	PHH Mortgage Corporation	$2,445,855,000	-32%	$266,346
2022	549300ZBBGOL4MIK0L71	Three Rivers Federal Credit Union	$2,443,470,000	28%	$722,920
2022	549300J6N77Q8OHYNF23	ENVOY MORTGAGE, LTD	$2,412,765,000	-46%	$316,179
2022	DZC62HF6UIZYJ08V1J90	Fulton Bank	$2,408,895,000	-32%	$301,678
2022	549300SVLCM6NZQ53P14	Amerifirst Financial, Inc.	$2,393,595,000	-38%	$374,526
2022	549300337GB2P1WP7003	Grandbridge Real Estate Capital LLC	$2,369,530,000	-42%	$13,164,056
2022	549300MCPCNPQAOB4032	GMFS LLC	$2,364,020,000	-43%	$262,145
2022	5493007CXTOHZ2JBEJ61	THE MORTGAGE FIRM, INC.	$2,357,560,000	-36%	$296,101
2022	549300PC4MFWQBNVKG88	V.I.P. MORTGAGE, INC.	$2,348,845,000	-52%	$374,199
2022	XJCRTTYJVBMA22IXL619	Bank of Hawaii	$2,333,135,000	-23%	$465,046
2022	254900HA4DQWAE0W3342	AmeriHome Mortgage Company, LLC	$2,330,385,000	-46%	$313,098
2022	549300KHXD7JSQUZIJ22	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	$2,330,225,000	-50%	$315,877
2022	549300S5FVOSK5DQJN30	INTERCAP LENDING INC.	$2,319,995,000	-46%	$386,730
2022	5493006F1N8E3EEF3W63	Fremont Bank	$2,319,105,000	-56%	$383,007
2022	FU7RSW4CQQY98A2O7J66	BOKF	$2,233,785,000	-41%	$295,983
2022	549300BM4NS8HDJT3X28	INTERCOASTAL MORTGAGE COMPANY	$2,190,125,000	-56%	$469,682
2022	5493001FXF3J5C0QWQ87	REVERSE MORTGAGE FUNDING LLC	$2,187,460,000	-9%	$391,597
2022	2549009X2AG1P20YAJ63	Axos Bank	$2,185,005,000	-23%	$1,306,040
2022	549300K6K2IS7FRS7S09	North American Savings Bank, F.S.B.	$2,158,410,000	-63%	$367,077
2022	NSGZD26XPW2CUM2JKU70	Hancock Whitney Bank	$2,123,260,000	-18%	$367,219
2022	X8V2II80XTQHRH7NCB19	Eastern Bank	$2,099,055,000	14%	$415,902
2022	549300NJVKCDJA5YC939	HOMEOWNERS FINANCIAL GROUP USA, LLC	$2,079,345,000	-39%	$333,175
2022	5493007VW2EU20PZYU97	INSPIRE HOME LOANS INC.	$2,051,400,000	-24%	$360,401
2022	549300PXL1KA5TOL2O82	M/I FINANCIAL, LLC	$2,050,845,000	-7%	$385,425
2022	5493000ZB0IHPJ66BJ32	Luther Burbank Savings	$2,041,905,000	2%	$1,449,187
2022	ZXMJHJK466PBZTM5F379	Raymond James Bank	$2,038,525,000	28%	$1,119,454
2022	549300SK2GVCQXPD4S58	SUN WEST MORTGAGE COMPANY, INC.	$2,024,305,000	-77%	$294,959
2022	QGPGHQ1ENZOOLJRFTH41	WesBanco	$2,023,230,000	-1%	$339,696
2022	549300AV8QD552DSI743	NORTHMARQ CAPITAL FINANCE, L.L.C.	$2,019,120,000	33%	$19,414,615
2022	X05BVSK68TQ7YTOSNR22	Discover Bank	$2,016,045,000	60%	$101,304
2022	WE0I402RW25AU38DTI13	Banner Bank	$2,007,900,000	-20%	$388,225
2022	549300UVXY7S004OQL53	Wyndham Capital Mortgage, Inc.	$2,003,945,000	-68%	$348,694
2022	549300MZ8VZJOVC63092	Century Mortgage Company DBA Century Lending Company	$1,995,320,000	102%	$340,382
2022	549300QKL5FUBZ8LSF50	NATIONS DIRECT MORTGAGE, LLC	$1,988,430,000	-41%	$399,604
2022	549300VNBQD8FDHF7563	MORTGAGE INVESTORS GROUP, INC.	$1,982,235,000	-40%	$271,725
2022	5493009BD405QQTMXO12	TBI MORTGAGE COMPANY	$1,969,975,000	-10%	$547,367
2022	549300T94GSH3C4U5M59	ALLIANT CREDIT UNION	$1,968,170,000	-12%	$235,033
2022	5493001XKL0FTNOJ0866	GENEVA FINANCIAL, LLC	$1,967,590,000	-28%	$272,973
2022	549300EM8ID8J7F8OM55	First Heritage Mortgage, LLC	$1,955,640,000	-44%	$420,387
2022	549300JPGMCMBEJEK584	DIGITAL Federal Credit Union	$1,945,015,000	25%	$283,406
2022	254900E6AIE4Z8YQM970	Citadel Servicing Corporation	$1,941,490,000	3%	$427,265
2022	549300GTVXJ2PGXNLM73	T2 FINANCIAL LLC	$1,940,935,000	-17%	$286,908
2022	5493008N1D96CHCTQC27	SECURITY SERVICE	$1,920,505,000	-5%	$240,816
2022	549300YN94MOAVYW0F52	LOANPAL, LLC	$1,920,245,000	-50%	$227,976
2022	549300TM179TSKK3HQ94	THRIVE MORTGAGE, LLC	$1,890,365,000	-31%	$290,870
2022	549300R0SXC1JU7ZU290	FIRST COMMUNITY MORTGAGE, INC.	$1,887,995,000	-40%	$278,178
2022	54930095UWUUXAWASB02	Atlantic Coast Mortgage, LLC	$1,883,860,000	-49%	$436,685
2022	254900UL88QFG0E40516	Figure Lending LLC	$1,875,290,000	91%	$74,322
2022	549300JZD4L02YZI3Z50	NJ LENDERS CORP.	$1,873,295,000	-66%	$434,136
2022	337KMNHEWWWR6B7Q7W10	MidFirst Bank	$1,860,230,000	-6%	$706,238
2022	549300T3F9S1MKFKHC53	HOMESTEAD FUNDING CORP.	$1,859,135,000	-50%	$260,201
2022	549300MHH03ICJYEPE85	LONGBRIDGE FINANCIAL, LLC	$1,851,705,000	54%	$334,787
2022	4EP6JBYBTPTQ47LZOB67	BNY Mellon	$1,850,890,000	-15%	$1,534,735
2022	5493003V40VGM7YDFM54	FIRST COLONY MORTGAGE CORPORATION	$1,839,940,000	-44%	$391,310
2022	549300GDBIZCOI6TMO49	ANGEL OAK HOME LOANS LLC	$1,838,805,000	-33%	$361,329
2022	549300CLRXFVF83ZL806	NATIONWIDE MORTGAGE BANKERS, INC.	$1,832,490,000	-33%	$379,240
2022	254900O723MCLR701H50	Neighborhood Loans, Inc.	$1,832,015,000	-28%	$254,836
2022	254900NTAC4H10MGSU23	Summit Credit Union	$1,813,675,000	-32%	$138,819
2022	549300PBTV7FCWLSMM53	MORTGAGE SOLUTIONS OF COLORADO, LLC	$1,790,815,000	62%	$286,852
2022	549300JGMQJ4R419LR70	ORIX REAL ESTATE CAPITAL, LLC	$1,781,605,000	-27%	$10,542,041
2022	5493002W52M3SYLFEX32	GREYSTONE FUNDING COMPANY LLC	$1,777,130,000	2,808%	$19,745,889
2022	5493000IIYWBLONJVJ30	ROUNDPOINT MORTGAGE SERVICING CORPORATION	$1,768,190,000	-10%	$368,373
2022	549300VJQJVZKJBDWS17	TOTAL MORTGAGE SERVICES, LLC	$1,754,960,000	-43%	$306,062
2022	TKT6FH38184ZYBTPKS77	Rockland Trust Company	$1,752,900,000	-21%	$389,015
2022	LDVFX8JEECFFE8HRWA73	First National Bank of Omaha	$1,741,655,000	-36%	$242,875
2022	2549008LK3474E9U2888	OnPoint Community Credit Union	$1,731,695,000	-41%	$190,820
2022	54930080OKRZ7NNZIO71	AMERIFIRST FINANCIAL CORPORATION	$1,710,105,000	-31%	$232,130
2022	549300CF8MP6S7MZV277	FIRST SAVINGS MORTGAGE CORPORATION	$1,698,355,000	-56%	$610,699
2022	549300RA3E0BUFO7YZ21	Hometown Equity Mortgage, LLC	$1,676,680,000	-37%	$374,593
2022	54930048P8RWCQHQM310	ARC HOME LLC	$1,675,830,000	-60%	$453,417
2022	5493000NYUJT9UC6G261	LEADERONE FINANCIAL CORPORATION	$1,659,055,000	-59%	$261,145
2022	549300DCGBXW5FJMV921	NMSI, INC.	$1,649,705,000	-54%	$538,240
2022	6PTKHDJ8HDUF78PFWH30	The Northern Trust Company	$1,648,785,000	-12%	$2,494,380
2022	549300R77W0P105C3S50	HOMEXPRESS MORTGAGE CORP.	$1,647,920,000	-10%	$429,146
2022	254900FBWEZ3YUPOBN33	LIMA ONE CAPITAL, LLC	$1,645,070,000	37%	$342,580
2022	2549004XJQQPBYQSMT39	Quontic Bank	$1,638,605,000	-10%	$436,379
2022	FT6J43S06X6CLJ0R0B48	Cathay Bank	$1,636,755,000	24%	$818,787
2022	549300YCCZTMBHGTNQ79	Independent Bank	$1,632,585,000	-5%	$828,303
2022	2549008TT6UNYR7AXF54	Sunflower Bank	$1,632,310,000	-30%	$368,301
2022	254900ACUWEGW702BR80	FM Home Loans, LLC	$1,615,275,000	-47%	$605,199
2022	5493004OB0KD7VERQW98	INTERLINC MORTGAGE SERVICES, LLC	$1,589,790,000	-37%	$284,909
2022	GDN5JXQ4P5NZE28ZRC90	City National Bank of Florida	$1,589,065,000	37%	$1,312,192
2022	549300EKFFG3BU8DNX74	NEXERA HOLDING LLC	$1,575,715,000	-17%	$569,879
2022	549300EMNDEK4BA8WB53	EMM LOANS LLC	$1,567,130,000	-36%	$300,793
2022	549300B4IYL7TZT8FA34	PREMIER MORTGAGE RESOURCES, L.L.C.	$1,564,030,000	-35%	$361,375
2022	549300UWA74T8PF7KY34	BNB Bank	$1,562,100,000	113%	$2,702,595
2022	254900A69XJBWUR7ZF46	Mortgage Network, Inc.	$1,561,690,000	-59%	$352,845
2022	549300RYBJHWWDENV610	Alcova Mortgage LLC	$1,559,980,000	-40%	$254,815
2022	5493005LKFCLR81TSN28	Columbia Bank	$1,548,180,000	10%	$539,060
2022	549300370QILXLFUWD20	ZILLOW HOME LOANS, LLC	$1,546,985,000	-62%	$308,841
2022	5493002Y5XYV7DV1ZV88	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	$1,539,790,000	-47%	$307,098
2022	549300VMX06UV1F7NS76	SUCCESS MORTGAGE PARTNERS, INC.	$1,537,865,000	-45%	$251,903
2022	549300Y5Y88FQLI7VE83	DEEPHAVEN MORTGAGE LLC	$1,529,025,000	123%	$433,766
2022	549300623VT8YKPHWM78	ANCHOR LOANS, LP	$1,513,035,000	16%	$548,798
2022	549300E51HYVR7T2SU19	SAN DIEGO COUNTY CREDIT UNION	$1,512,910,000	-10%	$397,716
2022	549300LU6Y2TXG48QY48	RANDOLPH-BROOKS	$1,511,095,000	-4%	$184,889
2022	549300D4ZYLSQ5LMTV35	ABSOLUTE HOME MORTGAGE CORPORATION	$1,508,250,000	-30%	$338,324
2022	549300SELI3XCH3UZW80	FIRST CENTENNIAL MORTGAGE CORPORATION	$1,506,175,000	-58%	$288,043
2022	5493007XQ02VMXYJYJ21	The Cape Cod Five Cents Savings Bank	$1,503,645,000	-7%	$421,780
2022	S0Q3AHZRL5K6VQE35M07	First Merchants Bank	$1,502,025,000	-4%	$252,653
2022	549300LNUJ0IPK43UX33	First Federal Bank of the Midwest	$1,500,455,000	-18%	$249,121
2022	254900CN1DD55MJDFH69	University of Wisconsin Credit Union	$1,498,160,000	-37%	$138,976
2022	54930072OCHTUJOZQB56	EVANSVILLE TEACHERS	$1,492,985,000	-35%	$255,955
2022	549300XCVBRR56D08F03	RESIDENTIAL BANCORP	$1,488,740,000	3%	$317,564
2022	MV4O55SH8HO6KQSGW013	First Financial Bank	$1,484,500,000	-9%	$225,061
2022	549300JKR164SLNO6Y85	NATIONS RELIABLE LENDING, LLC	$1,479,330,000	-43%	$276,924
2022	54930067MGJBFNEN1P47	Elevations Credit Union	$1,478,925,000	-44%	$323,970
2022	VNOO6EITDJ2YUEBMSZ83	UMB Bank	$1,472,965,000	-14%	$527,000
2022	549300DXSALP2TGZBQ16	MISSION	$1,461,935,000	0%	$446,938
2022	549300XQ7B5FIVUNFE29	VAN DYK MORTGAGE CORPORATION	$1,461,545,000	-42%	$282,643
2022	5493005EYZOUVJUXAX38	Lakeview Community Capital, LLC	$1,449,085,000	-69%	$220,594
2022	549300LLKEKXL2RM1F61	CONTOUR MORTGAGE CORPORATION	$1,442,455,000	-34%	$390,380
2022	549300ZWNETGFXTBBY03	CANOPY MORTGAGE, LLC	$1,441,945,000	-61%	$353,852
2022	549300UR5AOWTJJ7KZ64	LENDSURE MORTGAGE CORP.	$1,435,645,000	-5%	$446,824
2022	6UHRKD73G36IZYN3FC43	Customers Bank	$1,432,040,000	165%	$3,008,487
2022	549300TA4MQM8WN2XG31	VELOCITY COMMERCIAL CAPITAL, LLC	$1,425,545,000	37%	$406,718
2022	549300KWXO8FUM7L0E14	Liberty Bank	$1,423,330,000	35%	$551,251
2022	254900JXCS783CPF1D02	RCN Capital, LLC	$1,420,380,000	18%	$229,464
2022	549300MMIZD8222YV754	First Guaranty Mortgage Corporation	$1,401,670,000	-78%	$294,840
2022	WKN6AF1FCL7BBYGTGI83	First Savings Bank	$1,401,285,000	-54%	$296,945
2022	549300C61LNGA8J8EF85	Capitol Federal Savings Bank	$1,398,640,000	-15%	$351,241
2022	549300MFY0P4D234OB91	HOMESPIRE MORTGAGE CORPORATION	$1,395,250,000	-53%	$328,758
2022	549300QR0KFPEDZPEI42	STOCKTON MORTGAGE CORPORATION	$1,390,110,000	-44%	$229,240
2022	549300JEBULFT3BSU682	Bangor Savings Bank	$1,375,715,000	-24%	$277,866
2022	254900QRD0ZXHH08TX87	Network Funding, L.P.	$1,375,160,000	-42%	$321,750
2022	WWJYKHS2UNKSDW8XLB53	First Hawaiian Bank	$1,370,010,000	-28%	$427,327
2022	LVR1UQE8OOCO93IHEB52	Northwest Bank	$1,367,570,000	-23%	$189,257
2022	VN1JLT1F3FLLVN3FZG89	First Commonwealth Bank	$1,366,040,000	-13%	$186,720
2022	5493006TY8FGNLX44X28	AXIA FINANCIAL, LLC	$1,359,530,000	-46%	$370,848
2022	Q708HHR4LD2B7XIZNO92	First Federal Bank	$1,358,765,000	-62%	$306,511
2022	549300N6U5XCH70TOK35	Kearny Bank	$1,339,095,000	28%	$1,319,305
2022	549300MSU5WVAU4ZN645	Dollar Bank, Federal Savings Bank	$1,332,545,000	-25%	$202,977
2022	549300BEFX6JRSCS5N78	Centennial Bank	$1,320,245,000	29%	$372,005
2022	549300NQA30MEKPQP417	Sandy Spring Bank	$1,318,765,000	-43%	$451,787
2022	549300IKS3MMB5YK6T18	KINECTA	$1,315,175,000	-13%	$494,241
2022	254900VHUBSJJKOMBF27	Golden Empire Mortgage, Inc.	$1,312,780,000	-64%	$348,773
2022	549300ZN5MIVRMVHJS09	BANKSOUTH MORTGAGE COMPANY, LLC	$1,306,355,000	-35%	$348,826
2022	254900F9ZTVTX763V835	Advisors Mortgage Group, L.L.C.	$1,300,155,000	-55%	$326,754
2022	549300BES7HNVKCDIM50	American Savings Bank, FSB	$1,297,400,000	-21%	$345,789
2022	254900HQK1GFTN5BRG15	Chicago Mortgage Solutions LLC	$1,297,330,000	-68%	$343,209
2022	549300T7AIY7RU1YDP31	NBH Bank	$1,297,265,000	-41%	$369,065
2022	549300OPB0G5OMY0SM65	NEW WAVE LENDING GROUP INC	$1,283,295,000	-58%	$562,602
2022	549300HCNXMTNGIMAR91	United Nations Federal Credit Union	$1,279,060,000	4%	$585,650
2022	549300KER3YVZ3U5RK57	VERIDIAN CREDIT UNION	$1,272,380,000	-19%	$147,096
2022	G5AHTAP80NWA3Q8RDC78	Frost Bank	$1,268,605,000	41%	$193,002
2022	FDXQ75GPEQKRPWABYN63	CIBC Bank USA	$1,256,165,000	-1%	$1,690,666
2022	254900O2K17TNH5CL873	RF Renovo Management Company, LLC	$1,253,465,000	71%	$575,248
2022	254900VELJPWWT51WN03	General Mortgage Capital Corporation	$1,251,370,000	-70%	$552,725
2022	549300IVURCTJ6QVMD67	First Financial Bank	$1,242,575,000	-20%	$280,175
2022	549300EM6UG8HE3P8U74	PATELCO	$1,236,395,000	-45%	$272,634
2022	254900O28OG3UMHXQY81	Strong Home Mortgage, LLC	$1,235,505,000	-76%	$386,216
2022	549300CB67L6KPJLHE19	TRIAD FINANCIAL SERVICES, INC.	$1,229,975,000	31%	$95,621
2022	549300CR5XDK0TP7I727	OPEN MORTGAGE, LLC	$1,221,680,000	-35%	$264,090
2022	549300NFPC3Y4W3Y7R87	CALCON MUTUAL MORTGAGE LLC	$1,211,145,000	-34%	$375,316
2022	549300ZJ3ZL66QGSGO48	Lakeland Bank	$1,210,650,000	53%	$539,025
2022	549300EHQ0Y7SP41BR91	ATHAS CAPITAL GROUP, INC.	$1,202,580,000	18%	$418,726
2022	549300TOOOOW36EX6R40	Suncoast Credit Union	$1,200,910,000	-6%	$138,258
2022	5493006JISETNI0GLE61	Farm Credit Mid-America, ACA	$1,198,910,000	-31%	$343,330
2022	549300GUS13Z72B6KD63	KELLER MORTGAGE, LLC	$1,193,310,000	-71%	$302,257
2022	5493004F7BXDIUFVPV87	STAR ONE CREDIT UNION	$1,191,000,000	-13%	$467,425
2022	635400IW1QMK3FNFF894	Meridian Bank Corporation	$1,188,220,000	-50%	$336,416
2022	549300TWPFOYZ33TOU32	MANN FINANCIAL INC.	$1,173,490,000	-53%	$326,695
2022	549300DG3IV05V4C4E03	EUSTIS AND AMERICAN MORTGAGE COMPANY	$1,172,565,000	-13%	$252,981
2022	5493004N9PMBSLEZOF16	K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.	$1,166,850,000	-21%	$404,594
2022	549300KY533JFETOYG46	Landmark Credit Union	$1,165,450,000	-36%	$145,318
2022	549300LR1ZETOWYE9Z89	Berkshire Bank	$1,164,970,000	104%	$711,215
2022	549300IWE0Y507LPF493	MORTGAGE 1 INCORPORATED	$1,161,005,000	-42%	$209,228
2022	254900XN7UWEWK13RO81	Premium Mortgage Corporation	$1,158,090,000	-20%	$216,062
2022	5493008L9O5NV7EAK360	BELLCO	$1,150,395,000	-8%	$196,884
2022	549300YW2UBCMDRMBT48	RELIANCE FIRST CAPITAL, LLC	$1,137,480,000	-29%	$224,976
2022	5493005HCI0Y8LUK5S48	GUARANTY HOME MORTGAGE CORPORATION	$1,129,280,000	-54%	$296,710
2022	549300VCMRO4ST680C11	VILLAGE CAPITAL MORTGAGE	$1,125,945,000	-83%	$235,504
2022	549300FOXIQQV5UZD367	SOUTHERN TRUST MORTGAGE, LLC	$1,116,900,000	-52%	$336,213
2022	549300NTH6N72ZZNX948	Pacific Premier Bank	$1,113,760,000	-44%	$2,915,602
2022	549300OQMU3ID8QA6M46	VELOCIO MORTGAGE L.L.C.	$1,107,090,000	13%	$358,746
2022	254900L67A0ZTJRS6614	First Bank	$1,101,065,000	-6%	$418,179
2022	OYWNLMHNBQQ7BAH3EE86	Alpine Bank	$1,094,635,000	-3%	$474,896
2022	549300E8HNQO52YYHI82	American Security Mortgage Corp.	$1,092,510,000	-43%	$370,342
2022	549300REENMLD2RN3W58	Magnolia Bank	$1,086,000,000	-46%	$263,464
2022	549300MRP46SVQMWOE81	COASTAL Federal Credit Union	$1,085,855,000	2%	$189,338
2022	5493005RDTT7HVODH436	Community Bank	$1,084,100,000	16%	$184,120
2022	2549005Q4HZ55QX7YC64	Watermark Capital, Inc.	$1,077,635,000	-68%	$419,476
2022	549300TK6RZQSFXZHV09	MICHIGAN MUTUAL, INC.	$1,067,165,000	-54%	$253,303
2022	20TVKH7M13MUBGE80C53	Independent Bank	$1,066,700,000	-43%	$284,605
2022	54930091JQKCU3Z6IP44	LENDINGONE, LLC	$1,066,095,000	10%	$351,036
2022	549300HVW3AI97UKTO72	WINGS FINANCIAL	$1,065,795,000	-22%	$205,554
2022	549300G4JDIJPBEO8J84	BECKAM FUNDING CORP.	$1,065,600,000	27%	$488,807
2022	54930020YWIK7HGH2R34	SFMC, LP	$1,060,215,000	-32%	$320,210
2022	5493007XAKU2Q6LGXD23	UNIVERSITY Federal Credit Union	$1,055,870,000	-24%	$379,264
2022	549300XSS1CPK8G7B851	ServisFirst Bank	$1,055,590,000	14%	$841,778
2022	549300NB3SBC1KHAWB92	GERSHMAN INVESTMENT CORP.	$1,055,305,000	-42%	$219,626
2022	549300LH06ZZHKPX5U83	BNC National Bank	$1,050,550,000	-55%	$396,733
2022	549300ZTT08EKQRVTR15	Atlantic Union Bank	$1,040,940,000	-23%	$238,967
2022	549300HFXTV55C2HHM89	DESERT FINANCIAL FEDERAL CREDIT UNION	$1,040,285,000	88%	$114,683
2022	549300QVQQMJ9IWR0G78	CERTAINTY HOME LOANS, LLC	$1,037,340,000	-40%	$275,156
2022	549300LG07PXWSIMC813	TRUSTONE FINANCIAL FEDERAL CREDIT UNION	$1,035,815,000	-24%	$161,066
2022	54930082GM1TWV6QVI24	Bremer Bank	$1,030,440,000	-35%	$302,005
2022	549300DAUXQ2DCY4H838	HARBORONE MORTGAGE, LLC	$1,025,110,000	-58%	$443,003
2022	5493005ICQ3QGEIWV618	UNITED MORTGAGE CORP	$1,023,025,000	-47%	$358,579
2022	MCXHCL35UUWDZK7NCQ61	S&T Bank	$1,012,845,000	-7%	$258,181
2022	549300G2LV8W3C1G3762	EQUITY RESOURCES, INC.	$1,010,595,000	-55%	$243,928
2022	549300S8SHBRCI7UU819	Baxter Credit Union	$1,001,060,000	-46%	$236,881
2022	549300MQEDQYDJR8CP22	COREVEST AMERICAN FINANCE LENDER LLC	$1,000,335,000	-65%	$4,609,839

Mortgage Originations by Market, Annual Totals

Zoom/scroll map to see metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

If you're still reading this far down and haven't gotten drawn into the ploys of cartography, you surely won't be surprised to hear that only 11 out of 941 metros had YoY increases in origination volume-- 10 of the 11 were small metros with <1k loans originated-- Aberdeen, WA was the largest market with only a 1% increase in origination value, driven by a huge increase in originations to offset the 40% decrease in average origination value. Count of markets down >30%, down >50%. Top performing, worst performing.

Takeaways

36 metros saw origination value decrease by 50%+
395 metros saw 33%+ decrease
657 metros saw 25%+ decrease

In terms of geographies, 9 of the top 10 percentage decreasing metros were in California-- but the top contracting market was Ames, IA at -61% (albeit with a 48% YoY increase in average origination size).

Year	Market	Originations	(% vs PY)	Value	(vs PY)	Average Origination Value
2022	Aberdeen, SD	816	-33%	$201,440,000	-22%	$246,863
2022	Aberdeen, WA	2,723	-39%	$1,064,295,000	1%	$390,854
2022	ABILENE, TX	3,759	-34%	$822,185,000	-30%	$218,724
2022	Ada, OK	691	-27%	$118,525,000	-31%	$171,527
2022	Adrian, MI	2,745	-36%	$547,885,000	-22%	$199,594
2022	AGUADILLA-ISABELA, PR	1,048	-22%	$154,060,000	-18%	$147,004
2022	AKRON, OH	20,213	-35%	$3,924,935,000	-30%	$194,179
2022	Alamogordo, NM	1,220	-31%	$232,000,000	-30%	$190,164
2022	ALBANY, GA	2,556	-26%	$494,020,000	-24%	$193,279
2022	ALBANY-LEBANON, OR	3,844	-47%	$1,141,910,000	-40%	$297,063
2022	ALBANY-SCHENECTADY-TROY, NY	22,628	-30%	$5,450,800,000	-25%	$240,887
2022	Albemarle, NC	2,466	-19%	$507,400,000	-14%	$205,758
2022	Albert Lea, MN	570	-42%	$83,670,000	-39%	$146,789
2022	Albertville, AL	2,469	-27%	$502,885,000	-24%	$203,680
2022	ALBUQUERQUE, NM	23,804	-45%	$6,090,450,000	-39%	$255,858
2022	Alexander City, AL	1,225	-35%	$344,405,000	-33%	$281,147
2022	ALEXANDRIA, LA	2,742	-32%	$482,240,000	-36%	$175,872
2022	Alexandria, MN	903	-51%	$224,875,000	-50%	$249,031
2022	Alice, TX	404	-28%	$76,430,000	-27%	$189,183
2022	ALLENTOWN-BETHLEHEM-EASTON, PA-NJ	22,654	-38%	$5,205,640,000	-37%	$229,789
2022	Alma, MI	804	-33%	$106,590,000	-30%	$132,575
2022	Alpena, MI	338	-36%	$45,690,000	-37%	$135,178
2022	ALTOONA, PA	2,950	-24%	$429,670,000	-30%	$145,651
2022	Altus, OK	451	-27%	$81,235,000	-25%	$180,122
2022	AMARILLO, TX	5,900	-34%	$1,373,100,000	-27%	$232,729
2022	Americus, GA	432	-23%	$60,280,000	-25%	$139,537
2022	AMES, IA	2,653	-42%	$566,815,000	-61%	$213,651
2022	Amsterdam, NY	892	-21%	$121,740,000	-22%	$136,480
2022	ANCHORAGE, AK	9,465	-56%	$3,101,905,000	-53%	$327,724
2022	Andrews, TX	292	-35%	$63,990,000	-35%	$219,144
2022	Angola, IN	1,183	-34%	$249,015,000	-33%	$210,495
2022	ANN ARBOR, MI	8,517	-49%	$2,728,765,000	-44%	$320,390
2022	ANNISTON-OXFORD, AL	2,376	-31%	$385,840,000	-29%	$162,391
2022	APPLETON, WI	8,108	-41%	$1,594,290,000	-37%	$196,632
2022	Arcadia, FL	517	-30%	$112,925,000	-21%	$218,424
2022	Ardmore, OK	1,178	-21%	$198,970,000	-23%	$168,905
2022	Arecibo, PR	628	-29%	$72,150,000	-30%	$114,889
2022	Arkadelphia, AR	351	-19%	$58,955,000	-9%	$167,963
2022	ASHEVILLE, NC	14,735	-40%	$4,695,155,000	-32%	$318,640
2022	Ashland, OH	1,341	-28%	$202,015,000	-23%	$150,645
2022	Ashtabula, OH	2,094	-33%	$298,120,000	-31%	$142,369
2022	Astoria, OR	1,407	-47%	$499,705,000	-41%	$355,156
2022	Atchison, KS	320	-28%	$44,400,000	-31%	$138,750
2022	Athens, OH	626	-23%	$138,590,000	-3%	$221,390
2022	Athens, TN	1,435	-24%	$276,805,000	-19%	$192,895
2022	Athens, TX	2,152	-23%	$639,620,000	-14%	$297,221
2022	ATHENS-CLARKE COUNTY, GA	4,701	-42%	$1,338,545,000	-36%	$284,736
2022	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	182,317	-42%	$61,882,325,000	-33%	$339,422
2022	ATLANTIC CITY-HAMMONTON, NJ	6,901	-42%	$1,957,625,000	-36%	$283,673
2022	Atmore, AL	572	-17%	$84,780,000	-13%	$148,217
2022	Auburn, IN	1,362	-34%	$211,240,000	-42%	$155,095
2022	Auburn, NY	1,402	-20%	$202,390,000	-22%	$144,358
2022	AUBURN-OPELIKA, AL	4,990	-36%	$1,452,460,000	-27%	$291,074
2022	AUGUSTA-RICHMOND COUNTY, GA-SC	15,728	-36%	$3,931,600,000	-30%	$249,975
2022	Augusta-Waterville, ME	3,549	-31%	$704,395,000	-28%	$198,477
2022	Austin, MN	838	-42%	$125,270,000	-48%	$149,487
2022	AUSTIN-ROUND ROCK-GEORGETOWN, TX	72,185	-42%	$33,688,705,000	-28%	$466,700
2022	Bainbridge, GA	411	-18%	$74,755,000	-12%	$181,886
2022	BAKERSFIELD, CA	19,401	-47%	$5,433,435,000	-40%	$280,060
2022	BALTIMORE-COLUMBIA-TOWSON, MD	71,946	-52%	$23,460,960,000	-52%	$326,091
2022	BANGOR, ME	3,846	-30%	$721,760,000	-26%	$187,665
2022	Baraboo, WI	1,851	-38%	$358,105,000	-36%	$193,466
2022	Bardstown, KY	1,230	-38%	$233,950,000	-34%	$190,203
2022	BARNSTABLE TOWN, MA	10,472	-46%	$4,259,250,000	-42%	$406,727
2022	Barre, VT	1,601	-33%	$362,335,000	-34%	$226,318
2022	Bartlesville, OK	1,238	-23%	$219,930,000	-17%	$177,649
2022	Batavia, NY	1,219	-18%	$170,155,000	-12%	$139,586
2022	Batesville, AR	1,176	-21%	$164,730,000	-21%	$140,077
2022	BATON ROUGE, LA	19,126	-40%	$4,996,970,000	-34%	$261,266
2022	BATTLE CREEK, MI	3,558	-31%	$539,760,000	-32%	$151,703
2022	BAY CITY, MI	2,496	-35%	$332,540,000	-34%	$133,229
2022	Bay City, TX	505	-35%	$133,315,000	-16%	$263,990
2022	Beatrice, NE	513	-27%	$76,875,000	-28%	$149,854
2022	BEAUMONT-PORT ARTHUR, TX	6,728	-28%	$1,414,160,000	-21%	$210,190
2022	Beaver Dam, WI	2,504	-43%	$412,480,000	-43%	$164,728
2022	BECKLEY, WV	1,719	-29%	$256,135,000	-27%	$149,002
2022	Bedford, IN	1,238	-14%	$187,040,000	-20%	$151,082
2022	Beeville, TX	256	-31%	$45,240,000	-32%	$176,719
2022	Bellefontaine, OH	1,226	-29%	$230,190,000	-19%	$187,757
2022	BELLINGHAM, WA	6,131	-53%	$3,469,275,000	-27%	$565,858
2022	Bemidji, MN	657	-42%	$116,535,000	-48%	$177,374
2022	BEND, OR	8,839	-50%	$3,675,275,000	-45%	$415,802
2022	Bennettsville, SC	192	-28%	$26,680,000	-23%	$138,958
2022	Bennington, VT	686	-32%	$202,790,000	-23%	$295,612
2022	Berlin, NH	788	-26%	$145,630,000	-21%	$184,810
2022	Big Rapids, MI	1,114	-33%	$175,730,000	-33%	$157,747
2022	Big Spring, TX	507	-16%	$108,695,000	-1%	$214,389
2022	Big Stone Gap, VA	490	-23%	$61,520,000	-26%	$125,551
2022	BILLINGS, MT	5,511	-42%	$1,569,795,000	-33%	$284,848
2022	BINGHAMTON, NY	4,324	-23%	$620,200,000	-23%	$143,432
2022	BIRMINGHAM-HOOVER, AL	30,418	-38%	$7,425,710,000	-38%	$244,122
2022	BISMARCK, ND	3,491	-44%	$911,315,000	-43%	$261,047
2022	Blackfoot, ID	1,468	-41%	$319,710,000	-41%	$217,786
2022	BLACKSBURG-CHRISTIANSBURG, VA	3,287	-39%	$747,625,000	-42%	$227,449
2022	BLOOMINGTON, IL	4,003	-40%	$760,865,000	-37%	$190,074
2022	BLOOMINGTON, IN	3,982	-38%	$1,098,360,000	-28%	$275,831
2022	BLOOMSBURG-BERWICK, PA	1,730	-30%	$332,740,000	-23%	$192,335
2022	Bluefield, WV-VA	1,382	-31%	$210,960,000	-28%	$152,648
2022	Bluffton, IN	919	-29%	$129,225,000	-33%	$140,615
2022	Blytheville, AR	512	-15%	$69,280,000	-12%	$135,313
2022	Bogalusa, LA	578	-26%	$84,570,000	-30%	$146,315
2022	BOISE CITY, ID	32,281	-50%	$10,724,965,000	-43%	$332,238
2022	Bonham, TX	872	-22%	$223,330,000	-8%	$256,112
2022	Boone, NC	1,710	-38%	$604,120,000	-40%	$353,287
2022	Borger, TX	353	-15%	$44,625,000	-20%	$126,416
2022	Boston-Cambridge-Newton, MA-NH	120,702	-52%	$58,981,120,000	-46%	$488,651
2022	BOULDER, CO	9,562	-56%	$4,574,240,000	-52%	$478,377
2022	BOWLING GREEN, KY	5,069	-30%	$1,366,975,000	-14%	$269,674
2022	Bozeman, MT	3,561	-51%	$2,257,935,000	-29%	$634,073
2022	Bradford, PA	459	-25%	$51,235,000	-24%	$111,623
2022	Brainerd, MN	3,072	-46%	$834,700,000	-41%	$271,712
2022	Branson, MO	1,724	-21%	$393,270,000	-13%	$228,115
2022	Breckenridge, CO	2,041	-56%	$1,417,605,000	-46%	$694,564
2022	BREMERTON-SILVERDALE-PORT ORCHARD, WA	9,669	-49%	$6,297,765,000	-9%	$651,336
2022	Brenham, TX	758	-24%	$246,520,000	-14%	$325,224
2022	Brevard, NC	1,097	-37%	$368,005,000	-19%	$335,465
2022	BRIDGEPORT-STAMFORD-NORWALK, CT	23,064	-46%	$13,518,350,000	-41%	$586,123
2022	Brookhaven, MS	545	-25%	$78,885,000	-33%	$144,743
2022	Brookings, OR	607	-47%	$168,315,000	-46%	$277,290
2022	Brookings, SD	540	-47%	$128,540,000	-41%	$238,037
2022	Brownsville, TN	258	-9%	$41,240,000	3%	$159,845
2022	BROWNSVILLE-HARLINGEN, TX	4,535	-30%	$1,033,235,000	-18%	$227,836
2022	Brownwood, TX	527	-17%	$113,045,000	-10%	$214,507
2022	BRUNSWICK, GA	3,032	-42%	$998,090,000	-37%	$329,185
2022	Bucyrus-Galion, OH	893	-16%	$104,925,000	-14%	$117,497
2022	BUFFALO-CHEEKTOWAGA, NY	24,593	-27%	$5,109,575,000	-23%	$207,765
2022	Burley, ID	1,395	-27%	$288,015,000	-22%	$206,462
2022	Burlington, IA-IL	737	-33%	$101,875,000	-26%	$138,229
2022	BURLINGTON, NC	5,414	-31%	$1,142,780,000	-28%	$211,079
2022	BURLINGTON-SOUTH BURLINGTON, VT	6,464	-41%	$1,801,160,000	-37%	$278,645
2022	Butte-Silver Bow, MT	848	-41%	$183,200,000	-35%	$216,038
2022	Cadillac, MI	1,280	-29%	$188,180,000	-30%	$147,016
2022	Calhoun, GA	1,592	-27%	$314,870,000	-27%	$197,783
2022	CALIFORNIA-LEXINGTON PARK, MD	3,265	-55%	$1,102,925,000	-50%	$337,802
2022	Cambridge, MD	905	-31%	$203,445,000	-30%	$224,801
2022	Cambridge, OH	901	-20%	$121,455,000	-22%	$134,800
2022	Camden, AR	391	-25%	$46,735,000	-39%	$119,527
2022	Campbellsville, KY	587	-22%	$86,955,000	-12%	$148,135
2022	Cañon City, CO	1,546	-39%	$353,320,000	-38%	$228,538
2022	CANTON-MASSILLON, OH	11,180	-33%	$1,795,400,000	-33%	$160,590
2022	CAPE CORAL-FORT MYERS, FL	29,572	-38%	$9,637,420,000	-29%	$325,897
2022	CAPE GIRARDEAU, MO-IL	2,215	-39%	$459,505,000	-32%	$207,451
2022	CARBONDALE-MARION, IL	2,244	-29%	$366,930,000	-22%	$163,516
2022	Carlsbad-Artesia, NM	1,073	-34%	$231,165,000	-31%	$215,438
2022	Carroll, IA	321	-37%	$46,525,000	-39%	$144,938
2022	CARSON CITY, NV	1,441	-53%	$449,475,000	-55%	$311,919
2022	CASPER, WY	2,297	-42%	$483,725,000	-43%	$210,590
2022	Cedar City, UT	2,543	-36%	$672,495,000	-31%	$264,449
2022	CEDAR RAPIDS, IA	10,628	-33%	$1,724,450,000	-35%	$162,255
2022	Cedartown, GA	962	-23%	$181,570,000	-16%	$188,742
2022	Celina, OH	515	-34%	$82,425,000	-33%	$160,049
2022	Central City, KY	610	-16%	$76,020,000	-18%	$124,623
2022	Centralia, IL	583	-31%	$68,495,000	-30%	$117,487
2022	Centralia, WA	2,900	-40%	$796,910,000	-37%	$274,797
2022	CHAMBERSBURG-WAYNESBORO, PA	4,144	-39%	$798,760,000	-36%	$192,751
2022	CHAMPAIGN-URBANA, IL	4,168	-34%	$1,123,340,000	-17%	$269,515
2022	CHARLESTON, WV	4,120	-27%	$656,410,000	-24%	$159,323
2022	Charleston-Mattoon, IL	639	-28%	$84,145,000	-27%	$131,682
2022	CHARLESTON-NORTH CHARLESTON, SC	29,948	-44%	$11,785,320,000	-36%	$393,526
2022	CHARLOTTE-CONCORD-GASTONIA, NC-SC	96,012	-41%	$31,976,520,000	-32%	$333,047
2022	CHARLOTTESVILLE, VA	5,944	-46%	$2,027,540,000	-44%	$341,107
2022	CHATTANOOGA, TN-GA	17,491	-32%	$4,851,385,000	-22%	$277,365
2022	CHEYENNE, WY	3,700	-45%	$962,190,000	-44%	$260,051
2022	Chicago-Naperville-Elgin, IL-IN-WI	207,649	-51%	$64,116,295,000	-47%	$308,772
2022	CHICO, CA	4,403	-52%	$1,364,215,000	-51%	$309,838
2022	Chillicothe, OH	1,497	-36%	$240,085,000	-38%	$160,377
2022	CINCINNATI, OH-KY-IN	69,393	-40%	$15,936,715,000	-37%	$229,659
2022	Clarksburg, WV	1,513	-30%	$265,265,000	-32%	$175,324
2022	Clarksdale, MS	152	-18%	$16,190,000	-31%	$106,513
2022	CLARKSVILLE, TN-KY	12,220	-30%	$3,391,270,000	-21%	$277,518
2022	Clearlake, CA	1,617	-46%	$404,745,000	-49%	$250,306
2022	Cleveland, MS	330	-28%	$48,930,000	-32%	$148,273
2022	CLEVELAND, TN	3,422	-29%	$767,940,000	-25%	$224,413
2022	CLEVELAND-ELYRIA, OH	57,646	-36%	$11,402,610,000	-37%	$197,804
2022	Clewiston, FL	976	-6%	$218,430,000	5%	$223,801
2022	Clinton, IA	969	-27%	$141,385,000	-25%	$145,908
2022	Clovis, NM	1,042	-34%	$209,400,000	-28%	$200,960
2022	Coamo, PR	106	-27%	$12,210,000	-27%	$115,189
2022	Coco, PR	89	-24%	$8,995,000	-15%	$101,067
2022	Coffeyville, KS	478	-13%	$59,320,000	-8%	$124,100
2022	Coldwater, MI	1,015	-26%	$189,165,000	-12%	$186,369
2022	COLLEGE STATION-BRYAN, TX	5,083	-36%	$1,743,805,000	-17%	$343,066
2022	COLORADO SPRINGS, CO	33,367	-46%	$11,443,125,000	-42%	$342,947
2022	COLUMBIA, MO	5,143	-39%	$1,437,785,000	-25%	$279,562
2022	COLUMBIA, SC	23,907	-39%	$5,711,415,000	-33%	$238,901
2022	COLUMBUS, GA-AL	6,375	-39%	$1,521,055,000	-33%	$238,597
2022	COLUMBUS, IN	2,698	-38%	$551,580,000	-32%	$204,440
2022	Columbus, MS	1,154	-29%	$206,500,000	-28%	$178,943
2022	Columbus, NE	706	-38%	$160,140,000	-22%	$226,827
2022	COLUMBUS, OH	64,819	-40%	$18,058,735,000	-33%	$278,602
2022	Concord, NH	4,376	-43%	$1,202,090,000	-38%	$274,701
2022	Connersville, IN	645	-16%	$70,675,000	-19%	$109,574
2022	Cookeville, TN	2,733	-17%	$602,805,000	-13%	$220,565
2022	Coos Bay, OR	1,743	-38%	$430,355,000	-38%	$246,905
2022	Cordele, GA	287	-19%	$47,145,000	-26%	$164,268
2022	Corinth, MS	528	-31%	$77,180,000	-31%	$146,174
2022	Cornelia, GA	1,158	-34%	$292,930,000	-17%	$252,962
2022	Corning, NY	1,948	-18%	$286,050,000	-13%	$146,843
2022	CORPUS CHRISTI, TX	8,092	-33%	$2,446,400,000	-15%	$302,323
2022	Corsicana, TX	960	-22%	$229,800,000	-17%	$239,375
2022	Cortland, NY	813	-20%	$113,565,000	-20%	$139,686
2022	CORVALLIS, OR	1,968	-51%	$653,380,000	-51%	$332,002
2022	Coshocton, OH	570	-31%	$79,530,000	-28%	$139,526
2022	Craig, CO	390	-43%	$82,250,000	-38%	$210,897
2022	Crawfordsville, IN	1,158	-33%	$176,100,000	-34%	$152,073
2022	Crescent City, CA	476	-46%	$127,940,000	-47%	$268,782
2022	CRESTVIEW-FORT WALTON BEACH-DESTIN, FL	13,996	-36%	$6,578,140,000	-24%	$470,001
2022	Crossville, TN	1,572	-33%	$325,300,000	-32%	$206,934
2022	Cullman, AL	2,218	-27%	$478,010,000	-19%	$215,514
2022	Cullowhee, NC	1,535	-36%	$580,345,000	-23%	$378,075
2022	CUMBERLAND, MD-WV	1,929	-28%	$261,605,000	-34%	$135,617
2022	Dallas-Fort Worth-Arlington, TX	187,738	-40%	$76,504,810,000	-24%	$407,508
2022	DALTON, GA	2,749	-30%	$505,805,000	-27%	$183,996
2022	DANVILLE, IL	1,049	-29%	$109,605,000	-32%	$104,485
2022	Danville, KY	1,072	-32%	$176,550,000	-30%	$164,692
2022	Danville, VA	1,596	-33%	$290,960,000	-23%	$182,306
2022	DAPHNE-FAIRHOPE-FOLEY, AL	10,952	-34%	$3,378,860,000	-25%	$308,515
2022	DAVENPORT-MOLINE-ROCK ISLAND, IA-IL	10,753	-35%	$1,721,435,000	-39%	$160,089
2022	Dayton, TN	806	-22%	$169,710,000	-15%	$210,558
2022	DAYTON-KETTERING, OH	22,153	-38%	$4,406,695,000	-31%	$198,921
2022	DECATUR, AL	3,995	-27%	$769,105,000	-17%	$192,517
2022	DECATUR, IL	1,795	-32%	$221,845,000	-35%	$123,591
2022	Decatur, IN	907	-19%	$122,045,000	-20%	$134,559
2022	Defiance, OH	859	-31%	$111,565,000	-34%	$129,878
2022	Del Rio, TX	715	-34%	$152,175,000	-24%	$212,832
2022	DELTONA-DAYTONA BEACH-ORMOND BEACH, FL	24,720	-37%	$6,824,510,000	-27%	$276,072
2022	Deming, NM	238	-27%	$32,250,000	-27%	$135,504
2022	DENVER-AURORA-LAKEWOOD, CO	113,510	-51%	$47,365,810,000	-46%	$417,283
2022	DeRidder, LA	768	-34%	$139,380,000	-30%	$181,484
2022	DES MOINES-WEST DES MOINES, IA	25,466	-38%	$6,002,960,000	-35%	$235,724
2022	Detroit-Warren-Dearborn, MI	114,466	-45%	$25,068,520,000	-46%	$219,004
2022	Dickinson, ND	771	-49%	$214,055,000	-39%	$277,633
2022	Dixon, IL	498	-32%	$65,670,000	-34%	$131,867
2022	Dodge City, KS	373	-40%	$64,655,000	-30%	$173,338
2022	DOTHAN, AL	3,485	-33%	$655,735,000	-29%	$188,159
2022	Douglas, GA	420	-43%	$70,840,000	-44%	$168,667
2022	DOVER, DE	5,854	-42%	$1,428,670,000	-41%	$244,050
2022	Dublin, GA	897	-28%	$159,485,000	-53%	$177,798
2022	DuBois, PA	1,816	-14%	$218,570,000	-19%	$120,358
2022	DUBUQUE, IA	3,101	-42%	$519,955,000	-46%	$167,673
2022	DULUTH, MN-WI	6,944	-43%	$1,479,390,000	-35%	$213,046
2022	Dumas, TX	254	-30%	$43,260,000	-27%	$170,315
2022	Duncan, OK	965	-15%	$133,685,000	-11%	$138,534
2022	Durango, CO	1,769	-52%	$750,455,000	-47%	$424,226
2022	Durant, OK	1,156	-17%	$220,160,000	-12%	$190,450
2022	DURHAM-CHAPEL HILL, NC	20,076	-41%	$6,374,040,000	-36%	$317,496
2022	Dyersburg, TN	649	-22%	$92,775,000	-27%	$142,951
2022	Eagle Pass, TX	547	-23%	$95,305,000	-22%	$174,232
2022	Easton, MD	1,020	-53%	$473,350,000	-45%	$464,069
2022	EAST STROUDSBURG, PA	5,820	-29%	$1,220,140,000	-25%	$209,646
2022	EAU CLAIRE, WI	4,918	-42%	$1,060,170,000	-36%	$215,569
2022	Edwards, CO	2,135	-52%	$1,929,245,000	-40%	$903,628
2022	Effingham, IL	497	-43%	$84,555,000	-46%	$170,131
2022	El Campo, TX	514	-31%	$117,490,000	-22%	$228,580
2022	EL CENTRO, CA	2,400	-52%	$620,430,000	-45%	$258,513
2022	El Dorado, AR	612	-22%	$93,140,000	-27%	$152,190
2022	Elizabeth City, NC	1,626	-31%	$370,340,000	-25%	$227,761
2022	ELIZABETHTOWN-FORT KNOX, KY	4,704	-30%	$1,012,120,000	-21%	$215,162
2022	Elk City, OK	313	-31%	$50,065,000	-30%	$159,952
2022	ELKHART-GOSHEN, IN	5,950	-32%	$994,780,000	-31%	$167,190
2022	Elkins, WV	248	-36%	$40,630,000	-30%	$163,831
2022	Elko, NV	1,293	-49%	$345,125,000	-44%	$266,918
2022	Ellensburg, WA	1,753	-47%	$853,605,000	-35%	$486,940
2022	ELMIRA, NY	1,700	-22%	$291,250,000	-5%	$171,324
2022	EL PASO, TX	13,613	-35%	$2,972,605,000	-27%	$218,365
2022	Emporia, KS	411	-37%	$72,405,000	-41%	$176,168
2022	ENID, OK	1,055	-25%	$176,875,000	-25%	$167,654
2022	Enterprise, AL	1,679	-31%	$339,375,000	-29%	$202,129
2022	ERIE, PA	5,601	-29%	$933,345,000	-25%	$166,639
2022	Escanaba, MI	244	-39%	$38,550,000	-36%	$157,992
2022	Española, NM	434	-31%	$93,270,000	-31%	$214,908
2022	Eufaula, AL-GA	297	-34%	$46,305,000	-32%	$155,909
2022	EUGENE-SPRINGFIELD, OR	10,577	-48%	$3,258,565,000	-43%	$308,080
2022	Eureka-Arcata, CA	1,908	-52%	$585,620,000	-49%	$306,929
2022	Evanston, WY	399	-49%	$93,235,000	-44%	$233,672
2022	EVANSVILLE, IN-KY	9,071	-35%	$1,613,505,000	-32%	$177,875
2022	FAIRBANKS, AK	2,126	-41%	$599,580,000	-35%	$282,023
2022	Fairfield, IA	303	-22%	$40,055,000	-26%	$132,195
2022	Fairmont, MN	309	-47%	$45,555,000	-45%	$147,427
2022	Fairmont, WV	1,096	-33%	$171,420,000	-35%	$156,405
2022	Fallon, NV	742	-40%	$200,200,000	-34%	$269,811
2022	FARGO, ND-MN	6,556	-43%	$1,819,670,000	-40%	$277,558
2022	Faribault-Northfield, MN	1,488	-50%	$361,770,000	-51%	$243,125
2022	Farmington, MO	1,503	-37%	$264,165,000	-36%	$175,758
2022	FARMINGTON, NM	1,765	-36%	$352,945,000	-31%	$199,969
2022	FAYETTEVILLE, NC	16,872	-32%	$3,889,650,000	-25%	$230,539
2022	FAYETTEVILLE-SPRINGDALE-ROGERS, AR	18,310	-36%	$5,136,090,000	-31%	$280,507
2022	Fergus Falls, MN	1,403	-49%	$301,055,000	-49%	$214,579
2022	Fernley, NV	2,242	-52%	$619,720,000	-48%	$276,414
2022	Findlay, OH	1,990	-39%	$364,630,000	-35%	$183,231
2022	Fitzgerald, GA	184	-25%	$22,560,000	-27%	$122,609
2022	FLAGSTAFF, AZ	3,639	-51%	$1,650,285,000	-36%	$453,500
2022	FLINT, MI	9,856	-40%	$1,632,530,000	-40%	$165,638
2022	FLORENCE, SC	3,614	-35%	$718,930,000	-31%	$198,929
2022	FLORENCE-MUSCLE SHOALS, AL	4,227	-25%	$777,245,000	-23%	$183,876
2022	FOND DU LAC, WI	2,867	-45%	$459,555,000	-47%	$160,291
2022	Forest City, NC	1,907	-24%	$381,815,000	-23%	$200,218
2022	Forrest City, AR	153	-26%	$41,795,000	59%	$273,170
2022	FORT COLLINS, CO	13,367	-50%	$4,761,335,000	-48%	$356,201
2022	Fort Dodge, IA	802	-30%	$110,790,000	-23%	$138,142
2022	Fort Leonard Wood, MO	1,392	-27%	$274,940,000	-17%	$197,514
2022	Fort Madison-Keokuk, IA-IL-MO	561	-27%	$62,925,000	-34%	$112,166
2022	Fort Morgan, CO	827	-39%	$196,555,000	-37%	$237,672
2022	Fort Payne, AL	1,042	-27%	$170,860,000	-26%	$163,973
2022	Fort Polk South, LA	755	-36%	$137,095,000	-34%	$181,583
2022	FORT SMITH, AR-OK	5,562	-31%	$1,066,580,000	-24%	$191,762
2022	FORT WAYNE, IN	13,442	-37%	$3,884,630,000	-13%	$288,992
2022	Frankfort, IN	999	-19%	$140,885,000	-16%	$141,026
2022	Frankfort, KY	2,269	-32%	$393,205,000	-31%	$173,294
2022	Fredericksburg, TX	651	-30%	$328,775,000	-10%	$505,031
2022	Freeport, IL	595	-33%	$75,185,000	-31%	$126,361
2022	Fremont, NE	921	-33%	$184,845,000	-17%	$200,700
2022	Fremont, OH	1,152	-35%	$155,600,000	-36%	$135,069
2022	FRESNO, CA	19,211	-51%	$5,883,595,000	-47%	$306,262
2022	GADSDEN, AL	2,207	-26%	$397,925,000	-22%	$180,301
2022	Gaffney, SC	964	-21%	$176,740,000	-14%	$183,340
2022	GAINESVILLE, FL	7,328	-35%	$2,073,500,000	-23%	$282,956
2022	GAINESVILLE, GA	5,881	-43%	$1,966,825,000	-31%	$334,437
2022	Gainesville, TX	918	-27%	$246,700,000	-24%	$268,736
2022	Galesburg, IL	942	-26%	$97,880,000	-36%	$103,907
2022	Gallup, NM	346	-28%	$58,580,000	-25%	$169,306
2022	Garden City, KS	445	-32%	$70,495,000	-41%	$158,416
2022	Gardnerville Ranchos, NV	1,634	-57%	$814,960,000	-49%	$498,752
2022	Georgetown, SC	1,989	-39%	$659,785,000	-32%	$331,717
2022	GETTYSBURG, PA	3,168	-33%	$605,520,000	-38%	$191,136
2022	Gillette, WY	1,135	-45%	$264,075,000	-41%	$232,665
2022	Glasgow, KY	1,294	-21%	$195,550,000	-18%	$151,121
2022	GLENS FALLS, NY	2,847	-32%	$856,405,000	-4%	$300,810
2022	Glenwood Springs, CO	2,932	-50%	$3,206,310,000	-25%	$1,093,557
2022	Gloversville, NY	1,072	-28%	$173,530,000	-29%	$161,875
2022	GOLDSBORO, NC	2,834	-29%	$545,830,000	-23%	$192,601
2022	Granbury, TX	2,114	-34%	$604,610,000	-31%	$286,003
2022	GRAND FORKS, ND-MN	2,036	-42%	$504,560,000	-33%	$247,819
2022	GRAND ISLAND, NE	1,665	-36%	$332,955,000	-29%	$199,973
2022	GRAND JUNCTION, CO	5,940	-48%	$1,601,270,000	-45%	$269,574
2022	Grand Rapids, MN	1,132	-40%	$202,360,000	-43%	$178,763
2022	GRAND RAPIDS-KENTWOOD, MI	33,942	-42%	$7,738,470,000	-36%	$227,991
2022	Grants, NM	168	-29%	$22,250,000	-30%	$132,440
2022	GRANTS PASS, OR	2,364	-48%	$633,760,000	-49%	$268,088
2022	Great Bend, KS	302	-27%	$29,990,000	-39%	$99,305
2022	GREAT FALLS, MT	2,195	-42%	$539,235,000	-34%	$245,665
2022	GREELEY, CO	15,077	-47%	$4,997,315,000	-45%	$331,453
2022	GREEN BAY, WI	10,391	-40%	$2,118,875,000	-38%	$203,914
2022	Greeneville, TN	1,651	-25%	$313,605,000	-21%	$189,949
2022	GREENSBORO-HIGH POINT, NC	20,495	-34%	$4,748,015,000	-26%	$231,667
2022	Greensburg, IN	717	-29%	$110,475,000	-28%	$154,079
2022	Greenville, MS	552	-17%	$58,590,000	-36%	$106,141
2022	GREENVILLE, NC	4,502	-36%	$1,048,280,000	-27%	$232,848
2022	Greenville, OH	1,081	-31%	$150,975,000	-32%	$139,662
2022	GREENVILLE-ANDERSON, SC	27,280	-37%	$7,719,710,000	-27%	$282,981
2022	Greenwood, MS	309	-25%	$42,585,000	-35%	$137,816
2022	Greenwood, SC	1,338	-33%	$276,450,000	-22%	$206,614
2022	Grenada, MS	373	-24%	$51,715,000	-25%	$138,646
2022	GUAYAMA, PR	246	-26%	$23,820,000	-37%	$96,829
2022	GULFPORT-BILOXI, MS	10,599	-26%	$2,280,585,000	-23%	$215,170
2022	Guymon, OK	255	-29%	$35,535,000	-27%	$139,353
2022	HAGERSTOWN-MARTINSBURG, MD-WV	9,666	-39%	$2,343,460,000	-35%	$242,444
2022	Hailey, ID	997	-51%	$756,095,000	-37%	$758,370
2022	HAMMOND, LA	2,900	-36%	$621,860,000	-31%	$214,434
2022	HANFORD-CORCORAN, CA	2,767	-47%	$772,655,000	-39%	$279,239
2022	Hannibal, MO	734	-29%	$114,390,000	-26%	$155,845
2022	HARRISBURG-CARLISLE, PA	17,205	-34%	$3,700,325,000	-32%	$215,073
2022	Harrison, AR	1,227	-18%	$195,035,000	-16%	$158,953
2022	HARRISONBURG, VA	3,083	-33%	$742,995,000	-27%	$240,997
2022	HARTFORD-EAST HARTFORD-MIDDLETOWN, CT	30,190	-42%	$8,042,670,000	-37%	$266,402
2022	Hastings, NE	627	-30%	$102,915,000	-28%	$164,139
2022	HATTIESBURG, MS	3,722	-28%	$763,990,000	-28%	$205,263
2022	Hays, KS	338	-30%	$51,370,000	-37%	$151,982
2022	Heber, UT	4,552	-48%	$4,007,680,000	-32%	$880,422
2022	Helena, MT	2,331	-45%	$694,915,000	-43%	$298,119
2022	Helena-West Helena, AR	123	-13%	$11,365,000	-17%	$92,398
2022	Henderson, NC	734	-24%	$151,060,000	-13%	$205,804
2022	Hereford, TX	268	-12%	$40,030,000	-11%	$149,366
2022	Hermiston-Pendleton, OR	1,968	-38%	$484,290,000	-33%	$246,082
2022	HICKORY-LENOIR-MORGANTON, NC	10,474	-29%	$2,236,260,000	-24%	$213,506
2022	Hillsdale, MI	973	-36%	$146,445,000	-36%	$150,509
2022	Hilo, HI	4,582	-43%	$2,200,380,000	-37%	$480,223
2022	HILTON HEAD ISLAND-BLUFFTON, SC	9,220	-44%	$3,791,830,000	-34%	$411,261
2022	HINESVILLE, GA	2,981	-28%	$669,875,000	-15%	$224,715
2022	Hobbs, NM	899	-37%	$204,815,000	-23%	$227,825
2022	Holland, MI	4,182	-38%	$852,290,000	-38%	$203,800
2022	HOMOSASSA SPRINGS, FL	6,099	-25%	$1,260,885,000	-17%	$206,736
2022	Hood River, OR	594	-53%	$211,800,000	-53%	$356,566
2022	Hope, AR	352	-22%	$41,930,000	-18%	$119,119
2022	HOT SPRINGS, AR	2,706	-32%	$586,810,000	-29%	$216,855
2022	Houghton, MI	640	-6%	$102,460,000	-9%	$160,094
2022	HOUMA-THIBODAUX, LA	3,215	-35%	$629,145,000	-35%	$195,691
2022	HOUSTON-THE WOODLANDS-SUGAR LAND, TX	147,119	-41%	$53,244,285,000	-28%	$361,913
2022	Hudson, NY	1,566	-31%	$458,590,000	-27%	$292,842
2022	Huntingdon, PA	960	-22%	$136,070,000	-28%	$141,740
2022	Huntington, IN	1,000	-29%	$129,190,000	-49%	$129,190
2022	HUNTINGTON-ASHLAND, WV-KY-OH	7,128	-28%	$1,117,020,000	-29%	$156,709
2022	HUNTSVILLE, AL	18,981	-36%	$5,409,395,000	-25%	$284,990
2022	Huntsville, TX	1,219	-13%	$352,395,000	-3%	$289,085
2022	Huron, SD	189	-32%	$37,885,000	-37%	$200,450
2022	Hutchinson, KS	977	-29%	$135,495,000	-29%	$138,685
2022	Hutchinson, MN	865	-48%	$167,605,000	-49%	$193,763
2022	IDAHO FALLS, ID	5,934	-42%	$1,572,740,000	-36%	$265,039
2022	Indiana, PA	1,611	-27%	$193,575,000	-36%	$120,158
2022	INDIANAPOLIS-CARMEL-ANDERSON, IN	71,481	-39%	$19,550,285,000	-27%	$273,503
2022	Indianola, MS	301	-19%	$26,965,000	-37%	$89,585
2022	IOWA CITY, IA	6,357	-34%	$1,393,335,000	-31%	$219,181
2022	Iron Mountain, MI-WI	401	-33%	$64,465,000	-23%	$160,761
2022	ITHACA, NY	1,362	-30%	$361,710,000	-41%	$265,573
2022	JACKSON, MI	4,176	-38%	$672,390,000	-38%	$161,013
2022	JACKSON, MS	13,044	-33%	$3,046,580,000	-29%	$233,562
2022	Jackson, OH	624	-25%	$94,520,000	-21%	$151,474
2022	JACKSON, TN	4,339	-19%	$859,545,000	-14%	$198,097
2022	Jackson, WY-ID	1,325	-37%	$1,530,055,000	-25%	$1,154,758
2022	JACKSONVILLE, FL	56,180	-36%	$17,498,950,000	-31%	$311,480
2022	Jacksonville, IL	482	-42%	$51,570,000	-46%	$106,992
2022	JACKSONVILLE, NC	8,435	-32%	$2,129,745,000	-16%	$252,489
2022	Jacksonville, TX	917	-19%	$195,705,000	-26%	$213,419
2022	Jamestown, ND	434	-43%	$79,190,000	-41%	$182,465
2022	Jamestown-Dunkirk-Fredonia, NY	2,171	-18%	$297,505,000	-20%	$137,036
2022	JANESVILLE-BELOIT, WI	5,447	-35%	$912,335,000	-31%	$167,493
2022	Jasper, AL	1,081	-25%	$182,045,000	-22%	$168,404
2022	Jasper, IN	1,209	-27%	$171,895,000	-29%	$142,179
2022	Jayuya, PR	22	-12%	$2,260,000	-24%	$102,727
2022	Jefferson, GA	3,464	-35%	$995,970,000	-25%	$287,520
2022	JEFFERSON CITY, MO	3,826	-28%	$672,140,000	-31%	$175,677
2022	Jennings, LA	554	-29%	$96,260,000	-23%	$173,755
2022	Jesup, GA	678	-8%	$123,180,000	1%	$181,681
2022	JOHNSON CITY, TN	5,343	-30%	$1,205,655,000	-25%	$225,651
2022	JOHNSTOWN, PA	2,627	-19%	$288,485,000	-24%	$109,815
2022	JONESBORO, AR	3,295	-34%	$767,215,000	-24%	$232,842
2022	JOPLIN, MO	4,968	-27%	$819,410,000	-27%	$164,938
2022	Juneau, AK	634	-56%	$228,840,000	-55%	$360,946
2022	KAHULUI-WAILUKU-LAHAINA, HI	4,192	-45%	$2,575,820,000	-39%	$614,461
2022	KALAMAZOO-PORTAGE, MI	7,753	-38%	$1,514,285,000	-37%	$195,316
2022	Kalispell, MT	3,210	-50%	$1,502,910,000	-38%	$468,196
2022	KANKAKEE, IL	2,340	-37%	$433,710,000	-28%	$185,346
2022	KANSAS CITY, MO-KS	60,245	-43%	$16,091,975,000	-38%	$267,109
2022	Kapaa, HI	1,631	-47%	$1,012,005,000	-42%	$620,481
2022	Kearney, NE	1,054	-37%	$228,830,000	-30%	$217,106
2022	Keene, NH	1,725	-36%	$393,265,000	-30%	$227,980
2022	Kendallville, IN	1,403	-29%	$206,735,000	-32%	$147,352
2022	Kennett, MO	276	-22%	$29,680,000	-23%	$107,536
2022	KENNEWICK-RICHLAND, WA	9,430	-45%	$2,899,260,000	-39%	$307,451
2022	Kerrville, TX	951	-39%	$309,655,000	-24%	$325,610
2022	Ketchikan, AK	168	-49%	$54,210,000	-45%	$322,679
2022	Key West, FL	2,486	-47%	$1,856,540,000	-36%	$746,798
2022	Kill Devil Hills, NC	2,776	-43%	$1,105,460,000	-36%	$398,220
2022	KILLEEN-TEMPLE, TX	13,693	-31%	$3,544,585,000	-19%	$258,861
2022	KINGSPORT-BRISTOL, TN-VA	7,625	-27%	$1,441,075,000	-23%	$188,993
2022	KINGSTON, NY	4,209	-28%	$1,255,035,000	-26%	$298,179
2022	Kingsville, TX	381	-26%	$92,915,000	1%	$243,871
2022	Kinston, NC	981	-17%	$146,945,000	-7%	$149,791
2022	Kirksville, MO	417	-29%	$68,285,000	-21%	$163,753
2022	Klamath Falls, OR	1,930	-41%	$420,120,000	-41%	$217,679
2022	KNOXVILLE, TN	30,000	-31%	$8,254,990,000	-23%	$275,166
2022	KOKOMO, IN	2,538	-31%	$367,360,000	-29%	$144,744
2022	Laconia, NH	2,427	-37%	$737,695,000	-33%	$303,953
2022	LA CROSSE-ONALASKA, WI-MN	3,905	-42%	$797,025,000	-41%	$204,104
2022	LAFAYETTE, LA	9,427	-37%	$2,091,165,000	-33%	$221,827
2022	LAFAYETTE-WEST LAFAYETTE, IN	5,842	-39%	$1,275,470,000	-27%	$218,328
2022	La Grande, OR	653	-38%	$141,815,000	-36%	$217,175
2022	LaGrange, GA-AL	1,972	-31%	$390,140,000	-24%	$197,840
2022	LAKE CHARLES, LA	4,146	-34%	$890,420,000	-35%	$214,766
2022	Lake City, FL	1,441	-24%	$290,745,000	-18%	$201,766
2022	LAKE HAVASU CITY-KINGMAN, AZ	7,828	-48%	$1,983,480,000	-44%	$253,383
2022	LAKELAND-WINTER HAVEN, FL	26,249	-27%	$7,095,785,000	-13%	$270,326
2022	Lamesa, TX	104	-30%	$15,770,000	-37%	$151,635
2022	LANCASTER, PA	14,427	-35%	$3,017,465,000	-36%	$209,154
2022	LANSING-EAST LANSING, MI	13,768	-40%	$2,568,200,000	-39%	$186,534
2022	Laramie, WY	906	-37%	$240,500,000	-36%	$265,453
2022	LAREDO, TX	2,948	-39%	$657,390,000	-34%	$222,995
2022	LAS CRUCES, NM	4,628	-38%	$1,019,890,000	-32%	$220,374
2022	Las Vegas, NM	350	-31%	$62,080,000	-29%	$177,371
2022	LAS VEGAS-HENDERSON-PARADISE, NV	66,482	-49%	$23,568,870,000	-41%	$354,515
2022	Laurel, MS	1,484	-16%	$196,960,000	-21%	$132,722
2022	Laurinburg, NC	535	-18%	$86,935,000	-11%	$162,495
2022	LAWRENCE, KS	2,568	-44%	$630,870,000	-38%	$245,666
2022	Lawrenceburg, TN	1,114	-4%	$209,400,000	-3%	$187,971
2022	LAWTON, OK	2,784	-25%	$485,350,000	-23%	$174,335
2022	Lebanon, MO	808	-27%	$144,170,000	-18%	$178,428
2022	Lebanon, NH-VT	5,505	-34%	$1,514,645,000	-29%	$275,140
2022	LEBANON, PA	3,662	-36%	$693,210,000	-34%	$189,298
2022	Levelland, TX	302	-30%	$52,200,000	-26%	$172,848
2022	Lewisburg, PA	764	-32%	$134,210,000	-40%	$175,668
2022	Lewisburg, TN	1,411	-21%	$336,425,000	-14%	$238,430
2022	LEWISTON, ID-WA	1,807	-39%	$405,675,000	-37%	$224,502
2022	LEWISTON-AUBURN, ME	2,894	-38%	$607,600,000	-30%	$209,952
2022	Lewistown, PA	994	-7%	$115,310,000	-17%	$116,006
2022	Lexington, NE	428	-33%	$71,310,000	-34%	$166,612
2022	LEXINGTON-FAYETTE, KY	15,023	-41%	$3,838,015,000	-35%	$255,476
2022	Liberal, KS	223	-38%	$33,605,000	-31%	$150,695
2022	LIMA, OH	2,608	-26%	$347,030,000	-29%	$133,064
2022	Lincoln, IL	536	-30%	$59,040,000	-31%	$110,149
2022	LINCOLN, NE	8,855	-44%	$2,130,875,000	-37%	$240,641
2022	LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR	19,641	-33%	$4,836,535,000	-22%	$246,247
2022	Lock Haven, PA	1,057	-15%	$139,205,000	-20%	$131,698
2022	LOGAN, UT-ID	5,042	-42%	$1,398,510,000	-38%	$277,372
2022	Logansport, IN	729	-25%	$93,675,000	-20%	$128,498
2022	London, KY	2,197	-26%	$331,135,000	-24%	$150,721
2022	LONGVIEW, TX	5,273	-26%	$1,181,935,000	-18%	$224,148
2022	LONGVIEW, WA	4,079	-44%	$1,127,195,000	-43%	$276,341
2022	Los Alamos, NM	617	-44%	$211,275,000	-39%	$342,423
2022	Los Angeles-Long Beach-Anaheim, CA	213,999	-60%	$154,841,135,000	-52%	$723,560
2022	LOUISVILLE, KY	39,859	-39%	$9,716,495,000	-31%	$243,772
2022	LUBBOCK, TX	7,682	-32%	$2,261,300,000	-12%	$294,363
2022	Ludington, MI	553	-35%	$97,065,000	-36%	$175,524
2022	Lufkin, TX	1,243	-26%	$254,195,000	-21%	$204,501
2022	Lumberton, NC	1,291	-25%	$238,325,000	-11%	$184,605
2022	LYNCHBURG, VA	6,775	-39%	$1,647,295,000	-31%	$243,143
2022	Macomb, IL	374	-23%	$40,450,000	-20%	$108,155
2022	MACON-BIBB COUNTY, GA	4,793	-25%	$1,145,025,000	-16%	$238,895
2022	MADERA, CA	3,881	-45%	$1,194,045,000	-38%	$307,664
2022	Madison, IN	962	-32%	$142,730,000	-29%	$148,368
2022	MADISON, WI	23,605	-45%	$6,210,165,000	-39%	$263,087
2022	Madisonville, KY	1,093	-18%	$141,375,000	-22%	$129,346
2022	Magnolia, AR	284	-31%	$48,530,000	-32%	$170,880
2022	Malone, NY	527	-33%	$93,115,000	-31%	$176,689
2022	Malvern, AR	533	-24%	$80,365,000	-15%	$150,779
2022	MANCHESTER-NASHUA, NH	12,468	-47%	$4,068,170,000	-39%	$326,289
2022	MANHATTAN, KS	2,948	-37%	$620,700,000	-36%	$210,550
2022	Manitowoc, WI	2,281	-33%	$324,885,000	-35%	$142,431
2022	MANKATO, MN	2,019	-51%	$545,645,000	-38%	$270,255
2022	MANSFIELD, OH	3,042	-27%	$434,410,000	-28%	$142,804
2022	Marietta, OH	1,136	-27%	$175,810,000	-28%	$154,762
2022	Marinette, WI-MI	1,541	-31%	$215,865,000	-33%	$140,081
2022	Marion, IN	1,234	-32%	$170,300,000	-29%	$138,006
2022	Marion, NC	1,110	-28%	$256,540,000	-21%	$231,117
2022	Marion, OH	1,448	-29%	$199,160,000	-33%	$137,541
2022	Marquette, MI	1,194	-41%	$223,490,000	-37%	$187,178
2022	Marshall, MN	424	-45%	$73,580,000	-44%	$173,538
2022	Marshall, MO	427	-33%	$56,895,000	-24%	$133,244
2022	Marshalltown, IA	671	-36%	$112,985,000	-17%	$168,383
2022	Martin, TN	559	-22%	$91,315,000	-10%	$163,354
2022	Martinsville, VA	1,012	-29%	$148,250,000	-23%	$146,492
2022	Maryville, MO	404	-38%	$64,960,000	-43%	$160,792
2022	Mason City, IA	638	-43%	$114,700,000	-39%	$179,781
2022	MAYAGÜEZ, PR	277	-21%	$34,205,000	-23%	$123,484
2022	Mayfield, KY	541	-30%	$82,465,000	-22%	$152,431
2022	Maysville, KY	342	-10%	$48,900,000	-11%	$142,982
2022	McAlester, OK	756	-20%	$138,180,000	-20%	$182,778
2022	MCALLEN-EDINBURG-MISSION, TX	8,549	-28%	$1,954,515,000	-16%	$228,625
2022	McComb, MS	535	-29%	$75,245,000	-33%	$140,645
2022	McMinnville, TN	993	-8%	$186,095,000	-3%	$187,407
2022	McPherson, KS	347	-42%	$56,425,000	-40%	$162,608
2022	Meadville, PA	1,747	-17%	$217,305,000	-17%	$124,388
2022	MEDFORD, OR	6,477	-48%	$1,943,865,000	-46%	$300,118
2022	MEMPHIS, TN-MS-AR	32,122	-34%	$8,483,260,000	-25%	$264,095
2022	Menomonie, WI	1,106	-42%	$209,980,000	-40%	$189,855
2022	MERCED, CA	4,964	-55%	$1,499,080,000	-52%	$301,990
2022	Meridian, MS	1,334	-25%	$273,820,000	-12%	$205,262
2022	Mexico, MO	528	-18%	$69,050,000	-19%	$130,777
2022	Miami, OK	395	-18%	$53,985,000	-17%	$136,671
2022	Miami-Fort Lauderdale-Pompano Beach, FL	132,588	-39%	$61,751,810,000	-28%	$465,742
2022	MICHIGAN CITY-LA PORTE, IN	3,239	-32%	$542,815,000	-31%	$167,587
2022	Middlesborough, KY	249	-28%	$32,225,000	-19%	$129,418
2022	MIDLAND, MI	2,337	-36%	$413,365,000	-33%	$176,878
2022	MIDLAND, TX	4,424	-32%	$1,352,900,000	-24%	$305,809
2022	Milledgeville, GA	789	-36%	$202,455,000	-22%	$256,597
2022	MILWAUKEE-WAUKESHA, WI	44,802	-45%	$11,141,980,000	-42%	$248,694
2022	Minden, LA	630	-22%	$93,100,000	-23%	$147,778
2022	Mineral Wells, TX	757	-20%	$230,605,000	-10%	$304,630
2022	MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI	105,373	-51%	$31,289,355,000	-48%	$296,939
2022	Minot, ND	1,439	-45%	$344,455,000	-43%	$239,371
2022	MISSOULA, MT	2,982	-51%	$1,064,500,000	-43%	$356,975
2022	Mitchell, SD	497	-30%	$88,545,000	-33%	$178,159
2022	Moberly, MO	594	-15%	$83,250,000	-20%	$140,152
2022	MOBILE, AL	9,514	-34%	$2,178,710,000	-20%	$229,000
2022	MODESTO, CA	10,803	-58%	$3,524,375,000	-54%	$326,240
2022	MONROE, LA	3,663	-35%	$759,145,000	-32%	$207,247
2022	MONROE, MI	4,347	-47%	$723,085,000	-48%	$166,341
2022	MONTGOMERY, AL	9,058	-38%	$2,098,520,000	-33%	$231,676
2022	Montrose, CO	1,619	-42%	$492,995,000	-33%	$304,506
2022	Morehead City, NC	3,155	-43%	$1,000,525,000	-37%	$317,124
2022	Morgan City, LA	532	-32%	$75,820,000	-35%	$142,519
2022	MORGANTOWN, WV	2,731	-38%	$770,225,000	-29%	$282,030
2022	MORRISTOWN, TN	4,072	-22%	$950,720,000	-12%	$233,477
2022	Moscow, ID	868	-41%	$263,860,000	-30%	$303,986
2022	Moses Lake, WA	2,536	-42%	$712,800,000	-31%	$281,073
2022	Moultrie, GA	525	-23%	$96,745,000	-20%	$184,276
2022	Mountain Home, AR	1,264	-31%	$221,830,000	-25%	$175,498
2022	Mountain Home, ID	1,040	-45%	$271,090,000	-37%	$260,663
2022	Mount Airy, NC	1,642	-25%	$277,340,000	-23%	$168,904
2022	Mount Gay-Shamrock, WV	320	-7%	$39,930,000	1%	$124,781
2022	Mount Pleasant, MI	1,260	-29%	$216,910,000	-26%	$172,151
2022	Mount Pleasant, TX	771	-22%	$172,595,000	-20%	$223,859
2022	Mount Sterling, KY	1,074	-17%	$160,630,000	-16%	$149,562
2022	Mount Vernon, IL	544	-26%	$65,530,000	-30%	$120,460
2022	Mount Vernon, OH	1,750	-34%	$315,820,000	-32%	$180,469
2022	MOUNT VERNON-ANACORTES, WA	3,658	-51%	$1,454,940,000	-40%	$397,742
2022	MUNCIE, IN	2,777	-26%	$435,035,000	-20%	$156,656
2022	Murray, KY	624	-34%	$121,140,000	-25%	$194,135
2022	Muscatine, IA	863	-23%	$135,685,000	-24%	$157,225
2022	MUSKEGON, MI	5,012	-38%	$813,310,000	-38%	$162,273
2022	Muskogee, OK	1,266	-19%	$190,630,000	-21%	$150,577
2022	MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC	25,766	-36%	$7,131,140,000	-28%	$276,766
2022	Nacogdoches, TX	814	-32%	$177,310,000	-21%	$217,826
2022	NAPA, CA	2,944	-60%	$1,927,560,000	-54%	$654,742
2022	NAPLES-MARCO ISLAND, FL	13,830	-43%	$7,224,050,000	-31%	$522,346
2022	NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN	74,689	-38%	$29,210,865,000	-25%	$391,100
2022	Natchez, MS-LA	555	-34%	$89,235,000	-34%	$160,784
2022	Natchitoches, LA	469	-37%	$94,415,000	-34%	$201,311
2022	NEW BERN, NC	4,059	-34%	$904,585,000	-28%	$222,859
2022	Newberry, SC	738	-31%	$162,020,000	-25%	$219,539
2022	New Castle, IN	1,204	-31%	$166,160,000	-28%	$138,007
2022	New Castle, PA	2,029	-26%	$262,455,000	-32%	$129,352
2022	NEW HAVEN-MILFORD, CT	19,306	-41%	$5,607,630,000	-34%	$290,460
2022	NEW ORLEANS-METAIRIE, LA	24,872	-41%	$7,048,790,000	-37%	$283,403
2022	New Philadelphia-Dover, OH	1,372	-34%	$202,680,000	-36%	$147,726
2022	Newport, OR	1,743	-44%	$548,285,000	-38%	$314,564
2022	Newport, TN	614	-24%	$115,000,000	-18%	$187,296
2022	New Ulm, MN	495	-51%	$86,325,000	-40%	$174,394
2022	New York-Newark-Jersey City, NY-NJ-PA	297,673	-46%	$179,643,095,000	-35%	$603,491
2022	NILES, MI	4,918	-36%	$1,003,830,000	-39%	$204,113
2022	Nogales, AZ	1,015	-39%	$229,855,000	-30%	$226,458
2022	Norfolk, NE	686	-44%	$131,710,000	-39%	$191,997
2022	North Platte, NE	641	-37%	$94,635,000	-37%	$147,637
2022	North Port-Sarasota-Bradenton, FL	31,742	-39%	$11,756,210,000	-27%	$370,368
2022	North Vernon, IN	649	-31%	$85,985,000	-32%	$132,488
2022	North Wilkesboro, NC	1,277	-31%	$225,735,000	-30%	$176,770
2022	Norwalk, OH	1,183	-35%	$164,215,000	-35%	$138,812
2022	NORWICH-NEW LONDON, CT	7,517	-37%	$2,031,025,000	-33%	$270,191
2022	Oak Harbor, WA	3,024	-52%	$1,836,480,000	-17%	$607,302
2022	OCALA, FL	13,522	-25%	$2,938,110,000	-19%	$217,284
2022	OCEAN CITY, NJ	5,370	-49%	$2,756,070,000	-40%	$513,235
2022	ODESSA, TX	3,085	-26%	$683,085,000	-19%	$221,421
2022	OGDEN-CLEARFIELD, UT	30,367	-46%	$8,893,495,000	-43%	$292,867
2022	Ogdensburg-Massena, NY	1,080	-29%	$151,980,000	-22%	$140,722
2022	Oil City, PA	776	-20%	$91,450,000	-24%	$117,848
2022	Okeechobee, FL	729	-28%	$148,295,000	-22%	$203,422
2022	OKLAHOMA CITY, OK	36,788	-32%	$9,038,990,000	-25%	$245,705
2022	Olean, NY	1,066	-24%	$175,970,000	-14%	$165,075
2022	OLYMPIA-LACEY-TUMWATER, WA	10,239	-50%	$4,586,585,000	-30%	$447,952
2022	OMAHA-COUNCIL BLUFFS, NE-IA	27,366	-42%	$6,735,300,000	-36%	$246,119
2022	Oneonta, NY	1,000	-27%	$179,020,000	-23%	$179,020
2022	Ontario, OR-ID	1,567	-38%	$356,415,000	-36%	$227,451
2022	Opelousas, LA	1,141	-29%	$197,625,000	-26%	$173,203
2022	Orangeburg, SC	1,074	-28%	$189,840,000	-23%	$176,760
2022	ORLANDO-KISSIMMEE-SANFORD, FL	73,648	-40%	$25,675,640,000	-27%	$348,626
2022	OSHKOSH-NEENAH, WI	5,262	-38%	$1,070,780,000	-29%	$203,493
2022	Oskaloosa, IA	527	-23%	$59,455,000	-35%	$112,818
2022	Othello, WA	359	-41%	$83,555,000	-32%	$232,744
2022	Ottawa, IL	2,646	-36%	$366,280,000	-39%	$138,428
2022	Ottawa, KS	580	-38%	$96,880,000	-41%	$167,034
2022	Ottumwa, IA	600	-20%	$63,090,000	-27%	$105,150
2022	Owatonna, MN	735	-54%	$172,515,000	-43%	$234,714
2022	OWENSBORO, KY	3,382	-31%	$543,570,000	-34%	$160,724
2022	Oxford, MS	1,524	-35%	$494,560,000	-18%	$324,514
2022	OXNARD-THOUSAND OAKS-VENTURA, CA	17,629	-63%	$9,328,035,000	-60%	$529,130
2022	Ozark, AL	1,005	-25%	$170,665,000	-26%	$169,816
2022	Paducah, KY-IL	1,693	-30%	$301,145,000	-33%	$177,877
2022	Pahrump, NV	1,747	-42%	$430,805,000	-36%	$246,597
2022	Palatka, FL	1,450	-21%	$277,060,000	-11%	$191,076
2022	Palestine, TX	739	-12%	$148,385,000	-12%	$200,792
2022	PALM BAY-MELBOURNE-TITUSVILLE, FL	22,182	-35%	$6,622,840,000	-24%	$298,568
2022	Pampa, TX	307	-24%	$46,235,000	-16%	$150,603
2022	PANAMA CITY, FL	7,772	-28%	$2,462,900,000	-16%	$316,894
2022	Paragould, AR	1,177	-25%	$212,625,000	-19%	$180,650
2022	Paris, TN	823	-13%	$123,325,000	-18%	$149,848
2022	Paris, TX	707	-29%	$142,755,000	-26%	$201,917
2022	PARKERSBURG-VIENNA, WV	1,533	-37%	$244,685,000	-32%	$159,612
2022	Parsons, KS	247	-18%	$26,285,000	-14%	$106,417
2022	Payson, AZ	1,636	-43%	$441,890,000	-38%	$270,104
2022	Pearsall, TX	142	-11%	$30,800,000	11%	$216,901
2022	Pecos, TX	104	-7%	$21,640,000	11%	$208,077
2022	Pella, IA	875	-35%	$170,925,000	-33%	$195,343
2022	PENSACOLA-FERRY PASS-BRENT, FL	18,141	-31%	$5,065,705,000	-24%	$279,241
2022	PEORIA, IL	9,617	-33%	$1,358,815,000	-35%	$141,293
2022	Peru, IN	740	-20%	$98,740,000	-12%	$133,432
2022	Philadelphia-Camden-Wilmington, PA-NJ-DE-MD	159,025	-42%	$46,022,195,000	-40%	$289,402
2022	PHOENIX-MESA-CHANDLER, AZ	174,635	-51%	$65,499,685,000	-42%	$375,066
2022	Picayune, MS	1,204	-31%	$218,120,000	-23%	$181,163
2022	Pierre, SD	412	-42%	$100,850,000	-31%	$244,782
2022	PINE BLUFF, AR	1,051	-27%	$190,085,000	-8%	$180,861
2022	Pinehurst-Southern Pines, NC	3,980	-39%	$1,212,360,000	-33%	$304,613
2022	Pittsburg, KS	655	-27%	$98,965,000	-24%	$151,092
2022	PITTSBURGH, PA	62,273	-34%	$12,587,135,000	-34%	$202,128
2022	PITTSFIELD, MA	3,584	-20%	$862,720,000	-23%	$240,714
2022	Plainview, TX	320	-23%	$52,040,000	-15%	$162,625
2022	Platteville, WI	937	-35%	$144,905,000	-29%	$154,648
2022	Plattsburgh, NY	974	-38%	$161,580,000	-39%	$165,893
2022	Plymouth, IN	1,311	-32%	$196,525,000	-36%	$149,905
2022	POCATELLO, ID	3,344	-39%	$688,200,000	-39%	$205,801
2022	Point Pleasant, WV-OH	806	-24%	$119,350,000	-21%	$148,077
2022	Ponca City, OK	848	-6%	$109,970,000	-12%	$129,682
2022	PONCE, PR	617	-38%	$76,615,000	-38%	$124,173
2022	Pontiac, IL	822	-27%	$107,820,000	-19%	$131,168
2022	Poplar Bluff, MO	1,110	-27%	$163,300,000	-24%	$147,117
2022	Portales, NM	260	-26%	$40,410,000	-27%	$155,423
2022	Port Angeles, WA	2,055	-49%	$610,515,000	-48%	$297,088
2022	PORTLAND-SOUTH PORTLAND, ME	18,768	-43%	$6,147,970,000	-37%	$327,577
2022	PORTLAND-VANCOUVER-HILLSBORO, OR-WA	75,059	-53%	$29,201,785,000	-48%	$389,051
2022	Port Lavaca, TX	366	-20%	$79,600,000	-15%	$217,486
2022	PORT ST. LUCIE, FL	19,139	-35%	$5,617,555,000	-29%	$293,514
2022	Portsmouth, OH	1,266	-28%	$165,250,000	-32%	$130,529
2022	Pottsville, PA	2,811	-20%	$395,535,000	-19%	$140,710
2022	POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY	15,647	-36%	$4,762,785,000	-35%	$304,390
2022	PRESCOTT VALLEY-PRESCOTT, AZ	9,214	-45%	$3,038,660,000	-39%	$329,787
2022	Price, UT	636	-38%	$110,930,000	-35%	$174,418
2022	Prineville, OR	1,110	-37%	$358,090,000	-36%	$322,604
2022	PROVIDENCE-WARWICK, RI-MA	46,919	-43%	$14,235,635,000	-40%	$303,409
2022	PROVO-OREM, UT	28,298	-46%	$9,897,390,000	-41%	$349,756
2022	PUEBLO, CO	6,573	-35%	$1,446,445,000	-31%	$220,059
2022	Pullman, WA	853	-43%	$228,375,000	-43%	$267,732
2022	PUNTA GORDA, FL	8,535	-36%	$2,314,895,000	-27%	$271,224
2022	Quincy, IL-MO	981	-38%	$154,615,000	-32%	$157,610
2022	RACINE, WI	6,291	-42%	$1,259,775,000	-39%	$200,250
2022	RALEIGH-CARY, NC	56,486	-42%	$19,843,710,000	-29%	$351,303
2022	RAPID CITY, SD	4,042	-36%	$1,251,220,000	-21%	$309,555
2022	Raymondville, TX	78	-28%	$14,400,000	-20%	$184,615
2022	READING, PA	10,614	-34%	$1,939,280,000	-37%	$182,710
2022	Red Bluff, CA	1,363	-50%	$336,915,000	-48%	$247,186
2022	REDDING, CA	4,447	-56%	$1,257,725,000	-52%	$282,826
2022	Red Wing, MN	1,200	-46%	$303,990,000	-37%	$253,325
2022	RENO, NV	13,458	-57%	$5,797,190,000	-50%	$430,762
2022	Rexburg, ID	1,368	-41%	$405,420,000	-40%	$296,360
2022	Richmond, IN	1,497	-28%	$350,155,000	-39%	$233,904
2022	RICHMOND, VA	39,298	-48%	$11,672,590,000	-42%	$297,028
2022	Richmond-Berea, KY	2,933	-30%	$628,345,000	-31%	$214,233
2022	Rio Grande City-Roma, TX	267	-7%	$47,825,000	6%	$179,120
2022	RIVERSIDE-SAN BERNARDINO-ONTARIO, CA	116,903	-54%	$46,666,835,000	-49%	$399,193
2022	Riverton, WY	623	-48%	$132,015,000	-48%	$211,902
2022	ROANOKE, VA	8,442	-39%	$1,971,610,000	-34%	$233,548
2022	Roanoke Rapids, NC	953	-26%	$168,095,000	-30%	$176,385
2022	Rochelle, IL	1,021	-44%	$153,625,000	-46%	$150,465
2022	ROCHESTER, MN	5,782	-48%	$1,442,880,000	-44%	$249,547
2022	ROCHESTER, NY	26,511	-26%	$4,823,995,000	-23%	$181,962
2022	ROCKFORD, IL	7,388	-38%	$1,122,910,000	-36%	$151,991
2022	Rockingham, NC	747	-19%	$107,075,000	-16%	$143,340
2022	Rockport, TX	746	-32%	$242,150,000	-22%	$324,598
2022	Rock Springs, WY	802	-50%	$183,960,000	-49%	$229,377
2022	ROCKY MOUNT, NC	3,346	-24%	$623,560,000	-17%	$186,360
2022	Rolla, MO	655	-30%	$138,975,000	-18%	$212,176
2022	ROME, GA	2,103	-33%	$429,145,000	-31%	$204,063
2022	Roseburg, OR	2,591	-45%	$641,415,000	-44%	$247,555
2022	Roswell, NM	938	-39%	$165,190,000	-40%	$176,109
2022	Ruidoso, NM	652	-35%	$165,590,000	-35%	$253,972
2022	Russellville, AR	1,667	-36%	$281,375,000	-30%	$168,791
2022	Ruston, LA	710	-39%	$166,180,000	-35%	$234,056
2022	Rutland, VT	1,097	-34%	$240,085,000	-30%	$218,856
2022	SACRAMENTO-ROSEVILLE-FOLSOM, CA	65,145	-58%	$26,992,595,000	-54%	$414,346
2022	Safford, AZ	857	-39%	$185,745,000	-31%	$216,739
2022	SAGINAW, MI	3,878	-36%	$630,280,000	-35%	$162,527
2022	ST. CLOUD, MN	4,490	-48%	$963,750,000	-50%	$214,644
2022	ST. GEORGE, UT	9,448	-43%	$3,249,850,000	-36%	$343,972
2022	ST. JOSEPH, MO-KS	2,534	-37%	$407,660,000	-35%	$160,876
2022	ST. LOUIS, MO-IL	76,274	-45%	$17,680,020,000	-43%	$231,796
2022	St. Marys, GA	2,038	-36%	$510,870,000	-31%	$250,672
2022	St. Marys, PA	650	-20%	$71,180,000	-17%	$109,508
2022	Salem, OH	2,342	-26%	$304,210,000	-29%	$129,893
2022	SALEM, OR	11,745	-49%	$3,733,965,000	-44%	$317,920
2022	Salina, KS	722	-32%	$152,170,000	-11%	$210,762
2022	SALINAS, CA	5,881	-64%	$3,591,935,000	-56%	$610,769
2022	SALISBURY, MD-DE	16,469	-45%	$4,995,455,000	-40%	$303,325
2022	SALT LAKE CITY, UT	45,708	-49%	$15,321,490,000	-48%	$335,204
2022	SAN ANGELO, TX	2,192	-39%	$480,020,000	-36%	$218,987
2022	SAN ANTONIO-NEW BRAUNFELS, TX	64,612	-37%	$20,893,160,000	-25%	$323,363
2022	SAN DIEGO-CHULA VISTA-CARLSBAD, CA	70,968	-62%	$42,174,740,000	-57%	$594,278
2022	Sandpoint, ID	1,996	-42%	$753,260,000	-33%	$377,385
2022	Sandusky, OH	1,902	-35%	$319,410,000	-36%	$167,934
2022	Sanford, NC	1,743	-31%	$415,695,000	-14%	$238,494
2022	San Francisco-Oakland-Berkeley, CA	96,616	-64%	$75,164,920,000	-57%	$777,976
2022	SAN GERMÁN, PR	498	-34%	$65,910,000	-32%	$132,349
2022	SAN JOSE-SUNNYVALE-SANTA CLARA, CA	35,496	-68%	$32,083,300,000	-60%	$903,857
2022	SAN JUAN-BAYAMÓN-CAGUAS, PR	11,764	-26%	$2,069,550,000	-26%	$175,922
2022	SAN LUIS OBISPO-PASO ROBLES, CA	6,337	-63%	$3,093,625,000	-59%	$488,184
2022	SANTA CRUZ-WATSONVILLE, CA	4,702	-64%	$2,845,770,000	-60%	$605,225
2022	SANTA FE, NM	3,724	-46%	$1,458,560,000	-42%	$391,665
2022	Santa Isabel, PR	100	-38%	$11,760,000	-42%	$117,600
2022	SANTA MARIA-SANTA BARBARA, CA	7,368	-62%	$5,476,860,000	-51%	$743,331
2022	SANTA ROSA-PETALUMA, CA	11,172	-60%	$5,869,770,000	-56%	$525,400
2022	Sault Ste. Marie, MI	391	-20%	$57,305,000	-20%	$146,560
2022	SAVANNAH, GA	12,160	-39%	$3,577,110,000	-33%	$294,170
2022	Sayre, PA	1,134	-26%	$164,770,000	-27%	$145,300
2022	Scottsbluff, NE	439	-38%	$64,325,000	-41%	$146,526
2022	Scottsboro, AL	1,063	-21%	$195,545,000	-19%	$183,956
2022	Scottsburg, IN	677	-27%	$101,775,000	-27%	$150,332
2022	SCRANTON--WILKES-BARRE, PA	12,807	-25%	$2,090,155,000	-25%	$163,204
2022	Searcy, AR	1,713	-27%	$322,105,000	-16%	$188,036
2022	Seattle-Tacoma-Bellevue, WA	120,035	-55%	$117,189,215,000	-5%	$976,292
2022	Sebastian-Vero Beach, FL	5,665	-37%	$1,736,455,000	-31%	$306,523
2022	SEBRING-AVON PARK, FL	2,715	-31%	$503,245,000	-26%	$185,357
2022	Sedalia, MO	965	-15%	$151,625,000	-13%	$157,124
2022	Selinsgrove, PA	641	-17%	$97,065,000	-20%	$151,427
2022	Selma, AL	320	-31%	$39,880,000	-34%	$124,625
2022	Seneca, SC	2,271	-29%	$707,085,000	-22%	$311,354
2022	Seneca Falls, NY	596	-23%	$94,500,000	-27%	$158,557
2022	Sevierville, TN	4,739	-26%	$1,947,965,000	-5%	$411,050
2022	Seymour, IN	1,188	-30%	$187,270,000	-27%	$157,635
2022	Shawano, WI	1,371	-34%	$199,505,000	-35%	$145,518
2022	Shawnee, OK	1,577	-17%	$265,835,000	-15%	$168,570
2022	SHEBOYGAN, WI	3,258	-43%	$565,040,000	-43%	$173,432
2022	Shelby, NC	2,656	-26%	$487,120,000	-23%	$183,404
2022	Shelbyville, TN	1,442	-34%	$337,560,000	-30%	$234,092
2022	Shelton, WA	2,569	-45%	$849,855,000	-33%	$330,812
2022	Sheridan, WY	775	-25%	$240,775,000	-13%	$310,677
2022	SHERMAN-DENISON, TX	4,450	-24%	$1,334,830,000	-4%	$299,962
2022	Show Low, AZ	2,564	-43%	$711,720,000	-34%	$277,582
2022	SHREVEPORT-BOSSIER CITY, LA	7,595	-41%	$1,736,035,000	-36%	$228,576
2022	Sidney, OH	958	-38%	$135,330,000	-40%	$141,263
2022	SIERRA VISTA-DOUGLAS, AZ	3,264	-41%	$707,050,000	-36%	$216,621
2022	Sikeston, MO	807	-27%	$116,465,000	-23%	$144,318
2022	Silver City, NM	400	-38%	$71,910,000	-37%	$179,775
2022	SIOUX CITY, IA-NE-SD	3,229	-27%	$624,275,000	-23%	$193,334
2022	SIOUX FALLS, SD	9,141	-34%	$2,626,745,000	-29%	$287,359
2022	Snyder, TX	247	-15%	$40,725,000	-1%	$164,879
2022	Somerset, KY	1,269	-28%	$217,645,000	-25%	$171,509
2022	Somerset, PA	1,572	-22%	$210,710,000	-24%	$134,039
2022	Sonora, CA	1,622	-53%	$480,600,000	-50%	$296,301
2022	SOUTH BEND-MISHAWAKA, IN-MI	9,507	-34%	$1,658,275,000	-33%	$174,427
2022	SPARTANBURG, SC	10,777	-31%	$2,475,165,000	-26%	$229,671
2022	Spearfish, SD	880	-35%	$273,640,000	-27%	$310,955
2022	Spencer, IA	322	-46%	$47,240,000	-44%	$146,708
2022	Spirit Lake, IA	687	-43%	$203,785,000	-36%	$296,630
2022	SPOKANE-SPOKANE VALLEY, WA	19,170	-47%	$6,082,010,000	-37%	$317,267
2022	SPRINGFIELD, IL	5,119	-38%	$815,165,000	-39%	$159,243
2022	SPRINGFIELD, MA	15,894	-34%	$3,631,300,000	-33%	$228,470
2022	SPRINGFIELD, MO	14,417	-33%	$3,234,905,000	-25%	$224,381
2022	SPRINGFIELD, OH	3,399	-33%	$503,125,000	-31%	$148,021
2022	Starkville, MS	1,020	-34%	$225,290,000	-36%	$220,873
2022	STATE COLLEGE, PA	3,273	-33%	$762,095,000	-34%	$232,843
2022	Statesboro, GA	1,484	-37%	$357,370,000	-26%	$240,815
2022	STAUNTON, VA	3,994	-33%	$826,010,000	-31%	$206,813
2022	Steamboat Springs, CO	1,130	-48%	$781,970,000	-25%	$692,009
2022	Stephenville, TX	758	-29%	$199,670,000	-32%	$263,417
2022	Sterling, CO	487	-36%	$97,565,000	-29%	$200,339
2022	Sterling, IL	904	-33%	$104,650,000	-33%	$115,763
2022	Stevens Point, WI	1,490	-43%	$273,400,000	-41%	$183,490
2022	Stillwater, OK	1,259	-26%	$269,655,000	-25%	$214,182
2022	STOCKTON, CA	18,789	-56%	$7,517,875,000	-51%	$400,121
2022	Storm Lake, IA	302	-34%	$44,420,000	-34%	$147,086
2022	Sturgis, MI	1,499	-30%	$220,335,000	-37%	$146,988
2022	Sulphur Springs, TX	713	-23%	$157,165,000	-20%	$220,428
2022	Summerville, GA	429	-17%	$65,485,000	-14%	$152,646
2022	SUMTER, SC	2,951	-32%	$587,195,000	-26%	$198,982
2022	Sunbury, PA	1,561	-17%	$190,925,000	-25%	$122,309
2022	Susanville, CA	528	-47%	$104,420,000	-47%	$197,765
2022	Sweetwater, TX	170	-32%	$24,800,000	-36%	$145,882
2022	SYRACUSE, NY	13,649	-25%	$2,439,975,000	-22%	$178,766
2022	Tahlequah, OK	895	-26%	$168,965,000	-12%	$188,788
2022	Talladega-Sylacauga, AL	1,537	-29%	$288,075,000	-22%	$187,427
2022	TALLAHASSEE, FL	8,336	-38%	$2,350,150,000	-29%	$281,928
2022	TAMPA-ST. PETERSBURG-CLEARWATER, FL	103,464	-37%	$32,665,870,000	-29%	$315,722
2022	Taos, NM	623	-23%	$189,065,000	-21%	$303,475
2022	Taylorville, IL	433	-33%	$49,315,000	-34%	$113,891
2022	TERRE HAUTE, IN	4,270	-24%	$583,930,000	-25%	$136,752
2022	TEXARKANA, TX-AR	2,704	-23%	$488,660,000	-31%	$180,717
2022	The Dalles, OR	626	-46%	$175,700,000	-40%	$280,671
2022	THE VILLAGES, FL	6,304	-31%	$1,657,650,000	-25%	$262,952
2022	Thomaston, GA	642	-19%	$103,050,000	-17%	$160,514
2022	Thomasville, GA	922	-36%	$229,570,000	-24%	$248,991
2022	Tiffin, OH	1,038	-29%	$138,110,000	-26%	$133,054
2022	Tifton, GA	626	-32%	$145,020,000	-18%	$231,661
2022	Toccoa, GA	555	-30%	$114,445,000	-24%	$206,207
2022	TOLEDO, OH	15,867	-35%	$2,804,665,000	-34%	$176,761
2022	TOPEKA, KS	5,546	-33%	$917,100,000	-32%	$165,362
2022	Torrington, CT	5,225	-39%	$1,429,365,000	-38%	$273,563
2022	Traverse City, MI	4,524	-42%	$1,272,280,000	-37%	$281,229
2022	TRENTON-PRINCETON, NJ	7,333	-48%	$2,439,835,000	-48%	$332,720
2022	Troy, AL	564	-29%	$122,750,000	-15%	$217,642
2022	Truckee-Grass Valley, CA	3,551	-56%	$1,543,695,000	-52%	$434,721
2022	TUCSON, AZ	29,493	-50%	$8,291,525,000	-44%	$281,135
2022	Tullahoma-Manchester, TN	3,305	-23%	$765,215,000	-14%	$231,533
2022	TULSA, OK	23,671	-32%	$5,681,925,000	-24%	$240,037
2022	Tupelo, MS	3,445	-28%	$597,945,000	-23%	$173,569
2022	TUSCALOOSA, AL	5,506	-32%	$1,368,930,000	-26%	$248,625
2022	TWIN FALLS, ID	4,110	-39%	$978,080,000	-32%	$237,976
2022	TYLER, TX	5,299	-33%	$1,523,645,000	-21%	$287,534
2022	Ukiah, CA	1,293	-48%	$466,905,000	-45%	$361,102
2022	Union, SC	399	6%	$56,685,000	1%	$142,068
2022	Union City, TN	536	-19%	$66,760,000	-29%	$124,552
2022	Urbana, OH	977	-32%	$149,735,000	-36%	$153,260
2022	URBAN HONOLULU, HI	22,125	-48%	$11,179,325,000	-48%	$505,280
2022	UTICA-ROME, NY	6,162	-16%	$916,400,000	-17%	$148,718
2022	Uvalde, TX	263	-37%	$57,855,000	-30%	$219,981
2022	VALDOSTA, GA	3,795	-30%	$816,135,000	-24%	$215,055
2022	VALLEJO, CA	11,584	-60%	$4,820,270,000	-56%	$416,114
2022	Van Wert, OH	502	-32%	$68,420,000	-21%	$136,295
2022	Vermillion, SD	270	-33%	$54,050,000	-32%	$200,185
2022	Vernal, UT	1,308	-37%	$271,150,000	-33%	$207,301
2022	Vernon, TX	117	-19%	$16,655,000	-9%	$142,350
2022	Vicksburg, MS	722	-31%	$129,350,000	-26%	$179,155
2022	VICTORIA, TX	1,480	-37%	$376,440,000	-28%	$254,351
2022	Vidalia, GA	361	-39%	$65,675,000	-33%	$181,925
2022	Vincennes, IN	669	-31%	$82,015,000	-32%	$122,593
2022	VINELAND-BRIDGETON, NJ	2,623	-34%	$526,795,000	-29%	$200,837
2022	Vineyard Haven, MA	928	-47%	$1,030,260,000	-28%	$1,110,194
2022	VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC	56,606	-45%	$16,272,490,000	-44%	$287,469
2022	VISALIA, CA	8,577	-48%	$2,285,515,000	-43%	$266,470
2022	Wabash, IN	852	-22%	$103,950,000	-28%	$122,007
2022	WACO, TX	5,611	-33%	$1,543,225,000	-21%	$275,036
2022	Wahpeton, ND-MN	528	-32%	$90,570,000	-35%	$171,534
2022	WALLA WALLA, WA	1,511	-46%	$400,215,000	-46%	$264,868
2022	Wapakoneta, OH	1,053	-32%	$148,645,000	-35%	$141,163
2022	WARNER ROBINS, GA	5,846	-33%	$1,365,050,000	-21%	$233,502
2022	Warren, PA	711	-20%	$83,275,000	-20%	$117,124
2022	Warrensburg, MO	1,550	-28%	$338,760,000	-24%	$218,555
2022	Warsaw, IN	2,629	-40%	$516,505,000	-50%	$196,464
2022	Washington, IN	655	-25%	$86,165,000	-33%	$131,550
2022	Washington, NC	1,066	-30%	$205,100,000	-27%	$192,402
2022	Washington-Arlington-Alexandria, DC-VA-MD-WV	161,363	-57%	$74,112,165,000	-54%	$459,288
2022	Washington Court House, OH	761	-31%	$116,385,000	-28%	$152,937
2022	WATERLOO-CEDAR FALLS, IA	5,903	-30%	$809,315,000	-37%	$137,102
2022	Watertown, SD	857	-45%	$189,275,000	-43%	$220,858
2022	Watertown-Fort Atkinson, WI	2,545	-45%	$546,805,000	-39%	$214,855
2022	WATERTOWN-FORT DRUM, NY	2,540	-25%	$458,190,000	-25%	$180,390
2022	Wauchula, FL	296	-17%	$54,260,000	-13%	$183,311
2022	WAUSAU-WESTON, WI	4,559	-40%	$767,115,000	-39%	$168,264
2022	Waycross, GA	989	-20%	$157,505,000	-15%	$159,257
2022	Weatherford, OK	371	-35%	$65,565,000	-37%	$176,725
2022	WEIRTON-STEUBENVILLE, WV-OH	2,291	-21%	$284,125,000	-21%	$124,018
2022	WENATCHEE, WA	3,572	-47%	$1,610,950,000	-30%	$450,994
2022	West Plains, MO	633	-28%	$99,935,000	-25%	$157,875
2022	West Point, MS	280	-28%	$40,440,000	-21%	$144,429
2022	WHEELING, WV-OH	2,457	-27%	$358,855,000	-30%	$146,054
2022	Whitewater, WI	3,339	-47%	$881,505,000	-45%	$264,003
2022	WICHITA, KS	16,314	-32%	$3,286,660,000	-29%	$201,463
2022	WICHITA FALLS, TX	2,785	-28%	$520,755,000	-22%	$186,986
2022	WILLIAMSPORT, PA	3,234	-20%	$454,720,000	-27%	$140,606
2022	Williston, ND	713	-41%	$198,925,000	-38%	$278,997
2022	Willmar, MN	792	-49%	$173,930,000	-44%	$219,609
2022	WILMINGTON, NC	11,544	-42%	$3,998,800,000	-33%	$346,396
2022	Wilmington, OH	1,096	-35%	$181,010,000	-33%	$165,155
2022	Wilson, NC	1,924	-26%	$347,450,000	-21%	$180,587
2022	WINCHESTER, VA-WV	4,262	-46%	$1,199,220,000	-41%	$281,375
2022	Winfield, KS	654	-19%	$83,110,000	-21%	$127,080
2022	Winnemucca, NV	475	-41%	$106,875,000	-40%	$225,000
2022	Winona, MN	1,331	-35%	$214,665,000	-34%	$161,281
2022	WINSTON-SALEM, NC	20,035	-33%	$4,333,505,000	-28%	$216,297
2022	Wisconsin Rapids-Marshfield, WI	1,456	-34%	$229,430,000	-35%	$157,576
2022	Woodward, OK	272	-39%	$54,730,000	-24%	$201,213
2022	Wooster, OH	2,584	-34%	$445,330,000	-30%	$172,341
2022	WORCESTER, MA-CT	26,917	-42%	$7,861,795,000	-40%	$292,075
2022	Worthington, MN	190	-31%	$33,410,000	-25%	$175,842
2022	YAKIMA, WA	4,988	-43%	$1,409,550,000	-35%	$282,588
2022	Yankton, SD	417	-42%	$83,935,000	-40%	$201,283
2022	YAUCO, PR	155	-32%	$16,115,000	-31%	$103,968
2022	YORK-HANOVER, PA	14,648	-33%	$2,848,280,000	-35%	$194,448
2022	YOUNGSTOWN-WARREN-BOARDMAN, OH-PA	13,363	-25%	$1,761,855,000	-32%	$131,846
2022	YUBA CITY, CA	4,734	-49%	$1,513,910,000	-43%	$319,795
2022	YUMA, AZ	5,281	-45%	$1,213,835,000	-37%	$229,849
2022	Zanesville, OH	2,170	-27%	$319,790,000	-32%	$147,369
2022	Zapata, TX	70	-5%	$10,270,000	-3%	$146,714

The conclusion? We have to consider the bright side of it all: Silicon Valley bank's volume was up 48% YoY, bested by Signature Bank up 77% and beating First Republic's paltry 17% growth.

2022 Mortgage Trends - The Aftermath

Total Mortgage Originations by Year

Mortgage Originations by Product Type, Annual Totals

Refinance

Home Purchases

Home Improvement Loans (A bright spot, or not?)

Mortgage Originations by Lender, Annual Totals (>1BB originated)

Takeaways

Mortgage Originations by Market, Annual Totals

Takeaways

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