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
2024	6,149,171	$2,030,921,895,000
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
2024	Cash Out Refi	766,215	$215,715,115,000	$281,533
2024	Home Improvement	584,932	$70,492,380,000	$120,514
2024	Home Purchase	3,513,601	$1,357,804,075,000	$386,442
2024	NA	2,501	$5,400,045,000	$2,159,154
2024	Other	585,595	$83,046,775,000	$141,816
2024	Refi	696,327	$298,463,505,000	$428,625
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
2023	549300HW662MN1WU8550	UNITED WHOLESALE MORTGAGE, LLC	$108,479,675,000	-15%	$368,493
2023	549300FGXN1K3HLB1R50	QUICKEN LOANS, LLC	$76,259,060,000	-40%	$264,276
2023	7H6GLXDRUGQFU57RNE97	JPMorgan Chase Bank	$38,395,100,000	-47%	$599,118
2023	KB1H1DSPRFMYMCUFXT09	Wells Fargo Bank	$32,073,030,000	-59%	$626,231
2023	549300VZVN841I2ILS84	CROSSCOUNTRY MORTGAGE, LLC	$29,591,900,000	-16%	$354,598
2023	B4TYDEB6GKMZO031MB27	Bank of America	$28,452,070,000	-47%	$309,780
2023	549300MGPZBLQDIL7538	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	$26,928,060,000	-34%	$311,906
2023	6BYL5QZYBDK8S7L73M02	U.S. Bank	$25,708,780,000	-40%	$356,452
2023	5493001SXWZ4OFP8Z903	DHI MORTGAGE COMPANY, LTD.	$21,688,480,000	8%	$333,648
2023	549300AG64NHILB7ZP05	LOANDEPOT.COM, LLC	$21,479,750,000	-59%	$328,497
2023	549300U3721PJGQZYY68	GUARANTEED RATE, INC.	$20,443,515,000	-34%	$362,519
2023	549300DD4R4SYK5RAQ92	MOVEMENT MORTGAGE, LLC	$19,325,190,000	-15%	$324,979
2023	AD6GFRVSDT01YPT1CS68	PNC Bank	$19,208,095,000	-49%	$287,061
2023	E57ODZWZ7FF32TWEFA76	Citibank	$18,897,280,000	-16%	$1,302,004
2023	549300DD5QQUHO6PCH70	Mortgage Research Center, LLC	$18,616,355,000	-22%	$298,277
2023	549300H3IZO24NSOO931	EAGLE HOME MORTGAGE, LLC	$17,444,010,000	24%	$368,343
2023	549300GKFNPRWNS0GF29	CMG MORTGAGE, INC.	$15,862,995,000	25%	$355,553
2023	DRMSV1Q0EKMEXLAU1P80	Citizens Bank	$15,607,830,000	-38%	$231,159
2023	5493003GQDUH26DNNH17	NAVY FEDERAL CREDIT UNION	$14,830,605,000	-21%	$207,650
2023	549300AQ3T62GXDU7D76	GUILD MORTGAGE COMPANY	$14,518,905,000	-21%	$298,283
2023	254900YA1AQXNM8QVZ06	WALKER & DUNLOP, LLC	$13,781,685,000	-32%	$20,849,750
2023	RVDPPPGHCGZ40J4VQ731	PENNYMAC LOAN SERVICES, LLC	$13,485,905,000	-39%	$287,662
2023	549300JQALY53TH22D13	JONES LANG LASALLE MULTIFAMILY, LLC	$11,777,230,000	180%	$51,205,348
2023	JJKC32MCHWDI71265Z06	Truist	$11,341,130,000	-45%	$263,392
2023	2WHM8VNJH63UN14OL754	The Huntington National Bank	$10,418,405,000	-31%	$200,527
2023	549300GS0W0TEUQS8571	Morgan Stanley Private Bank	$10,140,570,000	-35%	$980,144
2023	549300FNXYY540N23N64	NEWREZ LLC	$9,457,015,000	10%	$290,994
2023	549300E2UX99HKDBR481	BROKER SOLUTIONS, INC.	$9,356,400,000	-34%	$284,891
2023	03D0JEWFDFUS0SEEKG89	TD Bank	$9,086,600,000	-22%	$340,501
2023	EQTWLK1G7ODGC2MGLV11	Regions Bank	$8,639,010,000	-11%	$276,820
2023	SS1TRMSN6BRNMOREEV51	Flagstar Bank, FSB	$8,614,065,000	-65%	$282,216
2023	549300GNIV169ZIHU012	BERKADIA COMMERCIAL MORTGAGE LLC	$8,154,780,000	-52%	$15,562,557
2023	5493007Z7FTUKQGFMZ98	GREYSTONE SERVICING COMPANY LLC	$7,975,625,000	12%	$12,968,496
2023	549300VORTI31GZTJL53	CARDINAL FINANCIAL	$7,909,250,000	-34%	$291,038
2023	549300121SF0K2LN2804	PRIMELENDING, A PLAINSCAPITAL COMPANY	$7,816,570,000	-35%	$301,054
2023	549300KIOYNU323LVJ37	AMERICAN PACIFIC MORTGAGE CORPORATION	$7,766,160,000	-25%	$356,639
2023	YWC0TIKBQM2JV8L4IV08	First Republic Bank	$7,553,180,000	-83%	$1,300,031
2023	549300LYRWPSYPK6S325	FREEDOM MORTGAGE CORPORATION	$7,002,065,000	-61%	$307,932
2023	5493004WMLN60ZJ2ON46	PULTE MORTGAGE LLC	$6,915,085,000	-3%	$397,716
2023	3Y4U8VZURTYWI1W2K376	BMO Harris Bank	$6,870,430,000	57%	$413,383
2023	5493005PKOSG7MYX0B34	Prosperity Home Mortgage, LLC	$6,816,055,000	-28%	$331,536
2023	254900ZFWS2106HWPH46	Paramount Residential Mortgage Group, Inc.	$6,285,185,000	-35%	$353,120
2023	549300LBCBNR1OT00651	Mr. Cooper ( Nationstar Mortgage )	$6,078,330,000	-66%	$215,208
2023	L9VVX1KT5TFTKS0MLF66	First-Citizens Bank & Trust Company	$5,902,870,000	-9%	$385,708
2023	549300KBWX4NV5Q1E376	NVR Mortgage Finance, Inc.	$5,738,155,000	-9%	$361,641
2023	549300MCIFZSDHUT8X63	NFM, INC.	$5,571,150,000	-20%	$351,492
2023	549300ASFUWYQO0RW077	Arbor Realty Trust, Inc.	$5,398,145,000	1%	$10,401,050
2023	549300SHE1JTCOWBP090	STATE EMPLOYEES'	$5,386,785,000	-32%	$158,701
2023	54930001NSTOD85LT125	GUARANTEED RATE AFFINITY, LLC	$5,377,695,000	-36%	$362,647
2023	549300WTZMQSET2VY242	ACADEMY MORTGAGE CORPORATION	$5,237,165,000	-35%	$301,177
2023	549300XWUSRVVOHPRY47	EVERETT FINANCIAL, INC.	$5,214,540,000	-45%	$293,018
2023	549300RPOGWJRH63HS39	UNION HOME MORTGAGE CORP.	$5,156,965,000	-10%	$257,346
2023	QFROUN1UWUYU0DVIWD51	Fifth Third Bank	$4,908,760,000	-43%	$175,000
2023	549300IBT3SCF2K09D58	CBRE MULTIFAMILY CAPITAL, INC.	$4,877,315,000	-14%	$26,363,865
2023	54930043BMDE130FJ617	PROVIDENT FUNDING ASSOCIATES, L.P.	$4,781,920,000	19%	$399,893
2023	5493001GDRY0EL7VG372	ARK-LA-TEX FINANCIAL SERVICES, LLC.	$4,519,645,000	-5%	$305,898
2023	COOWI3L2W9TPYR3WJX37	First Horizon Bank	$4,500,770,000	-28%	$404,309
2023	IUGPUX5LWRZ3B6KIZ697	Ameris Bank	$4,374,230,000	-28%	$334,780
2023	5493006VAGP3GQ8FJT49	LENDINGHOME FUNDING CORPORATION	$4,370,105,000	-1%	$289,392
2023	549300KJ8PAJ7E52HG32	Plains Commerce Bank	$4,368,540,000	32%	$323,787
2023	549300OPCWU6E72WUT29	MUTUAL OF OMAHA MORTGAGE, INC.	$4,044,625,000	-12%	$250,147
2023	WWB2V0FCW3A0EE3ZJN75	M&T Bank	$4,035,035,000	-28%	$229,120
2023	8WH0EE09O9V05QJZ3V89	Zions Bank	$3,971,570,000	-49%	$385,066
2023	C5654JQHZUHN0772B561	USAA Federal Savings Bank	$3,967,800,000	-26%	$326,675
2023	5493001WHVQBGRSWEU75	HOMEBRIDGE FINANCIAL SERVICES, INC.	$3,964,755,000	-66%	$262,758
2023	5493008NWHQT1R22C024	AMERICAN FINANCIAL NETWORK, INC.	$3,844,990,000	0%	$338,825
2023	549300JYXTZDSPJEPI44	PLAZA HOME MORTGAGE, INC.	$3,767,090,000	6%	$332,312
2023	549300YIQ7S7Z8PIHE53	AMERISAVE MORTGAGE CORPORATION	$3,662,735,000	-72%	$252,794
2023	5493002QI2ILHHZH8D20	KBHS HOME LOANS, LLC	$3,631,715,000	9%	$390,717
2023	F28JOQ8OBWCFUYM0UX93	East West Bank	$3,601,280,000	-33%	$588,637
2023	549300MZ8VZJOVC63092	Century Mortgage Company DBA Century Lending Company	$3,589,765,000	80%	$378,149
2023	549300J7I82PNDVU8H22	OCMBC, INC.	$3,587,635,000	35%	$403,513
2023	549300HINJH60UG3KG47	BERKELEY POINT CAPITAL LLC	$3,583,565,000	-36%	$25,415,355
2023	549300CY7WNAHKHYSJ73	CORNERSTONE HOME LENDING, INC.	$3,570,445,000	-31%	$355,728
2023	549300KM40FP4MSQU941	Boeing Employees Credit Union	$3,539,215,000	-28%	$250,812
2023	549300J7XKT2BI5WX213	CALIBER HOME LOANS, INC.	$3,535,055,000	-88%	$330,040
2023	549300PL8ER6H23P0Z91	BAY EQUITY LLC	$3,521,690,000	-30%	$383,543
2023	5493000YNV8IX4VD3X12	VANDERBILT MORTGAGE AND FINANCE, INC.	$3,514,610,000	-8%	$190,949
2023	549300RWXUAFD1WAE410	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	$3,506,935,000	-22%	$273,062
2023	549300ZBBGOL4MIK0L71	Three Rivers Federal Credit Union	$3,471,735,000	42%	$1,504,870
2023	549300UI36AJZ0WZ4U93	South Pacific Financial Corporation	$3,447,320,000	12%	$467,877
2023	5493004AS1SPBQOFDR49	Commerce Home Mortgage, Inc.	$3,445,240,000	-42%	$473,247
2023	N8T7HW55LK5D2ORCKP39	First National Bank of Pennsylvania	$3,409,870,000	-19%	$280,279
2023	549300BX448ALT10FI43	The Federal Savings Bank	$3,267,285,000	-28%	$348,883
2023	Q7C315HKI8VX0SSKBS64	BancorpSouth	$3,256,905,000	-25%	$271,070
2023	549300UXY7OP0IC38293	Northpointe Bank	$3,228,560,000	-38%	$329,781
2023	8I3UVGYULPJQIP7FQV10	South State Bank	$3,211,310,000	-51%	$306,540
2023	549300JGMQJ4R419LR70	ORIX REAL ESTATE CAPITAL, LLC	$3,176,405,000	78%	$9,895,343
2023	549300WYBPIWKK6SQC06	Bell Bank	$3,146,205,000	-30%	$318,539
2023	5493008CPTDVOS570626	Third Federal Savings and Loan Association of Cleveland	$3,102,315,000	-41%	$143,966
2023	549300O6Z0I6KYMESL47	AMWEST FUNDING CORP.	$3,089,375,000	-30%	$414,181
2023	549300GWD9H4FQ2VR805	UBS Bank USA	$3,064,195,000	-55%	$1,228,134
2023	549300XQVJ1XBNFA5536	21ST MORTGAGE CORPORATION	$3,045,905,000	5%	$109,585
2023	549300FX7K8PTEQUU487	PENTAGON FEDERAL CREDIT UNION	$3,034,250,000	-56%	$246,447
2023	1DU7IM20QESYGDO4HO54	The Northwestern Mutual Life Insurance Company	$2,994,480,000	-17%	$74,862,000
2023	549300AT7EB9FJAF0E61	Old National Bank	$2,959,295,000	-28%	$372,192
2023	HUX2X73FUCYHUVH1BK78	KeyBank	$2,948,800,000	-84%	$248,718
2023	549300WRDGBHKR1BXL98	Merchants Bank of Indiana	$2,939,405,000	-36%	$3,822,373
2023	WV0OVGBTLUP1XIUJE722	Webster Bank	$2,934,760,000	-32%	$776,803
2023	549300YB1H2FRI6JPM51	LAKE MICHIGAN CREDIT UNION	$2,928,205,000	-25%	$263,399
2023	B2S31CFVSWTN3FR00Q90	PGIM Real Estate Finance, LLC	$2,926,890,000	-13%	$66,520,227
2023	KI0VI4JRMCIJ329YTN75	Valley National Bank	$2,900,055,000	-39%	$963,794
2023	549300DH8EI64ITBY388	Prudential Huntoon Paige Associates, LLC	$2,898,730,000	-59%	$16,659,368
2023	254900KKWIJLOTNP7667	M&T Realty Capital Corporation	$2,887,080,000	-1%	$27,236,604
2023	1IE8VN30JCEQV1H4R804	HSBC BANK USA, NATIONAL ASSOCIATION	$2,850,525,000	-30%	$1,085,088
2023	X05BVSK68TQ7YTOSNR22	Discover Bank	$2,824,555,000	40%	$91,620
2023	549300F8C5JA44WNMI75	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	$2,806,580,000	-32%	$314,216
2023	549300AENO88GEUWCZ39	American Mortgage & Equity Consultants, Inc.	$2,784,515,000	230%	$360,829
2023	COINQMNIM6RBU631DD85	Arvest Bank	$2,749,865,000	-22%	$229,213
2023	54930052M48FOD3CWA54	PRIMARY RESIDENTIAL MORTGAGE, INC.	$2,716,365,000	-46%	$273,689
2023	549300AEULLVYD8L9B04	Barings Multifamily Capital	$2,689,875,000	0%	$27,170,455
2023	549300LXKO1O7CSK5J52	FLAT BRANCH MORTGAGE, INC.	$2,689,135,000	-8%	$213,848
2023	549300INFJ8TYNZ1G568	Charles Schwab Bank, SSB	$2,641,515,000	-55%	$968,652
2023	54930034MNPILHP25H80	Gateway First Bank	$2,599,380,000	-42%	$241,668
2023	549300RFPLMCMJL7BS81	BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC	$2,558,915,000	-28%	$13,831,973
2023	549300RN01LBYR8ZVX74	HOMESIDE FINANCIAL, LLC	$2,528,005,000	-36%	$289,014
2023	549300R9S3MVDV4MGF56	Carrington Mortgage Services, LLC	$2,492,635,000	-43%	$213,832
2023	254900TTZ395IC926125	Sierra Pacific Mortgage Company, Inc.	$2,473,650,000	-30%	$342,137
2023	549300DMHEHNYZ2OLB41	First United Bank and Trust Company	$2,472,510,000	-50%	$352,009
2023	5493001HHBUTXHS7TZ96	HOMEAMERICAN MORTGAGE CORPORATION	$2,448,510,000	-11%	$450,923
2023	549300PC4MFWQBNVKG88	V.I.P. MORTGAGE, INC.	$2,422,775,000	3%	$380,999
2023	2549005SIVTHG14U2905	A&D Mortgage LLC	$2,396,085,000	-5%	$389,038
2023	549300ONBM4MGXXBTA44	AMCAP MORTGAGE, LTD.	$2,256,105,000	-29%	$288,911
2023	213800QUAI2VH5YM6310	EMBRACE HOME LOANS, INC.	$2,250,205,000	-38%	$422,574
2023	213800XR2TCBQJSF1X93	NBKC BANK	$2,242,085,000	-26%	$379,693
2023	593C3GZG957YOJPS2Z63	City National Bank	$2,217,475,000	-71%	$1,219,063
2023	549300CDOC4F7XSRG390	Pinnacle Bank	$2,202,310,000	-41%	$352,934
2023	5493007TLZJ73TKCO730	Merchants Capital Corp.	$2,193,405,000	0%	$24,645,000
2023	549300D003QRZFSQ4N43	Prosperity Bank	$2,188,395,000	-36%	$444,525
2023	549300W4FT4H1UWPGU95	GREENSTATE CREDIT UNION	$2,140,015,000	-21%	$173,323
2023	5493005JPZ3LXXMB0S24	FBC MORTGAGE, LLC	$2,133,565,000	-22%	$353,415
2023	254900E6AIE4Z8YQM970	Citadel Servicing Corporation	$2,126,445,000	10%	$455,439
2023	549300GRGZDEH4ZGQS06	Waterstone Mortgage Corporation	$2,123,335,000	-24%	$281,125
2023	549300DMYENRV818D594	SWBC MORTGAGE CORPORATION	$2,116,200,000	-25%	$308,574
2023	254900WEP08K7U7S3A80	Nations Lending Corporation	$2,114,605,000	-28%	$278,861
2023	549300S5YL3OH0IVCS62	FINANCE OF AMERICA REVERSE LLC	$2,112,410,000	-57%	$272,428
2023	549300GPO6DWUZR4UY30	FIRST HOME MORTGAGE CORPORATION	$2,093,045,000	-27%	$390,566
2023	549300PXL1KA5TOL2O82	M/I FINANCIAL, LLC	$2,080,075,000	1%	$393,432
2023	549300GY4NTTEM7WWB64	Bank of England	$2,045,995,000	-34%	$303,695
2023	549300GSCUJKJINRJ980	RUOFF MORTGAGE COMPANY, INC.	$2,037,350,000	-30%	$207,554
2023	549300KHXD7JSQUZIJ22	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	$2,037,150,000	-13%	$305,328
2023	C398JSK21YCXWM603F55	Barrington Bank & Trust Company, N.A.	$2,023,735,000	-26%	$289,229
2023	5493001R92DY5DI1DI85	DRAPER AND KRAMER MORTGAGE CORP.	$2,003,365,000	-48%	$346,543
2023	549300ZZME37MXI1EF14	DAS Acquisition Company, LLC	$1,991,985,000	-29%	$242,010
2023	549300XY701IELCE5Q08	BETTER MORTGAGE CORPORATION	$1,988,290,000	-75%	$382,511
2023	5493002RF1ERFA2XR050	Renasant Bank	$1,981,750,000	-35%	$263,881
2023	DX0JX77PRMOELF7VG772	Synovus Bank	$1,961,445,000	-42%	$292,360
2023	5493008VVXQIDO1EZ460	SUMMIT FUNDING, INC.	$1,948,935,000	-43%	$325,528
2023	549300VQUTI5IU7GXT57	SECURITYNATIONAL MORTGAGE COMPANY	$1,947,890,000	-38%	$295,493
2023	5493001NJEVHTZW7FG34	SCHOOLSFIRST	$1,932,350,000	-35%	$184,808
2023	549300FK3AFCFVAPH234	Leader Bank	$1,905,085,000	-32%	$499,891
2023	5493007VW2EU20PZYU97	INSPIRE HOME LOANS INC.	$1,904,675,000	-7%	$350,704
2023	LDVFX8JEECFFE8HRWA73	First National Bank of Omaha	$1,895,960,000	9%	$315,363
2023	FT6J43S06X6CLJ0R0B48	Cathay Bank	$1,895,880,000	16%	$853,231
2023	5493006S869XKIESMV41	MOUNTAIN AMERICA	$1,890,940,000	-50%	$164,745
2023	549300R0SXC1JU7ZU290	FIRST COMMUNITY MORTGAGE, INC.	$1,880,525,000	0%	$266,099
2023	549300BLL6VL7AXWYP56	CHURCHILL MORTGAGE CORPORATION	$1,865,900,000	-30%	$292,736
2023	549300UF3FPC7U6RFC59	The Central Trust Bank	$1,850,240,000	-25%	$245,065
2023	549300337GB2P1WP7003	Grandbridge Real Estate Capital LLC	$1,841,805,000	-22%	$18,604,091
2023	549300KTR1JGH3K6LU06	Bethpage Federal Credit Union	$1,823,885,000	-41%	$250,430
2023	254900O723MCLR701H50	Neighborhood Loans, Inc.	$1,816,845,000	-1%	$235,678
2023	5493007I0X1GRWIU8B34	AMERICA FIRST	$1,814,130,000	-31%	$111,859
2023	549300K4ZLGS7SRDTL86	Equity Prime Mortgage LLC	$1,805,375,000	-28%	$290,207
2023	54930021WPEXNHYZUL09	PLANET HOME LENDING, LLC	$1,800,685,000	-37%	$292,556
2023	DZC62HF6UIZYJ08V1J90	Fulton Bank	$1,773,530,000	-26%	$317,041
2023	549300NWBS6MQJX15N44	NexBank	$1,764,390,000	-45%	$436,083
2023	549300EM8ID8J7F8OM55	First Heritage Mortgage, LLC	$1,755,440,000	-10%	$394,304
2023	254900UL88QFG0E40516	Figure Lending LLC	$1,748,620,000	-7%	$71,407
2023	549300R77W0P105C3S50	HOMEXPRESS MORTGAGE CORP.	$1,746,035,000	6%	$407,286
2023	549300S5FVOSK5DQJN30	INTERCAP LENDING INC.	$1,737,395,000	-25%	$387,206
2023	549300Y5Y88FQLI7VE83	DEEPHAVEN MORTGAGE LLC	$1,728,945,000	13%	$416,915
2023	549300HFBEONQN2CK447	Union Savings Bank	$1,721,000,000	-34%	$254,360
2023	54930095UWUUXAWASB02	Atlantic Coast Mortgage, LLC	$1,714,850,000	-9%	$391,518
2023	QGPGHQ1ENZOOLJRFTH41	WesBanco	$1,695,615,000	-16%	$348,677
2023	549300TM179TSKK3HQ94	THRIVE MORTGAGE, LLC	$1,694,465,000	-10%	$274,052
2023	549300OBO7DOF2KOP535	FirstBank	$1,680,010,000	-54%	$262,666
2023	54930039UO39UJGI7078	Towne Bank	$1,664,805,000	-36%	$348,358
2023	5493009BD405QQTMXO12	TBI MORTGAGE COMPANY	$1,664,065,000	-16%	$510,920
2023	254900NTAC4H10MGSU23	Summit Credit Union	$1,659,525,000	-8%	$132,138
2023	5493001PXRJMPLXPG540	IDAHO CENTRAL	$1,658,870,000	-44%	$219,660
2023	T68X8LLAQYRNDV034K14	United Community Bank	$1,649,525,000	-36%	$235,950
2023	01J4SO3XTWZF4PP38209	Trustmark National Bank	$1,645,725,000	-34%	$181,587
2023	CKVBED0S4DMLKJJ5XH28	Stifel Bank and Trust	$1,641,705,000	-50%	$471,077
2023	549300ZJIC4LOLZH0M42	THE GOLDEN 1	$1,625,220,000	-39%	$323,878
2023	549300GTVXJ2PGXNLM73	T2 FINANCIAL LLC	$1,622,840,000	-16%	$301,755
2023	5493001XKL0FTNOJ0866	GENEVA FINANCIAL, LLC	$1,622,830,000	-18%	$260,152
2023	ZF85QS7OXKPBG52R7N18	Associated Bank	$1,607,320,000	-63%	$262,806
2023	KD3XUN7C6T14HNAYLU02	Goldman Sachs Bank USA	$1,607,195,000	-50%	$2,100,908
2023	54930049L5WINET09Q97	MID AMERICA MORTGAGE, INC.	$1,581,170,000	-41%	$223,014
2023	549300JPGMCMBEJEK584	DIGITAL Federal Credit Union	$1,577,700,000	-19%	$286,230
2023	54930060G4MDPWHISD89	EVERGREEN MONEYSOURCE MORTGAGE COMPANY	$1,573,810,000	-42%	$389,364
2023	549300HIVO8XPBPNVG69	NOVA FINANCIAL & INVESTMENT CORPORATION	$1,573,010,000	-44%	$322,338
2023	IFQSIUC9AGQV2NE8CN25	Umpqua Bank	$1,566,455,000	-78%	$292,304
2023	549300370QILXLFUWD20	ZILLOW HOME LOANS, LLC	$1,551,320,000	0%	$296,506
2023	254900FBWEZ3YUPOBN33	LIMA ONE CAPITAL, LLC	$1,550,730,000	-6%	$394,588
2023	2549004FXPNKCLIN8250	S1L, Inc.	$1,550,105,000	-45%	$370,219
2023	549300JZD4L02YZI3Z50	NJ LENDERS CORP.	$1,528,380,000	-18%	$435,436
2023	FU7RSW4CQQY98A2O7J66	BOKF	$1,513,365,000	-32%	$270,485
2023	254900O2K17TNH5CL873	RF Renovo Management Company, LLC	$1,510,050,000	20%	$507,751
2023	549300QKL5FUBZ8LSF50	NATIONS DIRECT MORTGAGE, LLC	$1,508,475,000	-24%	$402,367
2023	549300SUCQ1358EGVE89	NEW DAY FINANCIAL, LLC	$1,493,900,000	-50%	$263,474
2023	549300VNBQD8FDHF7563	MORTGAGE INVESTORS GROUP, INC.	$1,481,725,000	-25%	$279,413
2023	C4BXATY60WC6XEOZDX54	Metropolitan Life Insurance Co	$1,474,495,000	-72%	$58,979,800
2023	254900DTLHVWQ7NP7R34	The Loan Store, Inc.	$1,465,525,000	2,183%	$358,231
2023	6GK3WNTSHBNJOVP1LV97	Ent Credit Union	$1,464,685,000	-40%	$178,164
2023	549300NJVKCDJA5YC939	HOMEOWNERS FINANCIAL GROUP USA, LLC	$1,452,180,000	-30%	$317,625
2023	549300SK2GVCQXPD4S58	SUN WEST MORTGAGE COMPANY, INC.	$1,445,790,000	-29%	$279,650
2023	549300OQMU3ID8QA6M46	VELOCIO MORTGAGE L.L.C.	$1,432,880,000	29%	$355,730
2023	549300T9P3WXNMXX0I34	Ixonia Bank	$1,426,990,000	76%	$258,513
2023	5493000NYUJT9UC6G261	LEADERONE FINANCIAL CORPORATION	$1,426,745,000	-14%	$267,933
2023	549300EKFFG3BU8DNX74	NEXERA HOLDING LLC	$1,423,580,000	-10%	$512,079
2023	549300MCPCNPQAOB4032	GMFS LLC	$1,420,285,000	-40%	$270,788
2023	254900JXCS783CPF1D02	RCN Capital, LLC	$1,383,775,000	-3%	$200,112
2023	549300ESRQ6OLBB56N04	Glacier Bank	$1,381,710,000	-50%	$356,662
2023	WE0I402RW25AU38DTI13	Banner Bank	$1,379,270,000	-31%	$464,714
2023	549300CLRXFVF83ZL806	NATIONWIDE MORTGAGE BANKERS, INC.	$1,374,865,000	-25%	$389,591
2023	ZXMJHJK466PBZTM5F379	Raymond James Bank	$1,369,545,000	-33%	$902,798
2023	549300BM4NS8HDJT3X28	INTERCOASTAL MORTGAGE COMPANY	$1,355,765,000	-38%	$449,673
2023	5493003V40VGM7YDFM54	FIRST COLONY MORTGAGE CORPORATION	$1,347,175,000	-27%	$369,393
2023	549300QR0KFPEDZPEI42	STOCKTON MORTGAGE CORPORATION	$1,330,750,000	-4%	$232,649
2023	549300VJQJVZKJBDWS17	TOTAL MORTGAGE SERVICES, LLC	$1,311,265,000	-25%	$280,005
2023	549300KSOOZZVXCMA627	ANGEL OAK MORTGAGE SOLUTIONS LLC	$1,309,750,000	-61%	$429,426
2023	5493008N1D96CHCTQC27	SECURITY SERVICE	$1,303,985,000	-32%	$234,572
2023	549300TYV7NDBX6FUR63	JET HOMELOANS, LLC	$1,296,060,000	50%	$412,233
2023	MV4O55SH8HO6KQSGW013	First Financial Bank	$1,286,245,000	-13%	$212,849
2023	549300RA3E0BUFO7YZ21	Hometown Equity Mortgage, LLC	$1,279,080,000	-24%	$421,582
2023	5493007CXTOHZ2JBEJ61	THE MORTGAGE FIRM, INC.	$1,278,825,000	-46%	$300,264
2023	549300PBTV7FCWLSMM53	MORTGAGE SOLUTIONS OF COLORADO, LLC	$1,278,715,000	-29%	$278,405
2023	549300J6N77Q8OHYNF23	ENVOY MORTGAGE, LTD	$1,278,315,000	-47%	$330,399
2023	337KMNHEWWWR6B7Q7W10	MidFirst Bank	$1,271,465,000	-32%	$560,364
2023	5493004N9PMBSLEZOF16	K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.	$1,264,310,000	8%	$423,129
2023	549300CB67L6KPJLHE19	TRIAD FINANCIAL SERVICES, INC.	$1,260,250,000	2%	$101,290
2023	TR24TWEY5RVRQV65HD49	Santander Bank, N.A.	$1,252,640,000	-65%	$17,894,857
2023	S0Q3AHZRL5K6VQE35M07	First Merchants Bank	$1,244,965,000	-17%	$216,931
2023	2549006II76YXSS5XM65	George Mason Mortgage, LLC	$1,236,000,000	-52%	$413,378
2023	549300LLKEKXL2RM1F61	CONTOUR MORTGAGE CORPORATION	$1,227,425,000	-15%	$411,749
2023	549300EMNDEK4BA8WB53	EMM LOANS LLC	$1,218,440,000	-22%	$305,987
2023	549300T3F9S1MKFKHC53	HOMESTEAD FUNDING CORP.	$1,217,880,000	-34%	$254,043
2023	5493009V3WNJX9V2GZ85	FirstBank	$1,202,120,000	-67%	$350,472
2023	254900HA4DQWAE0W3342	AmeriHome Mortgage Company, LLC	$1,192,815,000	-49%	$322,819
2023	2549008LK3474E9U2888	OnPoint Community Credit Union	$1,192,395,000	-31%	$169,398
2023	70WY0ID1N53Q4254VH70	Comerica Bank	$1,183,585,000	-58%	$293,039
2023	5493006JISETNI0GLE61	Farm Credit Mid-America, ACA	$1,170,785,000	-2%	$358,367
2023	TKT6FH38184ZYBTPKS77	Rockland Trust Company	$1,169,900,000	-33%	$385,851
2023	5493002Y5XYV7DV1ZV88	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	$1,160,060,000	-25%	$285,307
2023	549300Q02LGIN9AXKP98	FIRST TECHNOLOGY	$1,145,825,000	-63%	$343,164
2023	549300RYBJHWWDENV610	Alcova Mortgage LLC	$1,127,690,000	-28%	$265,965
2023	G5AHTAP80NWA3Q8RDC78	Frost Bank	$1,125,855,000	-11%	$164,286
2023	54930048P8RWCQHQM310	ARC HOME LLC	$1,120,235,000	-33%	$457,799
2023	254900CN1DD55MJDFH69	University of Wisconsin Credit Union	$1,117,495,000	-25%	$138,082
2023	549300VCMRO4ST680C11	VILLAGE CAPITAL MORTGAGE	$1,113,625,000	-1%	$311,678
2023	X8V2II80XTQHRH7NCB19	Eastern Bank	$1,111,405,000	-47%	$378,931
2023	549300C04BJ0G297NC13	Ally Bank	$1,101,585,000	-69%	$407,542
2023	549300623VT8YKPHWM78	ANCHOR LOANS, LP	$1,092,420,000	-28%	$768,228
2023	549300B4IYL7TZT8FA34	PREMIER MORTGAGE RESOURCES, L.L.C.	$1,091,275,000	-30%	$334,234
2023	549300DCGBXW5FJMV921	NMSI, INC.	$1,086,205,000	-34%	$527,028
2023	549300XECJ0294F1ZG19	MATTAMY HOME FUNDING, LLC	$1,082,290,000	28%	$405,960
2023	254900XN7UWEWK13RO81	Premium Mortgage Corporation	$1,078,235,000	-7%	$228,295
2023	Q708HHR4LD2B7XIZNO92	First Federal Bank	$1,067,005,000	-21%	$334,589
2023	549300T94GSH3C4U5M59	ALLIANT CREDIT UNION	$1,044,980,000	-47%	$183,911
2023	549300NOCASXPA34X033	LAKEVIEW LOAN SERVICING, LLC	$1,036,615,000	-79%	$250,209
2023	NSGZD26XPW2CUM2JKU70	Hancock Whitney Bank	$1,033,830,000	-51%	$283,552
2023	VNOO6EITDJ2YUEBMSZ83	UMB Bank	$1,028,895,000	-30%	$445,216
2023	5493001XZBZCQEIYKY53	CENTER STREET LENDING VIII, LLC	$1,024,835,000	7%	$965,914
2023	549300D4ZYLSQ5LMTV35	ABSOLUTE HOME MORTGAGE CORPORATION	$1,021,985,000	-32%	$325,369
2023	XJCRTTYJVBMA22IXL619	Bank of Hawaii	$1,021,080,000	-56%	$564,757
2023	549300IVURCTJ6QVMD67	First Financial Bank	$1,020,270,000	-18%	$267,928
2023	2549009X2AG1P20YAJ63	Axos Bank	$1,009,190,000	-54%	$1,297,159
2023	5493000BR75YQF0VQC27	HOMESTAR FINANCIAL CORPORATION	$1,003,525,000	-60%	$261,539

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
2023	Aberdeen, SD	470	-42%	$93,990,000	-53%	$199,979
2023	Aberdeen, WA	1,694	-38%	$427,470,000	-60%	$252,344
2023	ABILENE, TX	3,012	-20%	$653,490,000	-21%	$216,962
2023	Ada, OK	494	-29%	$84,280,000	-29%	$170,607
2023	Adrian, MI	1,877	-32%	$279,695,000	-49%	$149,012
2023	AGUADILLA-ISABELA, PR	754	-28%	$117,010,000	-24%	$155,186
2023	AKRON, OH	14,448	-29%	$2,695,510,000	-31%	$186,566
2023	Alamogordo, NM	859	-30%	$171,115,000	-26%	$199,203
2023	ALBANY, GA	1,932	-24%	$353,320,000	-28%	$182,878
2023	ALBANY-LEBANON, OR	2,302	-40%	$952,500,000	-17%	$413,771
2023	ALBANY-SCHENECTADY-TROY, NY	16,162	-29%	$3,502,520,000	-36%	$216,713
2023	Albemarle, NC	1,916	-22%	$394,830,000	-22%	$206,070
2023	Albert Lea, MN	426	-25%	$59,030,000	-29%	$138,568
2023	Albertville, AL	1,839	-26%	$362,955,000	-28%	$197,365
2023	ALBUQUERQUE, NM	17,225	-28%	$4,317,145,000	-29%	$250,633
2023	Alexander City, AL	908	-26%	$262,170,000	-24%	$288,733
2023	ALEXANDRIA, LA	2,018	-26%	$374,510,000	-22%	$185,585
2023	Alexandria, MN	650	-28%	$148,690,000	-34%	$228,754
2023	Alice, TX	335	-17%	$66,115,000	-13%	$197,358
2023	ALLENTOWN-BETHLEHEM-EASTON, PA-NJ	15,999	-29%	$3,478,155,000	-33%	$217,398
2023	Alma, MI	579	-28%	$79,205,000	-26%	$136,796
2023	Alpena, MI	252	-25%	$35,070,000	-23%	$139,167
2023	ALTOONA, PA	2,007	-32%	$248,585,000	-42%	$123,859
2023	Altus, OK	384	-15%	$71,540,000	-12%	$186,302
2023	AMARILLO, TX	4,500	-24%	$943,360,000	-31%	$209,636
2023	Americus, GA	363	-16%	$49,585,000	-18%	$136,598
2023	AMES, IA	2,049	-23%	$394,985,000	-30%	$192,770
2023	Amsterdam, NY	688	-23%	$103,500,000	-15%	$150,436
2023	ANCHORAGE, AK	6,247	-34%	$2,132,615,000	-31%	$341,382
2023	Andrews, TX	227	-22%	$55,155,000	-14%	$242,974
2023	Angola, IN	735	-38%	$154,105,000	-38%	$209,667
2023	ANN ARBOR, MI	5,716	-33%	$2,059,910,000	-25%	$360,376
2023	ANNISTON-OXFORD, AL	1,786	-25%	$276,060,000	-28%	$154,569
2023	APPLETON, WI	5,334	-34%	$1,027,270,000	-36%	$192,589
2023	Arcadia, FL	401	-22%	$97,345,000	-14%	$242,756
2023	Ardmore, OK	872	-26%	$142,220,000	-29%	$163,096
2023	Arecibo, PR	618	-2%	$75,530,000	5%	$122,217
2023	Arkadelphia, AR	285	-19%	$39,225,000	-33%	$137,632
2023	ASHEVILLE, NC	9,596	-35%	$2,815,300,000	-40%	$293,383
2023	Ashland, OH	924	-31%	$142,560,000	-29%	$154,286
2023	Ashtabula, OH	1,550	-26%	$209,920,000	-30%	$135,432
2023	Astoria, OR	846	-40%	$271,920,000	-46%	$321,418
2023	Atchison, KS	263	-18%	$36,285,000	-18%	$137,966
2023	Athens, OH	448	-28%	$76,350,000	-45%	$170,424
2023	Athens, TN	1,150	-20%	$223,300,000	-19%	$194,174
2023	Athens, TX	1,499	-30%	$428,535,000	-33%	$285,881
2023	ATHENS-CLARKE COUNTY, GA	3,354	-29%	$887,870,000	-34%	$264,720
2023	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	127,182	-30%	$41,343,790,000	-33%	$325,076
2023	ATLANTIC CITY-HAMMONTON, NJ	5,063	-27%	$1,408,635,000	-28%	$278,221
2023	Atmore, AL	445	-22%	$64,855,000	-24%	$145,742
2023	Auburn, IN	1,014	-26%	$153,830,000	-27%	$151,706
2023	Auburn, NY	1,140	-19%	$161,260,000	-20%	$141,456
2023	AUBURN-OPELIKA, AL	3,622	-27%	$1,036,600,000	-29%	$286,195
2023	AUGUSTA-RICHMOND COUNTY, GA-SC	11,891	-24%	$2,797,895,000	-29%	$235,295
2023	Augusta-Waterville, ME	2,590	-27%	$523,120,000	-26%	$201,977
2023	Austin, MN	646	-23%	$99,690,000	-20%	$154,319
2023	AUSTIN-ROUND ROCK-GEORGETOWN, TX	46,271	-36%	$20,892,315,000	-38%	$451,521
2023	Bainbridge, GA	282	-31%	$50,490,000	-32%	$179,043
2023	BAKERSFIELD, CA	11,743	-39%	$3,150,245,000	-42%	$268,266
2023	BALTIMORE-COLUMBIA-TOWSON, MD	47,398	-34%	$14,733,890,000	-37%	$310,855
2023	BANGOR, ME	2,899	-25%	$530,465,000	-27%	$182,982
2023	Baraboo, WI	1,467	-21%	$246,235,000	-31%	$167,849
2023	Bardstown, KY	997	-19%	$184,405,000	-21%	$184,960
2023	BARNSTABLE TOWN, MA	6,537	-38%	$2,531,355,000	-41%	$387,235
2023	Barre, VT	1,067	-33%	$230,015,000	-37%	$215,572
2023	Bartlesville, OK	969	-22%	$170,135,000	-23%	$175,578
2023	Batavia, NY	919	-25%	$140,125,000	-18%	$152,476
2023	Batesville, AR	914	-22%	$131,290,000	-20%	$143,643
2023	BATON ROUGE, LA	12,474	-35%	$3,080,200,000	-38%	$246,930
2023	BATTLE CREEK, MI	2,792	-22%	$408,280,000	-24%	$146,232
2023	BAY CITY, MI	1,802	-28%	$225,590,000	-32%	$125,189
2023	Bay City, TX	397	-21%	$92,295,000	-31%	$232,481
2023	Beatrice, NE	377	-27%	$58,355,000	-24%	$154,788
2023	BEAUMONT-PORT ARTHUR, TX	5,032	-25%	$1,037,900,000	-27%	$206,260
2023	Beaver Dam, WI	2,018	-19%	$300,320,000	-27%	$148,821
2023	BECKLEY, WV	1,415	-18%	$192,145,000	-25%	$135,792
2023	Bedford, IN	1,013	-18%	$153,995,000	-18%	$152,019
2023	Beeville, TX	234	-9%	$39,780,000	-12%	$170,000
2023	Bellefontaine, OH	925	-25%	$149,885,000	-35%	$162,038
2023	BELLINGHAM, WA	3,937	-36%	$1,411,685,000	-59%	$358,569
2023	Bemidji, MN	531	-19%	$97,385,000	-16%	$183,399
2023	BEND, OR	5,298	-40%	$1,986,370,000	-46%	$374,928
2023	Bennettsville, SC	169	-12%	$21,455,000	-20%	$126,953
2023	Bennington, VT	429	-37%	$125,795,000	-38%	$293,228
2023	Berlin, NH	588	-25%	$108,960,000	-25%	$185,306
2023	Big Rapids, MI	781	-30%	$126,485,000	-28%	$161,953
2023	Big Spring, TX	351	-31%	$68,865,000	-37%	$196,197
2023	Big Stone Gap, VA	394	-20%	$45,560,000	-26%	$115,635
2023	BILLINGS, MT	3,676	-33%	$1,011,870,000	-36%	$275,264
2023	BINGHAMTON, NY	3,086	-29%	$425,110,000	-31%	$137,754
2023	BIRMINGHAM-HOOVER, AL	22,312	-27%	$5,450,240,000	-27%	$244,274
2023	BISMARCK, ND	2,429	-30%	$650,595,000	-29%	$267,845
2023	Blackfoot, ID	950	-35%	$210,630,000	-34%	$221,716
2023	BLACKSBURG-CHRISTIANSBURG, VA	2,316	-30%	$551,850,000	-26%	$238,277
2023	BLOOMINGTON, IL	2,987	-25%	$562,975,000	-26%	$188,475
2023	BLOOMINGTON, IN	2,821	-29%	$862,365,000	-21%	$305,695
2023	BLOOMSBURG-BERWICK, PA	1,272	-26%	$213,900,000	-36%	$168,160
2023	Bluefield, WV-VA	1,074	-22%	$159,600,000	-24%	$148,603
2023	Bluffton, IN	661	-28%	$110,675,000	-14%	$167,436
2023	Blytheville, AR	391	-24%	$52,615,000	-24%	$134,565
2023	Bogalusa, LA	509	-12%	$71,615,000	-15%	$140,697
2023	BOISE CITY, ID	19,837	-39%	$6,288,065,000	-41%	$316,987
2023	Bonham, TX	606	-31%	$139,780,000	-37%	$230,660
2023	Boone, NC	1,123	-34%	$390,185,000	-35%	$347,449
2023	Borger, TX	275	-22%	$40,385,000	-10%	$146,855
2023	Boston-Cambridge-Newton, MA-NH	74,364	-38%	$33,515,910,000	-43%	$450,701
2023	BOULDER, CO	5,691	-40%	$2,930,045,000	-36%	$514,856
2023	BOWLING GREEN, KY	3,704	-27%	$843,240,000	-38%	$227,657
2023	Bozeman, MT	2,085	-41%	$1,164,895,000	-48%	$558,703
2023	Bradford, PA	384	-16%	$49,790,000	-3%	$129,661
2023	Brainerd, MN	2,089	-32%	$513,125,000	-39%	$245,632
2023	Branson, MO	1,081	-37%	$239,795,000	-39%	$221,827
2023	Breckenridge, CO	1,174	-42%	$774,930,000	-45%	$660,077
2023	BREMERTON-SILVERDALE-PORT ORCHARD, WA	5,816	-40%	$2,154,170,000	-66%	$370,387
2023	Brenham, TX	535	-29%	$172,785,000	-30%	$322,963
2023	Brevard, NC	689	-37%	$191,715,000	-48%	$278,251
2023	BRIDGEPORT-STAMFORD-NORWALK, CT	14,277	-38%	$7,547,275,000	-44%	$528,632
2023	Brookhaven, MS	411	-25%	$54,985,000	-30%	$133,783
2023	Brookings, OR	362	-40%	$105,550,000	-37%	$291,575
2023	Brookings, SD	441	-18%	$90,135,000	-30%	$204,388
2023	Brownsville, TN	234	-9%	$35,300,000	-14%	$150,855
2023	BROWNSVILLE-HARLINGEN, TX	3,567	-21%	$884,695,000	-14%	$248,022
2023	Brownwood, TX	456	-13%	$85,220,000	-25%	$186,886
2023	BRUNSWICK, GA	2,371	-22%	$724,855,000	-27%	$305,717
2023	Bucyrus-Galion, OH	650	-27%	$76,020,000	-28%	$116,954
2023	BUFFALO-CHEEKTOWAGA, NY	18,089	-26%	$4,056,895,000	-21%	$224,274
2023	Burley, ID	991	-29%	$187,405,000	-35%	$189,107
2023	Burlington, IA-IL	530	-28%	$61,360,000	-40%	$115,774
2023	BURLINGTON, NC	4,182	-23%	$941,610,000	-18%	$225,158
2023	BURLINGTON-SOUTH BURLINGTON, VT	4,212	-35%	$1,082,330,000	-40%	$256,963
2023	Butte-Silver Bow, MT	584	-31%	$119,130,000	-35%	$203,990
2023	Cadillac, MI	903	-29%	$142,555,000	-24%	$157,868
2023	Calhoun, GA	1,201	-25%	$249,565,000	-21%	$207,798
2023	CALIFORNIA-LEXINGTON PARK, MD	2,201	-33%	$714,705,000	-35%	$324,718
2023	Cambridge, MD	697	-23%	$157,085,000	-23%	$225,373
2023	Cambridge, OH	656	-27%	$89,420,000	-26%	$136,311
2023	Camden, AR	331	-15%	$43,285,000	-7%	$130,770
2023	Campbellsville, KY	455	-22%	$63,505,000	-27%	$139,571
2023	Cañon City, CO	1,017	-34%	$233,495,000	-34%	$229,592
2023	CANTON-MASSILLON, OH	8,061	-28%	$1,244,145,000	-31%	$154,341
2023	CAPE CORAL-FORT MYERS, FL	20,996	-29%	$6,926,070,000	-28%	$329,876
2023	CAPE GIRARDEAU, MO-IL	1,671	-25%	$312,695,000	-32%	$187,130
2023	CARBONDALE-MARION, IL	1,763	-21%	$258,625,000	-30%	$146,696
2023	Carlsbad-Artesia, NM	790	-26%	$178,030,000	-23%	$225,354
2023	Carroll, IA	206	-36%	$30,590,000	-34%	$148,495
2023	CARSON CITY, NV	861	-40%	$253,505,000	-44%	$294,431
2023	CASPER, WY	1,606	-30%	$339,890,000	-30%	$211,638
2023	Cedar City, UT	1,719	-32%	$443,365,000	-34%	$257,920
2023	CEDAR RAPIDS, IA	7,202	-32%	$1,118,330,000	-35%	$155,280
2023	Cedartown, GA	750	-22%	$138,640,000	-24%	$184,853
2023	Celina, OH	397	-23%	$60,775,000	-26%	$153,086
2023	Central City, KY	423	-31%	$48,555,000	-36%	$114,787
2023	Centralia, IL	495	-15%	$51,855,000	-24%	$104,758
2023	Centralia, WA	1,778	-39%	$478,750,000	-40%	$269,263
2023	CHAMBERSBURG-WAYNESBORO, PA	3,099	-25%	$585,675,000	-27%	$188,988
2023	CHAMPAIGN-URBANA, IL	3,138	-25%	$818,700,000	-27%	$260,899
2023	CHARLESTON, WV	3,283	-20%	$458,845,000	-30%	$139,764
2023	Charleston-Mattoon, IL	609	-5%	$81,665,000	-3%	$134,097
2023	CHARLESTON-NORTH CHARLESTON, SC	21,589	-28%	$8,158,235,000	-31%	$377,889
2023	CHARLOTTE-CONCORD-GASTONIA, NC-SC	67,687	-30%	$21,690,445,000	-32%	$320,452
2023	CHARLOTTESVILLE, VA	4,025	-32%	$1,349,075,000	-33%	$335,174
2023	CHATTANOOGA, TN-GA	12,407	-29%	$3,199,165,000	-34%	$257,852
2023	CHEYENNE, WY	2,547	-31%	$659,225,000	-31%	$258,824
2023	Chicago-Naperville-Elgin, IL-IN-WI	143,322	-31%	$41,986,010,000	-35%	$292,949
2023	CHICO, CA	2,548	-42%	$725,090,000	-47%	$284,572
2023	Chillicothe, OH	1,189	-21%	$190,005,000	-21%	$159,802
2023	CINCINNATI, OH-KY-IN	47,987	-31%	$10,952,435,000	-31%	$228,238
2023	Clarksburg, WV	1,178	-22%	$207,880,000	-22%	$176,469
2023	Clarksdale, MS	125	-18%	$13,955,000	-14%	$111,640
2023	CLARKSVILLE, TN-KY	8,756	-28%	$2,303,110,000	-32%	$263,032
2023	Clearlake, CA	949	-41%	$223,605,000	-45%	$235,622
2023	Cleveland, MS	266	-19%	$36,730,000	-25%	$138,083
2023	CLEVELAND, TN	2,516	-26%	$531,660,000	-31%	$211,312
2023	CLEVELAND-ELYRIA, OH	40,859	-29%	$7,967,805,000	-30%	$195,007
2023	Clewiston, FL	802	-18%	$181,370,000	-17%	$226,147
2023	Clinton, IA	591	-39%	$74,565,000	-47%	$126,168
2023	Clovis, NM	652	-37%	$127,770,000	-39%	$195,966
2023	Coamo, PR	103	-3%	$12,575,000	3%	$122,087
2023	Coco, PR	75	-16%	$8,325,000	-7%	$111,000
2023	Coffeyville, KS	407	-15%	$47,995,000	-19%	$117,924
2023	Coldwater, MI	719	-29%	$112,215,000	-41%	$156,071
2023	COLLEGE STATION-BRYAN, TX	3,537	-30%	$1,097,505,000	-37%	$310,293
2023	COLORADO SPRINGS, CO	19,857	-40%	$6,684,365,000	-42%	$336,625
2023	COLUMBIA, MO	3,801	-26%	$885,935,000	-38%	$233,079
2023	COLUMBIA, SC	17,877	-25%	$3,997,985,000	-30%	$223,638
2023	COLUMBUS, GA-AL	4,745	-26%	$997,075,000	-34%	$210,132
2023	COLUMBUS, IN	2,079	-23%	$398,875,000	-28%	$191,859
2023	Columbus, MS	881	-24%	$156,445,000	-24%	$177,577
2023	Columbus, NE	514	-27%	$95,430,000	-40%	$185,661
2023	COLUMBUS, OH	46,329	-29%	$12,930,825,000	-28%	$279,109
2023	Concord, NH	2,840	-35%	$804,920,000	-33%	$283,423
2023	Connersville, IN	463	-28%	$59,825,000	-15%	$129,212
2023	Cookeville, TN	1,980	-28%	$409,080,000	-32%	$206,606
2023	Coos Bay, OR	1,183	-32%	$278,235,000	-35%	$235,194
2023	Cordele, GA	173	-40%	$35,645,000	-24%	$206,040
2023	Corinth, MS	430	-19%	$62,480,000	-19%	$145,302
2023	Cornelia, GA	880	-24%	$201,780,000	-31%	$229,295
2023	Corning, NY	1,488	-24%	$183,070,000	-36%	$123,031
2023	CORPUS CHRISTI, TX	5,971	-26%	$1,760,745,000	-28%	$294,883
2023	Corsicana, TX	731	-24%	$362,075,000	58%	$495,315
2023	Cortland, NY	618	-24%	$92,230,000	-19%	$149,239
2023	CORVALLIS, OR	1,111	-44%	$367,325,000	-44%	$330,626
2023	Coshocton, OH	580	2%	$75,450,000	-5%	$130,086
2023	Craig, CO	238	-39%	$51,320,000	-38%	$215,630
2023	Crawfordsville, IN	854	-26%	$131,510,000	-25%	$153,993
2023	Crescent City, CA	268	-44%	$74,290,000	-42%	$277,201
2023	CRESTVIEW-FORT WALTON BEACH-DESTIN, FL	9,108	-35%	$4,050,730,000	-38%	$444,744
2023	Crossville, TN	1,149	-27%	$243,445,000	-25%	$211,876
2023	Cullman, AL	1,711	-23%	$383,965,000	-20%	$224,410
2023	Cullowhee, NC	995	-35%	$335,335,000	-42%	$337,020
2023	CUMBERLAND, MD-WV	1,357	-30%	$176,925,000	-32%	$130,380
2023	Dallas-Fort Worth-Arlington, TX	136,668	-27%	$53,965,600,000	-29%	$394,866
2023	DALTON, GA	2,017	-27%	$435,985,000	-14%	$216,155
2023	DANVILLE, IL	900	-14%	$91,230,000	-17%	$101,367
2023	Danville, KY	858	-20%	$137,470,000	-22%	$160,221
2023	Danville, VA	1,332	-17%	$211,000,000	-27%	$158,408
2023	DAPHNE-FAIRHOPE-FOLEY, AL	7,900	-28%	$2,322,690,000	-31%	$294,011
2023	DAVENPORT-MOLINE-ROCK ISLAND, IA-IL	7,176	-33%	$1,106,000,000	-36%	$154,125
2023	Dayton, TN	569	-29%	$120,345,000	-29%	$211,503
2023	DAYTON-KETTERING, OH	16,518	-25%	$3,105,590,000	-30%	$188,012
2023	DECATUR, AL	2,996	-25%	$559,330,000	-27%	$186,692
2023	DECATUR, IL	1,455	-19%	$176,325,000	-21%	$121,186
2023	Decatur, IN	647	-29%	$86,995,000	-29%	$134,459
2023	Defiance, OH	696	-19%	$93,560,000	-16%	$134,425
2023	Del Rio, TX	537	-25%	$114,095,000	-25%	$212,467
2023	DELTONA-DAYTONA BEACH-ORMOND BEACH, FL	18,465	-25%	$4,934,505,000	-28%	$267,236
2023	Deming, NM	189	-21%	$24,235,000	-25%	$128,228
2023	DENVER-AURORA-LAKEWOOD, CO	68,370	-40%	$28,268,800,000	-40%	$413,468
2023	DeRidder, LA	578	-25%	$103,410,000	-26%	$178,910
2023	DES MOINES-WEST DES MOINES, IA	18,075	-29%	$3,900,575,000	-35%	$215,799
2023	Detroit-Warren-Dearborn, MI	78,922	-31%	$16,176,010,000	-35%	$204,962
2023	Dickinson, ND	574	-26%	$152,440,000	-29%	$265,575
2023	Dixon, IL	361	-28%	$49,415,000	-25%	$136,884
2023	Dodge City, KS	326	-13%	$61,720,000	-5%	$189,325
2023	DOTHAN, AL	2,908	-17%	$510,540,000	-22%	$175,564
2023	Douglas, GA	358	-15%	$62,140,000	-12%	$173,575
2023	DOVER, DE	4,121	-30%	$1,039,085,000	-27%	$252,144
2023	Dublin, GA	620	-31%	$101,030,000	-37%	$162,952
2023	DuBois, PA	1,326	-27%	$155,510,000	-29%	$117,278
2023	DUBUQUE, IA	2,328	-25%	$373,080,000	-28%	$160,258
2023	DULUTH, MN-WI	5,506	-21%	$1,141,900,000	-23%	$207,392
2023	Dumas, TX	190	-25%	$33,490,000	-23%	$176,263
2023	Duncan, OK	770	-20%	$105,020,000	-21%	$136,390
2023	Durango, CO	1,087	-39%	$415,235,000	-45%	$382,001
2023	Durant, OK	873	-24%	$159,135,000	-28%	$182,285
2023	DURHAM-CHAPEL HILL, NC	13,265	-34%	$4,212,375,000	-34%	$317,556
2023	Dyersburg, TN	576	-11%	$82,980,000	-11%	$144,063
2023	Eagle Pass, TX	451	-18%	$78,765,000	-17%	$174,645
2023	Easton, MD	689	-32%	$267,765,000	-43%	$388,628
2023	EAST STROUDSBURG, PA	3,931	-32%	$877,115,000	-28%	$223,128
2023	EAU CLAIRE, WI	3,427	-30%	$801,515,000	-24%	$233,882
2023	Edwards, CO	1,181	-45%	$960,285,000	-50%	$813,112
2023	Effingham, IL	343	-31%	$56,715,000	-33%	$165,350
2023	El Campo, TX	360	-30%	$76,770,000	-35%	$213,250
2023	EL CENTRO, CA	1,321	-45%	$397,855,000	-36%	$301,177
2023	El Dorado, AR	432	-29%	$68,100,000	-27%	$157,639
2023	Elizabeth City, NC	1,181	-27%	$247,935,000	-33%	$209,936
2023	ELIZABETHTOWN-FORT KNOX, KY	3,637	-23%	$812,245,000	-20%	$223,328
2023	Elk City, OK	242	-23%	$41,310,000	-17%	$170,702
2023	ELKHART-GOSHEN, IN	4,294	-28%	$658,460,000	-34%	$153,344
2023	Elkins, WV	187	-25%	$45,315,000	12%	$242,326
2023	Elko, NV	894	-31%	$230,590,000	-33%	$257,931
2023	Ellensburg, WA	1,004	-43%	$445,530,000	-48%	$443,755
2023	ELMIRA, NY	1,326	-22%	$167,040,000	-43%	$125,973
2023	EL PASO, TX	10,425	-23%	$2,444,585,000	-18%	$234,493
2023	Emporia, KS	408	-1%	$70,680,000	-2%	$173,235
2023	ENID, OK	913	-13%	$136,115,000	-23%	$149,085
2023	Enterprise, AL	1,207	-28%	$246,225,000	-27%	$203,998
2023	ERIE, PA	4,286	-23%	$620,820,000	-33%	$144,848
2023	Escanaba, MI	172	-30%	$28,620,000	-26%	$166,395
2023	Española, NM	286	-34%	$61,560,000	-34%	$215,245
2023	Eufaula, AL-GA	249	-16%	$33,655,000	-27%	$135,161
2023	EUGENE-SPRINGFIELD, OR	6,416	-39%	$1,664,910,000	-49%	$259,493
2023	Eureka-Arcata, CA	1,002	-47%	$293,630,000	-50%	$293,044
2023	Evanston, WY	296	-26%	$68,430,000	-27%	$231,182
2023	EVANSVILLE, IN-KY	6,555	-28%	$1,163,005,000	-28%	$177,423
2023	FAIRBANKS, AK	1,380	-35%	$378,770,000	-37%	$274,471
2023	Fairfield, IA	248	-18%	$33,930,000	-15%	$136,815
2023	Fairmont, MN	249	-19%	$36,785,000	-19%	$147,731
2023	Fairmont, WV	840	-23%	$130,380,000	-24%	$155,214
2023	Fallon, NV	456	-39%	$120,870,000	-40%	$265,066
2023	FARGO, ND-MN	4,915	-25%	$1,158,295,000	-36%	$235,665
2023	Faribault-Northfield, MN	1,047	-30%	$225,355,000	-38%	$215,239
2023	Farmington, MO	1,223	-19%	$200,845,000	-24%	$164,223
2023	FARMINGTON, NM	1,269	-28%	$232,545,000	-34%	$183,251
2023	FAYETTEVILLE, NC	13,093	-22%	$3,074,505,000	-21%	$234,821
2023	FAYETTEVILLE-SPRINGDALE-ROGERS, AR	14,018	-23%	$4,228,310,000	-18%	$301,634
2023	Fergus Falls, MN	1,072	-24%	$218,410,000	-27%	$203,741
2023	Fernley, NV	1,417	-37%	$378,695,000	-39%	$267,251
2023	Findlay, OH	1,340	-33%	$228,710,000	-37%	$170,679
2023	Fitzgerald, GA	152	-17%	$50,530,000	124%	$332,434
2023	FLAGSTAFF, AZ	2,082	-43%	$879,810,000	-47%	$422,579
2023	FLINT, MI	7,250	-26%	$1,090,930,000	-33%	$150,473
2023	FLORENCE, SC	2,714	-25%	$555,640,000	-23%	$204,731
2023	FLORENCE-MUSCLE SHOALS, AL	3,062	-28%	$562,280,000	-28%	$183,632
2023	FOND DU LAC, WI	2,189	-24%	$342,225,000	-26%	$156,339
2023	Forest City, NC	1,279	-33%	$238,155,000	-38%	$186,204
2023	Forrest City, AR	135	-12%	$16,415,000	-61%	$121,593
2023	FORT COLLINS, CO	8,218	-39%	$2,931,040,000	-38%	$356,661
2023	Fort Dodge, IA	546	-32%	$67,250,000	-39%	$123,168
2023	Fort Leonard Wood, MO	968	-30%	$179,100,000	-35%	$185,021
2023	Fort Madison-Keokuk, IA-IL-MO	398	-29%	$49,590,000	-21%	$124,598
2023	Fort Morgan, CO	528	-36%	$125,840,000	-36%	$238,333
2023	Fort Payne, AL	892	-14%	$145,310,000	-15%	$162,904
2023	Fort Polk South, LA	569	-25%	$106,585,000	-22%	$187,320
2023	FORT SMITH, AR-OK	4,117	-26%	$682,235,000	-36%	$165,712
2023	FORT WAYNE, IN	9,591	-29%	$3,369,245,000	-13%	$351,292
2023	Frankfort, IN	754	-25%	$102,150,000	-27%	$135,477
2023	Frankfort, KY	1,651	-27%	$273,775,000	-30%	$165,824
2023	Fredericksburg, TX	409	-37%	$192,875,000	-41%	$471,577
2023	Freeport, IL	552	-7%	$58,830,000	-22%	$106,576
2023	Fremont, NE	807	-12%	$136,035,000	-26%	$168,569
2023	Fremont, OH	804	-30%	$112,320,000	-28%	$139,701
2023	FRESNO, CA	10,934	-43%	$3,365,280,000	-43%	$307,781
2023	GADSDEN, AL	1,746	-21%	$276,570,000	-30%	$158,402
2023	Gaffney, SC	994	3%	$186,750,000	6%	$187,877
2023	GAINESVILLE, FL	5,303	-28%	$1,391,075,000	-33%	$262,318
2023	GAINESVILLE, GA	4,233	-28%	$1,270,205,000	-35%	$300,072
2023	Gainesville, TX	770	-16%	$216,710,000	-12%	$281,442
2023	Galesburg, IL	825	-12%	$85,295,000	-13%	$103,388
2023	Gallup, NM	202	-42%	$33,210,000	-43%	$164,406
2023	Garden City, KS	331	-26%	$53,335,000	-24%	$161,133
2023	Gardnerville Ranchos, NV	938	-43%	$437,410,000	-46%	$466,322
2023	Georgetown, SC	1,299	-35%	$460,855,000	-30%	$354,777
2023	GETTYSBURG, PA	2,199	-31%	$402,285,000	-34%	$182,940
2023	Gillette, WY	734	-35%	$167,350,000	-37%	$227,997
2023	Glasgow, KY	1,045	-19%	$153,955,000	-21%	$147,325
2023	GLENS FALLS, NY	1,994	-30%	$462,230,000	-46%	$231,810
2023	Glenwood Springs, CO	1,802	-39%	$1,442,160,000	-55%	$800,311
2023	Gloversville, NY	755	-30%	$132,265,000	-24%	$175,185
2023	GOLDSBORO, NC	2,086	-26%	$388,390,000	-29%	$186,189
2023	Granbury, TX	1,477	-30%	$421,605,000	-30%	$285,447
2023	GRAND FORKS, ND-MN	1,556	-24%	$385,370,000	-24%	$247,667
2023	GRAND ISLAND, NE	1,280	-23%	$227,780,000	-32%	$177,953
2023	GRAND JUNCTION, CO	3,891	-34%	$956,845,000	-40%	$245,912
2023	Grand Rapids, MN	839	-26%	$134,515,000	-34%	$160,328
2023	GRAND RAPIDS-KENTWOOD, MI	23,468	-31%	$5,195,160,000	-33%	$221,372
2023	Grants, NM	114	-32%	$15,200,000	-32%	$133,333
2023	GRANTS PASS, OR	1,383	-41%	$409,315,000	-35%	$295,962
2023	Great Bend, KS	276	-9%	$30,350,000	1%	$109,964
2023	GREAT FALLS, MT	1,583	-28%	$384,995,000	-29%	$243,206
2023	GREELEY, CO	9,760	-35%	$3,035,230,000	-39%	$310,987
2023	GREEN BAY, WI	7,564	-27%	$1,520,530,000	-28%	$201,022
2023	Greeneville, TN	1,387	-16%	$259,235,000	-17%	$186,903
2023	GREENSBORO-HIGH POINT, NC	15,250	-26%	$3,418,730,000	-28%	$224,179
2023	Greensburg, IN	521	-27%	$81,735,000	-26%	$156,881
2023	Greenville, MS	409	-26%	$40,195,000	-31%	$98,276
2023	GREENVILLE, NC	3,258	-28%	$820,200,000	-22%	$251,750
2023	Greenville, OH	812	-25%	$412,980,000	174%	$508,596
2023	GREENVILLE-ANDERSON, SC	19,654	-28%	$5,402,090,000	-30%	$274,860
2023	Greenwood, MS	259	-16%	$37,115,000	-13%	$143,301
2023	Greenwood, SC	999	-25%	$236,335,000	-15%	$236,572
2023	Grenada, MS	288	-23%	$38,320,000	-26%	$133,056
2023	GUAYAMA, PR	244	-1%	$29,890,000	25%	$122,500
2023	GULFPORT-BILOXI, MS	7,908	-25%	$1,683,890,000	-26%	$212,935
2023	Guymon, OK	199	-22%	$31,575,000	-11%	$158,668
2023	HAGERSTOWN-MARTINSBURG, MD-WV	6,778	-30%	$1,665,820,000	-29%	$245,769
2023	Hailey, ID	521	-48%	$328,915,000	-56%	$631,315
2023	HAMMOND, LA	2,010	-31%	$451,620,000	-27%	$224,687
2023	HANFORD-CORCORAN, CA	1,556	-44%	$443,850,000	-43%	$285,251
2023	Hannibal, MO	574	-22%	$87,560,000	-23%	$152,544
2023	HARRISBURG-CARLISLE, PA	11,950	-31%	$2,254,330,000	-39%	$188,647
2023	Harrison, AR	868	-29%	$139,750,000	-28%	$161,002
2023	HARRISONBURG, VA	1,898	-38%	$489,910,000	-34%	$258,119
2023	HARTFORD-EAST HARTFORD-MIDDLETOWN, CT	22,464	-26%	$5,521,320,000	-31%	$245,785
2023	Hastings, NE	505	-19%	$78,295,000	-24%	$155,040
2023	HATTIESBURG, MS	2,852	-23%	$547,520,000	-28%	$191,978
2023	Hays, KS	267	-21%	$222,055,000	332%	$831,667
2023	Heber, UT	2,626	-42%	$2,177,670,000	-46%	$829,273
2023	Helena, MT	1,525	-35%	$414,675,000	-40%	$271,918
2023	Helena-West Helena, AR	101	-18%	$9,655,000	-15%	$95,594
2023	Henderson, NC	530	-28%	$98,280,000	-35%	$185,434
2023	Hereford, TX	171	-36%	$28,155,000	-30%	$164,649
2023	Hermiston-Pendleton, OR	1,355	-31%	$303,995,000	-37%	$224,351
2023	HICKORY-LENOIR-MORGANTON, NC	8,039	-23%	$1,631,435,000	-27%	$202,940
2023	Hillsdale, MI	696	-28%	$116,290,000	-21%	$167,083
2023	Hilo, HI	2,468	-46%	$1,156,030,000	-47%	$468,408
2023	HILTON HEAD ISLAND-BLUFFTON, SC	6,599	-28%	$2,586,855,000	-32%	$392,007
2023	HINESVILLE, GA	2,555	-14%	$577,955,000	-14%	$226,205
2023	Hobbs, NM	716	-20%	$140,750,000	-31%	$196,578
2023	Holland, MI	2,819	-33%	$551,555,000	-35%	$195,656
2023	HOMOSASSA SPRINGS, FL	4,429	-27%	$916,205,000	-27%	$206,865
2023	Hood River, OR	294	-51%	$93,590,000	-56%	$318,333
2023	Hope, AR	279	-21%	$30,775,000	-27%	$110,305
2023	HOT SPRINGS, AR	1,940	-28%	$395,480,000	-33%	$203,856
2023	Houghton, MI	462	-28%	$78,250,000	-24%	$169,372
2023	HOUMA-THIBODAUX, LA	2,375	-26%	$445,665,000	-29%	$187,648
2023	HOUSTON-THE WOODLANDS-SUGAR LAND, TX	105,896	-28%	$35,302,120,000	-34%	$333,366
2023	Hudson, NY	921	-41%	$283,045,000	-38%	$307,324
2023	Huntingdon, PA	655	-32%	$77,835,000	-43%	$118,832
2023	Huntington, IN	721	-28%	$103,095,000	-20%	$142,989
2023	HUNTINGTON-ASHLAND, WV-KY-OH	5,409	-24%	$819,875,000	-27%	$151,576
2023	HUNTSVILLE, AL	14,024	-26%	$3,863,660,000	-29%	$275,503
2023	Huntsville, TX	814	-33%	$220,260,000	-37%	$270,590
2023	Huron, SD	156	-17%	$38,600,000	2%	$247,436
2023	Hutchinson, KS	893	-9%	$111,325,000	-18%	$124,664
2023	Hutchinson, MN	652	-25%	$145,220,000	-13%	$222,730
2023	IDAHO FALLS, ID	3,847	-35%	$951,355,000	-40%	$247,298
2023	Indiana, PA	1,201	-25%	$149,065,000	-23%	$124,117
2023	INDIANAPOLIS-CARMEL-ANDERSON, IN	51,049	-29%	$13,968,535,000	-29%	$273,630
2023	Indianola, MS	228	-24%	$21,770,000	-19%	$95,482
2023	IOWA CITY, IA	4,342	-32%	$937,720,000	-33%	$215,965
2023	Iron Mountain, MI-WI	335	-16%	$48,775,000	-24%	$145,597
2023	ITHACA, NY	1,091	-20%	$667,755,000	85%	$612,058
2023	JACKSON, MI	2,948	-29%	$470,660,000	-30%	$159,654
2023	JACKSON, MS	10,264	-21%	$2,054,100,000	-33%	$200,127
2023	Jackson, OH	490	-21%	$71,420,000	-24%	$145,755
2023	JACKSON, TN	3,452	-20%	$602,040,000	-30%	$174,403
2023	Jackson, WY-ID	699	-47%	$633,145,000	-59%	$905,787
2023	JACKSONVILLE, FL	39,802	-29%	$12,342,550,000	-29%	$310,099
2023	Jacksonville, IL	386	-20%	$48,190,000	-7%	$124,845
2023	JACKSONVILLE, NC	5,734	-32%	$1,444,120,000	-32%	$251,852
2023	Jacksonville, TX	707	-23%	$161,075,000	-18%	$227,829
2023	Jamestown, ND	360	-17%	$62,400,000	-21%	$173,333
2023	Jamestown-Dunkirk-Fredonia, NY	1,612	-26%	$223,110,000	-25%	$138,406
2023	JANESVILLE-BELOIT, WI	4,445	-18%	$666,015,000	-27%	$149,835
2023	Jasper, AL	899	-17%	$158,595,000	-13%	$176,413
2023	Jasper, IN	875	-28%	$129,005,000	-25%	$147,434
2023	Jayuya, PR	10	-55%	$930,000	-59%	$93,000
2023	Jefferson, GA	2,996	-14%	$910,200,000	-9%	$303,805
2023	JEFFERSON CITY, MO	2,972	-22%	$533,110,000	-21%	$179,378
2023	Jennings, LA	399	-28%	$66,275,000	-31%	$166,103
2023	Jesup, GA	532	-22%	$96,680,000	-22%	$181,729
2023	JOHNSON CITY, TN	4,111	-23%	$920,935,000	-24%	$224,017
2023	JOHNSTOWN, PA	2,042	-22%	$206,670,000	-28%	$101,210
2023	JONESBORO, AR	2,508	-24%	$461,440,000	-40%	$183,987
2023	JOPLIN, MO	3,765	-24%	$625,475,000	-24%	$166,129
2023	Juneau, AK	403	-36%	$132,925,000	-42%	$329,839
2023	KAHULUI-WAILUKU-LAHAINA, HI	1,959	-53%	$1,133,015,000	-56%	$578,364
2023	KALAMAZOO-PORTAGE, MI	5,458	-30%	$1,063,970,000	-30%	$194,938
2023	Kalispell, MT	1,746	-46%	$838,600,000	-44%	$480,298
2023	KANKAKEE, IL	1,721	-26%	$262,795,000	-39%	$152,699
2023	KANSAS CITY, MO-KS	44,415	-26%	$12,149,555,000	-24%	$273,546
2023	Kapaa, HI	809	-50%	$502,655,000	-50%	$621,329
2023	Kearney, NE	767	-27%	$142,545,000	-38%	$185,847
2023	Keene, NH	1,181	-32%	$256,875,000	-35%	$217,506
2023	Kendallville, IN	1,013	-28%	$152,885,000	-26%	$150,923
2023	Kennett, MO	221	-20%	$29,525,000	-1%	$133,597
2023	KENNEWICK-RICHLAND, WA	5,715	-39%	$1,633,745,000	-44%	$285,870
2023	Kerrville, TX	643	-32%	$182,555,000	-41%	$283,911
2023	Ketchikan, AK	95	-43%	$28,495,000	-47%	$299,947
2023	Key West, FL	1,373	-45%	$978,145,000	-47%	$712,414
2023	Kill Devil Hills, NC	1,515	-45%	$562,415,000	-49%	$371,231
2023	KILLEEN-TEMPLE, TX	9,615	-30%	$2,626,355,000	-26%	$273,152
2023	KINGSPORT-BRISTOL, TN-VA	6,159	-19%	$1,123,975,000	-22%	$182,493
2023	KINGSTON, NY	2,676	-36%	$778,090,000	-38%	$290,766
2023	Kingsville, TX	306	-20%	$60,890,000	-34%	$198,987
2023	Kinston, NC	858	-13%	$131,370,000	-11%	$153,112
2023	Kirksville, MO	303	-27%	$45,175,000	-34%	$149,092
2023	Klamath Falls, OR	1,195	-38%	$268,915,000	-36%	$225,033
2023	KNOXVILLE, TN	20,993	-30%	$5,749,785,000	-30%	$273,891
2023	KOKOMO, IN	1,915	-25%	$266,275,000	-28%	$139,047
2023	Laconia, NH	1,647	-32%	$510,995,000	-31%	$310,258
2023	LA CROSSE-ONALASKA, WI-MN	2,894	-26%	$551,750,000	-31%	$190,653
2023	LAFAYETTE, LA	6,819	-28%	$1,423,075,000	-32%	$208,693
2023	LAFAYETTE-WEST LAFAYETTE, IN	4,297	-26%	$1,011,105,000	-21%	$235,305
2023	La Grande, OR	397	-39%	$87,375,000	-38%	$220,088
2023	LaGrange, GA-AL	1,555	-21%	$304,685,000	-22%	$195,939
2023	LAKE CHARLES, LA	2,821	-32%	$625,025,000	-30%	$221,562
2023	Lake City, FL	1,013	-30%	$196,745,000	-32%	$194,220
2023	LAKE HAVASU CITY-KINGMAN, AZ	4,918	-37%	$1,195,980,000	-40%	$243,184
2023	LAKELAND-WINTER HAVEN, FL	20,576	-22%	$5,427,470,000	-24%	$263,777
2023	Lamesa, TX	83	-20%	$13,585,000	-14%	$163,675
2023	LANCASTER, PA	9,936	-31%	$2,092,010,000	-31%	$210,549
2023	LANSING-EAST LANSING, MI	9,410	-32%	$1,754,650,000	-32%	$186,467
2023	Laramie, WY	583	-36%	$144,035,000	-40%	$247,058
2023	LAREDO, TX	2,357	-20%	$512,685,000	-22%	$217,516
2023	LAS CRUCES, NM	3,253	-30%	$758,285,000	-26%	$233,103
2023	Las Vegas, NM	282	-19%	$53,670,000	-14%	$190,319
2023	LAS VEGAS-HENDERSON-PARADISE, NV	41,865	-37%	$14,109,375,000	-40%	$337,021
2023	Laurel, MS	1,218	-18%	$151,800,000	-23%	$124,631
2023	Laurinburg, NC	405	-24%	$63,955,000	-26%	$157,914
2023	LAWRENCE, KS	1,857	-28%	$451,865,000	-28%	$243,331
2023	Lawrenceburg, TN	808	-27%	$151,110,000	-28%	$187,017
2023	LAWTON, OK	2,218	-20%	$382,470,000	-21%	$172,439
2023	Lebanon, MO	609	-25%	$97,685,000	-32%	$160,402
2023	Lebanon, NH-VT	3,920	-29%	$1,060,780,000	-30%	$270,607
2023	LEBANON, PA	2,790	-24%	$467,950,000	-32%	$167,724
2023	Levelland, TX	284	-6%	$51,670,000	-1%	$181,937
2023	Lewisburg, PA	553	-28%	$102,275,000	-24%	$184,946
2023	Lewisburg, TN	1,010	-28%	$242,910,000	-28%	$240,505
2023	LEWISTON, ID-WA	1,152	-36%	$251,020,000	-38%	$217,899
2023	LEWISTON-AUBURN, ME	2,033	-30%	$446,735,000	-26%	$219,742
2023	Lewistown, PA	746	-25%	$86,290,000	-25%	$115,670
2023	Lexington, NE	268	-37%	$42,240,000	-41%	$157,612
2023	LEXINGTON-FAYETTE, KY	10,282	-32%	$2,551,890,000	-34%	$248,190
2023	Liberal, KS	164	-26%	$21,960,000	-35%	$133,902
2023	LIMA, OH	1,929	-26%	$269,785,000	-22%	$139,857
2023	Lincoln, IL	459	-14%	$50,515,000	-14%	$110,054
2023	LINCOLN, NE	6,725	-24%	$1,534,475,000	-28%	$228,175
2023	LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR	14,516	-26%	$3,138,870,000	-35%	$216,235
2023	Lock Haven, PA	751	-29%	$93,215,000	-33%	$124,121
2023	LOGAN, UT-ID	3,176	-37%	$833,030,000	-40%	$262,289
2023	Logansport, IN	588	-19%	$69,520,000	-26%	$118,231
2023	London, KY	1,736	-21%	$253,180,000	-24%	$145,841
2023	LONGVIEW, TX	4,020	-24%	$846,530,000	-28%	$210,580
2023	LONGVIEW, WA	2,573	-37%	$650,045,000	-42%	$252,641
2023	Los Alamos, NM	436	-29%	$152,940,000	-28%	$350,780
2023	Los Angeles-Long Beach-Anaheim, CA	114,449	-47%	$75,661,415,000	-51%	$661,093
2023	LOUISVILLE, KY	28,591	-28%	$6,518,875,000	-33%	$228,004
2023	LUBBOCK, TX	5,738	-25%	$1,382,030,000	-39%	$240,856
2023	Ludington, MI	329	-41%	$58,775,000	-39%	$178,647
2023	Lufkin, TX	936	-25%	$189,770,000	-25%	$202,746
2023	Lumberton, NC	1,231	-5%	$208,765,000	-12%	$169,590
2023	LYNCHBURG, VA	5,161	-24%	$1,137,445,000	-31%	$220,392
2023	Macomb, IL	293	-22%	$30,325,000	-25%	$103,498
2023	MACON-BIBB COUNTY, GA	3,582	-25%	$744,170,000	-35%	$207,753
2023	MADERA, CA	2,341	-40%	$740,125,000	-38%	$316,158
2023	Madison, IN	734	-24%	$106,700,000	-25%	$145,368
2023	MADISON, WI	17,435	-26%	$4,375,275,000	-30%	$250,948
2023	Madisonville, KY	832	-24%	$109,740,000	-22%	$131,899
2023	Magnolia, AR	248	-13%	$38,940,000	-20%	$157,016
2023	Malone, NY	394	-25%	$74,550,000	-20%	$189,213
2023	Malvern, AR	479	-10%	$68,075,000	-15%	$142,119
2023	MANCHESTER-NASHUA, NH	8,003	-36%	$2,253,765,000	-45%	$281,615
2023	MANHATTAN, KS	2,181	-26%	$450,305,000	-27%	$206,467
2023	Manitowoc, WI	1,619	-29%	$213,655,000	-34%	$131,967
2023	MANKATO, MN	1,488	-26%	$391,610,000	-28%	$263,179
2023	MANSFIELD, OH	2,174	-29%	$320,560,000	-26%	$147,452
2023	Marietta, OH	830	-27%	$121,510,000	-31%	$146,398
2023	Marinette, WI-MI	1,169	-24%	$157,645,000	-27%	$134,855
2023	Marion, IN	1,011	-18%	$132,635,000	-22%	$131,192
2023	Marion, NC	739	-33%	$159,675,000	-38%	$216,069
2023	Marion, OH	1,159	-20%	$159,425,000	-20%	$137,554
2023	Marquette, MI	917	-23%	$157,255,000	-30%	$171,489
2023	Marshall, MN	320	-25%	$66,320,000	-10%	$207,250
2023	Marshall, MO	341	-20%	$47,555,000	-16%	$139,457
2023	Marshalltown, IA	494	-26%	$63,920,000	-43%	$129,393
2023	Martin, TN	442	-21%	$65,600,000	-28%	$148,416
2023	Martinsville, VA	871	-14%	$120,985,000	-18%	$138,904
2023	Maryville, MO	258	-36%	$40,760,000	-37%	$157,984
2023	Mason City, IA	482	-24%	$82,330,000	-28%	$170,809
2023	MAYAGÜEZ, PR	221	-20%	$28,705,000	-16%	$129,887
2023	Mayfield, KY	438	-19%	$60,310,000	-27%	$137,694
2023	Maysville, KY	207	-39%	$27,555,000	-44%	$133,116
2023	McAlester, OK	606	-20%	$105,080,000	-24%	$173,399
2023	MCALLEN-EDINBURG-MISSION, TX	6,763	-21%	$1,684,565,000	-14%	$249,085
2023	McComb, MS	421	-21%	$60,715,000	-19%	$144,216
2023	McMinnville, TN	788	-21%	$153,730,000	-17%	$195,089
2023	McPherson, KS	414	19%	$64,160,000	14%	$154,976
2023	Meadville, PA	1,331	-24%	$159,745,000	-26%	$120,019
2023	MEDFORD, OR	3,787	-42%	$1,284,885,000	-34%	$339,288
2023	MEMPHIS, TN-MS-AR	22,429	-30%	$5,449,305,000	-36%	$242,958
2023	Menomonie, WI	789	-29%	$146,345,000	-30%	$185,482
2023	MERCED, CA	2,909	-41%	$852,985,000	-43%	$293,223
2023	Meridian, MS	1,054	-21%	$147,260,000	-46%	$139,715
2023	Mexico, MO	378	-28%	$49,070,000	-29%	$129,815
2023	Miami, OK	307	-22%	$47,135,000	-13%	$153,534
2023	Miami-Fort Lauderdale-Pompano Beach, FL	89,339	-33%	$39,362,315,000	-36%	$440,595
2023	MICHIGAN CITY-LA PORTE, IN	2,276	-30%	$394,040,000	-27%	$173,128
2023	Middlesborough, KY	219	-12%	$26,175,000	-19%	$119,521
2023	MIDLAND, MI	1,544	-34%	$272,570,000	-34%	$176,535
2023	MIDLAND, TX	3,482	-21%	$1,109,250,000	-18%	$318,567
2023	Milledgeville, GA	583	-26%	$124,465,000	-39%	$213,491
2023	MILWAUKEE-WAUKESHA, WI	32,540	-27%	$7,737,550,000	-31%	$237,786
2023	Minden, LA	508	-19%	$73,750,000	-21%	$145,177
2023	Mineral Wells, TX	577	-24%	$181,605,000	-21%	$314,740
2023	MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI	72,048	-32%	$20,292,130,000	-35%	$281,647
2023	Minot, ND	1,119	-22%	$232,605,000	-32%	$207,869
2023	MISSOULA, MT	1,797	-40%	$585,205,000	-45%	$325,657
2023	Mitchell, SD	341	-31%	$66,015,000	-25%	$193,592
2023	Moberly, MO	458	-23%	$71,110,000	-15%	$155,262
2023	MOBILE, AL	7,086	-26%	$1,388,840,000	-36%	$195,998
2023	MODESTO, CA	6,008	-44%	$1,963,300,000	-44%	$326,781
2023	MONROE, LA	2,593	-29%	$494,565,000	-35%	$190,731
2023	MONROE, MI	3,163	-27%	$559,675,000	-23%	$176,944
2023	MONTGOMERY, AL	6,557	-28%	$1,378,705,000	-34%	$210,265
2023	Montrose, CO	983	-39%	$285,515,000	-42%	$290,453
2023	Morehead City, NC	2,153	-32%	$655,635,000	-34%	$304,522
2023	Morgan City, LA	372	-30%	$48,580,000	-36%	$130,591
2023	MORGANTOWN, WV	1,906	-30%	$447,220,000	-42%	$234,638
2023	MORRISTOWN, TN	2,941	-28%	$643,235,000	-32%	$218,713
2023	Moscow, ID	566	-35%	$160,670,000	-39%	$283,869
2023	Moses Lake, WA	1,571	-38%	$414,425,000	-42%	$263,797
2023	Moultrie, GA	415	-21%	$76,375,000	-21%	$184,036
2023	Mountain Home, AR	834	-34%	$151,680,000	-32%	$181,871
2023	Mountain Home, ID	682	-34%	$168,330,000	-38%	$246,818
2023	Mount Airy, NC	1,243	-24%	$197,005,000	-29%	$158,492
2023	Mount Gay-Shamrock, WV	263	-18%	$28,565,000	-28%	$108,612
2023	Mount Pleasant, MI	903	-28%	$130,165,000	-40%	$144,147
2023	Mount Pleasant, TX	549	-29%	$116,015,000	-33%	$211,321
2023	Mount Sterling, KY	831	-23%	$115,645,000	-28%	$139,164
2023	Mount Vernon, IL	451	-17%	$55,385,000	-15%	$122,805
2023	Mount Vernon, OH	1,278	-27%	$243,570,000	-23%	$190,587
2023	MOUNT VERNON-ANACORTES, WA	2,184	-40%	$770,090,000	-47%	$352,605
2023	MUNCIE, IN	2,143	-23%	$310,015,000	-29%	$144,664
2023	Murray, KY	410	-34%	$76,510,000	-37%	$186,610
2023	Muscatine, IA	776	-10%	$106,300,000	-22%	$136,985
2023	MUSKEGON, MI	3,894	-22%	$637,840,000	-22%	$163,801
2023	Muskogee, OK	943	-26%	$141,415,000	-26%	$149,963
2023	MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC	20,059	-22%	$5,519,425,000	-23%	$275,160
2023	Nacogdoches, TX	592	-27%	$123,620,000	-30%	$208,818
2023	NAPA, CA	1,584	-46%	$851,960,000	-56%	$537,854
2023	NAPLES-MARCO ISLAND, FL	9,209	-33%	$4,633,895,000	-36%	$503,192
2023	NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN	51,029	-32%	$18,632,335,000	-36%	$365,132
2023	Natchez, MS-LA	380	-32%	$53,740,000	-40%	$141,421
2023	Natchitoches, LA	354	-25%	$76,590,000	-19%	$216,356
2023	NEW BERN, NC	2,876	-29%	$600,500,000	-34%	$208,797
2023	Newberry, SC	522	-29%	$117,230,000	-28%	$224,579
2023	New Castle, IN	936	-22%	$134,060,000	-19%	$143,226
2023	New Castle, PA	1,492	-26%	$181,730,000	-31%	$121,803
2023	NEW HAVEN-MILFORD, CT	14,281	-26%	$3,738,435,000	-33%	$261,777
2023	NEW ORLEANS-METAIRIE, LA	15,928	-36%	$4,454,450,000	-37%	$279,662
2023	New Philadelphia-Dover, OH	1,091	-20%	$161,605,000	-20%	$148,126
2023	Newport, OR	1,053	-40%	$300,315,000	-45%	$285,199
2023	Newport, TN	435	-29%	$80,105,000	-30%	$184,149
2023	New Ulm, MN	369	-25%	$52,895,000	-39%	$143,347
2023	New York-Newark-Jersey City, NY-NJ-PA	185,651	-38%	$99,684,265,000	-45%	$536,944
2023	NILES, MI	3,429	-30%	$645,305,000	-36%	$188,190
2023	Nogales, AZ	684	-33%	$154,010,000	-33%	$225,161
2023	Norfolk, NE	542	-21%	$99,100,000	-25%	$182,841
2023	North Platte, NE	484	-24%	$66,370,000	-30%	$137,128
2023	North Port-Sarasota-Bradenton, FL	23,951	-25%	$8,657,845,000	-26%	$361,482
2023	North Vernon, IN	570	-12%	$79,180,000	-8%	$138,912
2023	North Wilkesboro, NC	1,002	-22%	$170,030,000	-25%	$169,691
2023	Norwalk, OH	821	-31%	$115,935,000	-29%	$141,212
2023	NORWICH-NEW LONDON, CT	5,295	-30%	$1,312,575,000	-35%	$247,890
2023	Oak Harbor, WA	1,880	-38%	$674,050,000	-63%	$358,537
2023	OCALA, FL	11,638	-14%	$2,736,740,000	-7%	$235,156
2023	OCEAN CITY, NJ	3,552	-34%	$1,703,550,000	-38%	$479,603
2023	ODESSA, TX	2,613	-15%	$624,115,000	-9%	$238,850
2023	OGDEN-CLEARFIELD, UT	19,038	-37%	$5,077,910,000	-43%	$266,725
2023	Ogdensburg-Massena, NY	768	-29%	$97,470,000	-36%	$126,914
2023	Oil City, PA	597	-23%	$68,805,000	-25%	$115,251
2023	Okeechobee, FL	643	-12%	$133,645,000	-10%	$207,846
2023	OKLAHOMA CITY, OK	27,868	-24%	$6,326,730,000	-30%	$227,025
2023	Olean, NY	842	-21%	$122,030,000	-31%	$144,929
2023	OLYMPIA-LACEY-TUMWATER, WA	6,163	-40%	$2,043,855,000	-55%	$331,633
2023	OMAHA-COUNCIL BLUFFS, NE-IA	20,191	-26%	$4,850,455,000	-28%	$240,229
2023	Oneonta, NY	665	-34%	$115,175,000	-36%	$173,195
2023	Ontario, OR-ID	1,001	-36%	$216,055,000	-39%	$215,839
2023	Opelousas, LA	831	-27%	$140,875,000	-29%	$169,525
2023	Orangeburg, SC	884	-18%	$155,150,000	-18%	$175,509
2023	ORLANDO-KISSIMMEE-SANFORD, FL	55,415	-25%	$18,281,345,000	-29%	$329,899
2023	OSHKOSH-NEENAH, WI	3,493	-34%	$666,265,000	-38%	$190,743
2023	Oskaloosa, IA	419	-20%	$45,785,000	-23%	$109,272
2023	Othello, WA	227	-37%	$51,975,000	-38%	$228,965
2023	Ottawa, IL	2,028	-23%	$278,180,000	-24%	$137,170
2023	Ottawa, KS	517	-11%	$103,835,000	7%	$200,841
2023	Ottumwa, IA	569	-5%	$64,545,000	2%	$113,436
2023	Owatonna, MN	564	-23%	$123,570,000	-28%	$219,096
2023	OWENSBORO, KY	2,383	-30%	$363,545,000	-33%	$152,558
2023	Oxford, MS	1,215	-20%	$375,295,000	-24%	$308,885
2023	OXNARD-THOUSAND OAKS-VENTURA, CA	9,220	-48%	$4,441,640,000	-52%	$481,740
2023	Ozark, AL	734	-27%	$117,720,000	-31%	$160,381
2023	Paducah, KY-IL	1,239	-27%	$210,735,000	-30%	$170,085
2023	Pahrump, NV	1,177	-33%	$273,885,000	-36%	$232,698
2023	Palatka, FL	1,154	-20%	$215,780,000	-22%	$186,984
2023	Palestine, TX	541	-27%	$105,795,000	-29%	$195,555
2023	PALM BAY-MELBOURNE-TITUSVILLE, FL	16,650	-25%	$4,626,870,000	-30%	$277,890
2023	Pampa, TX	233	-24%	$31,225,000	-32%	$134,013
2023	PANAMA CITY, FL	5,795	-25%	$2,003,875,000	-19%	$345,794
2023	Paragould, AR	883	-25%	$139,775,000	-34%	$158,296
2023	Paris, TN	639	-22%	$98,415,000	-20%	$154,014
2023	Paris, TX	433	-39%	$84,645,000	-41%	$195,485
2023	PARKERSBURG-VIENNA, WV	1,308	-15%	$186,690,000	-24%	$142,729
2023	Parsons, KS	224	-9%	$24,570,000	-7%	$109,688
2023	Payson, AZ	1,073	-34%	$298,145,000	-33%	$277,861
2023	Pearsall, TX	117	-18%	$21,365,000	-31%	$182,607
2023	Pecos, TX	111	7%	$22,445,000	4%	$202,207
2023	Pella, IA	654	-25%	$114,710,000	-33%	$175,398
2023	PENSACOLA-FERRY PASS-BRENT, FL	12,536	-31%	$3,446,420,000	-32%	$274,922
2023	PEORIA, IL	7,421	-23%	$1,094,855,000	-19%	$147,535
2023	Peru, IN	509	-31%	$57,585,000	-42%	$113,134
2023	Philadelphia-Camden-Wilmington, PA-NJ-DE-MD	110,903	-30%	$29,429,915,000	-36%	$265,366
2023	PHOENIX-MESA-CHANDLER, AZ	105,060	-40%	$37,810,170,000	-42%	$359,891
2023	Picayune, MS	1,012	-16%	$164,550,000	-25%	$162,599
2023	Pierre, SD	300	-27%	$58,360,000	-42%	$194,533
2023	PINE BLUFF, AR	972	-8%	$140,060,000	-26%	$144,095
2023	Pinehurst-Southern Pines, NC	2,931	-26%	$889,335,000	-27%	$303,424
2023	Pittsburg, KS	587	-10%	$79,775,000	-19%	$135,903
2023	PITTSBURGH, PA	44,584	-28%	$8,321,690,000	-34%	$186,652
2023	PITTSFIELD, MA	2,547	-29%	$569,695,000	-34%	$223,673
2023	Plainview, TX	239	-25%	$36,235,000	-30%	$151,611
2023	Platteville, WI	714	-24%	$101,800,000	-30%	$142,577
2023	Plattsburgh, NY	738	-24%	$136,220,000	-16%	$184,580
2023	Plymouth, IN	988	-25%	$148,940,000	-24%	$150,749
2023	POCATELLO, ID	2,055	-39%	$450,395,000	-35%	$219,170
2023	Point Pleasant, WV-OH	631	-22%	$87,415,000	-27%	$138,534
2023	Ponca City, OK	640	-25%	$76,520,000	-30%	$119,563
2023	PONCE, PR	579	-6%	$72,305,000	-6%	$124,879
2023	Pontiac, IL	651	-21%	$70,915,000	-34%	$108,932
2023	Poplar Bluff, MO	816	-26%	$118,940,000	-27%	$145,760
2023	Portales, NM	188	-28%	$30,940,000	-23%	$164,574
2023	Port Angeles, WA	1,359	-34%	$397,035,000	-35%	$292,152
2023	PORTLAND-SOUTH PORTLAND, ME	12,965	-31%	$3,820,665,000	-38%	$294,691
2023	PORTLAND-VANCOUVER-HILLSBORO, OR-WA	43,272	-42%	$15,539,010,000	-47%	$359,101
2023	Port Lavaca, TX	230	-37%	$53,510,000	-33%	$232,652
2023	PORT ST. LUCIE, FL	13,455	-30%	$4,224,185,000	-25%	$313,949
2023	Portsmouth, OH	971	-23%	$123,325,000	-25%	$127,008
2023	Pottsville, PA	2,152	-23%	$313,920,000	-21%	$145,874
2023	POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY	10,685	-32%	$3,154,085,000	-34%	$295,188
2023	PRESCOTT VALLEY-PRESCOTT, AZ	5,567	-40%	$1,674,705,000	-45%	$300,827
2023	Price, UT	512	-19%	$87,660,000	-21%	$171,211
2023	Prineville, OR	691	-38%	$205,565,000	-43%	$297,489
2023	PROVIDENCE-WARWICK, RI-MA	30,087	-36%	$8,769,895,000	-38%	$291,485
2023	PROVO-OREM, UT	17,335	-39%	$6,086,205,000	-39%	$351,093
2023	PUEBLO, CO	4,194	-36%	$905,560,000	-37%	$215,918
2023	Pullman, WA	619	-27%	$180,215,000	-21%	$291,139
2023	PUNTA GORDA, FL	6,426	-25%	$2,169,720,000	-6%	$337,647
2023	Quincy, IL-MO	773	-21%	$106,075,000	-31%	$137,225
2023	RACINE, WI	4,727	-25%	$863,875,000	-31%	$182,753
2023	RALEIGH-CARY, NC	38,655	-32%	$12,568,015,000	-37%	$325,133
2023	RAPID CITY, SD	2,777	-31%	$812,395,000	-35%	$292,544
2023	Raymondville, TX	78	0%	$14,770,000	3%	$189,359
2023	READING, PA	8,218	-23%	$1,431,020,000	-26%	$174,132
2023	Red Bluff, CA	851	-38%	$192,685,000	-43%	$226,422
2023	REDDING, CA	2,680	-40%	$708,050,000	-44%	$264,198
2023	Red Wing, MN	754	-37%	$147,800,000	-51%	$196,021
2023	RENO, NV	7,998	-41%	$3,713,680,000	-36%	$464,326
2023	Rexburg, ID	905	-34%	$260,965,000	-36%	$288,359
2023	Richmond, IN	1,159	-23%	$1,170,735,000	234%	$1,010,125
2023	RICHMOND, VA	27,099	-31%	$7,668,985,000	-34%	$282,999
2023	Richmond-Berea, KY	2,082	-29%	$423,110,000	-33%	$203,223
2023	Rio Grande City-Roma, TX	203	-24%	$41,935,000	-12%	$206,576
2023	RIVERSIDE-SAN BERNARDINO-ONTARIO, CA	68,251	-42%	$26,206,835,000	-44%	$383,977
2023	Riverton, WY	431	-31%	$91,955,000	-30%	$213,353
2023	ROANOKE, VA	6,231	-26%	$1,516,105,000	-23%	$243,316
2023	Roanoke Rapids, NC	727	-24%	$121,745,000	-28%	$167,462
2023	Rochelle, IL	749	-27%	$111,225,000	-28%	$148,498
2023	ROCHESTER, MN	4,576	-21%	$1,111,950,000	-23%	$242,996
2023	ROCHESTER, NY	20,811	-22%	$3,545,675,000	-26%	$170,375
2023	ROCKFORD, IL	5,727	-22%	$825,515,000	-26%	$144,144
2023	Rockingham, NC	556	-26%	$97,060,000	-9%	$174,568
2023	Rockport, TX	562	-25%	$172,210,000	-29%	$306,423
2023	Rock Springs, WY	514	-36%	$111,740,000	-39%	$217,393
2023	ROCKY MOUNT, NC	2,639	-21%	$485,005,000	-22%	$183,784
2023	Rolla, MO	466	-29%	$87,720,000	-37%	$188,240
2023	ROME, GA	1,709	-19%	$335,515,000	-22%	$196,322
2023	Roseburg, OR	1,703	-34%	$400,695,000	-38%	$235,288
2023	Roswell, NM	708	-25%	$117,890,000	-29%	$166,511
2023	Ruidoso, NM	479	-27%	$121,945,000	-26%	$254,582
2023	Russellville, AR	1,359	-18%	$198,765,000	-29%	$146,258
2023	Ruston, LA	554	-22%	$121,240,000	-27%	$218,845
2023	Rutland, VT	784	-29%	$152,940,000	-36%	$195,077
2023	SACRAMENTO-ROSEVILLE-FOLSOM, CA	35,561	-45%	$13,918,685,000	-48%	$391,403
2023	Safford, AZ	595	-31%	$126,765,000	-32%	$213,050
2023	SAGINAW, MI	2,904	-25%	$502,100,000	-20%	$172,899
2023	ST. CLOUD, MN	3,352	-25%	$693,750,000	-28%	$206,966
2023	ST. GEORGE, UT	5,787	-39%	$1,948,375,000	-40%	$336,681
2023	ST. JOSEPH, MO-KS	2,055	-19%	$342,195,000	-16%	$166,518
2023	ST. LOUIS, MO-IL	55,455	-27%	$12,526,645,000	-29%	$225,888
2023	St. Marys, GA	1,470	-28%	$395,230,000	-23%	$268,864
2023	St. Marys, PA	453	-30%	$46,345,000	-35%	$102,307
2023	Salem, OH	1,670	-29%	$224,020,000	-26%	$134,144
2023	SALEM, OR	7,155	-39%	$2,051,065,000	-45%	$286,662
2023	Salina, KS	511	-29%	$107,145,000	-30%	$209,677
2023	SALINAS, CA	3,071	-48%	$1,701,655,000	-53%	$554,105
2023	SALISBURY, MD-DE	11,470	-30%	$3,562,890,000	-29%	$310,627
2023	SALT LAKE CITY, UT	27,262	-40%	$8,703,620,000	-43%	$319,258
2023	SAN ANGELO, TX	1,546	-29%	$396,350,000	-17%	$256,371
2023	SAN ANTONIO-NEW BRAUNFELS, TX	48,746	-25%	$15,009,590,000	-28%	$307,914
2023	SAN DIEGO-CHULA VISTA-CARLSBAD, CA	38,825	-45%	$21,940,475,000	-48%	$565,112
2023	Sandpoint, ID	1,164	-42%	$408,320,000	-46%	$350,790
2023	Sandusky, OH	1,277	-33%	$211,375,000	-34%	$165,525
2023	Sanford, NC	1,427	-18%	$333,295,000	-20%	$233,563
2023	San Francisco-Oakland-Berkeley, CA	46,876	-51%	$34,298,500,000	-54%	$731,686
2023	SAN GERMÁN, PR	410	-18%	$58,220,000	-12%	$142,000
2023	SAN JOSE-SUNNYVALE-SANTA CLARA, CA	17,001	-52%	$16,355,615,000	-49%	$962,038
2023	SAN JUAN-BAYAMÓN-CAGUAS, PR	10,267	-13%	$1,789,285,000	-14%	$174,275
2023	SAN LUIS OBISPO-PASO ROBLES, CA	3,481	-45%	$1,563,815,000	-49%	$449,243
2023	SANTA CRUZ-WATSONVILLE, CA	2,391	-49%	$1,516,335,000	-47%	$634,184
2023	SANTA FE, NM	2,339	-37%	$905,175,000	-38%	$386,992
2023	Santa Isabel, PR	61	-39%	$7,145,000	-39%	$117,131
2023	SANTA MARIA-SANTA BARBARA, CA	3,720	-50%	$2,526,290,000	-54%	$679,110
2023	SANTA ROSA-PETALUMA, CA	5,962	-47%	$2,935,850,000	-50%	$492,427
2023	Sault Ste. Marie, MI	290	-26%	$42,380,000	-26%	$146,138
2023	SAVANNAH, GA	9,444	-22%	$3,154,630,000	-12%	$334,035
2023	Sayre, PA	850	-25%	$121,210,000	-26%	$142,600
2023	Scottsbluff, NE	293	-33%	$41,495,000	-35%	$141,621
2023	Scottsboro, AL	827	-22%	$138,195,000	-29%	$167,104
2023	Scottsburg, IN	504	-26%	$76,560,000	-25%	$151,905
2023	SCRANTON--WILKES-BARRE, PA	9,277	-28%	$1,532,065,000	-27%	$165,147
2023	Searcy, AR	1,308	-24%	$214,320,000	-33%	$163,853
2023	Seattle-Tacoma-Bellevue, WA	66,566	-45%	$34,161,730,000	-71%	$513,201
2023	Sebastian-Vero Beach, FL	3,726	-34%	$1,006,960,000	-42%	$270,252
2023	SEBRING-AVON PARK, FL	2,095	-23%	$441,515,000	-12%	$210,747
2023	Sedalia, MO	802	-17%	$142,700,000	-6%	$177,930
2023	Selinsgrove, PA	464	-28%	$63,950,000	-34%	$137,823
2023	Selma, AL	246	-23%	$30,190,000	-24%	$122,724
2023	Seneca, SC	1,499	-34%	$450,385,000	-36%	$300,457
2023	Seneca Falls, NY	490	-18%	$70,440,000	-25%	$143,755
2023	Sevierville, TN	2,799	-41%	$1,092,955,000	-44%	$390,481
2023	Seymour, IN	837	-30%	$126,535,000	-32%	$151,177
2023	Shawano, WI	1,139	-17%	$150,665,000	-24%	$132,278
2023	Shawnee, OK	1,266	-20%	$222,110,000	-16%	$175,442
2023	SHEBOYGAN, WI	2,378	-27%	$422,810,000	-25%	$177,801
2023	Shelby, NC	1,912	-28%	$340,440,000	-30%	$178,054
2023	Shelbyville, TN	1,224	-15%	$292,560,000	-13%	$239,020
2023	Shelton, WA	1,563	-39%	$457,895,000	-46%	$292,959
2023	Sheridan, WY	453	-42%	$135,165,000	-44%	$298,377
2023	SHERMAN-DENISON, TX	3,334	-25%	$1,001,580,000	-25%	$300,414
2023	Show Low, AZ	1,639	-36%	$448,495,000	-37%	$273,639
2023	SHREVEPORT-BOSSIER CITY, LA	5,675	-25%	$1,208,175,000	-30%	$212,894
2023	Sidney, OH	817	-15%	$123,605,000	-9%	$151,291
2023	SIERRA VISTA-DOUGLAS, AZ	2,120	-35%	$447,770,000	-37%	$211,212
2023	Sikeston, MO	574	-29%	$75,710,000	-35%	$131,899
2023	Silver City, NM	302	-25%	$53,720,000	-25%	$177,881
2023	SIOUX CITY, IA-NE-SD	2,514	-22%	$435,070,000	-30%	$173,059
2023	SIOUX FALLS, SD	6,340	-31%	$1,785,410,000	-32%	$281,610
2023	Snyder, TX	149	-40%	$22,275,000	-45%	$149,497
2023	Somerset, KY	926	-27%	$158,970,000	-27%	$171,674
2023	Somerset, PA	1,199	-24%	$160,655,000	-24%	$133,991
2023	Sonora, CA	893	-45%	$241,195,000	-50%	$270,095
2023	SOUTH BEND-MISHAWAKA, IN-MI	7,045	-26%	$1,273,555,000	-23%	$180,774
2023	SPARTANBURG, SC	7,961	-26%	$1,899,855,000	-23%	$238,645
2023	Spearfish, SD	562	-36%	$171,040,000	-37%	$304,342
2023	Spencer, IA	293	-9%	$40,715,000	-14%	$138,959
2023	Spirit Lake, IA	525	-24%	$154,205,000	-24%	$293,724
2023	SPOKANE-SPOKANE VALLEY, WA	11,806	-38%	$3,256,380,000	-46%	$275,824
2023	SPRINGFIELD, IL	3,969	-22%	$621,815,000	-24%	$156,668
2023	SPRINGFIELD, MA	10,928	-31%	$2,459,710,000	-32%	$225,083
2023	SPRINGFIELD, MO	10,101	-30%	$2,153,615,000	-33%	$213,208
2023	SPRINGFIELD, OH	2,524	-26%	$361,400,000	-28%	$143,185
2023	Starkville, MS	783	-23%	$182,815,000	-19%	$233,480
2023	STATE COLLEGE, PA	2,286	-30%	$512,070,000	-33%	$224,003
2023	Statesboro, GA	1,160	-22%	$262,280,000	-27%	$226,103
2023	STAUNTON, VA	2,706	-32%	$549,110,000	-34%	$202,923
2023	Steamboat Springs, CO	629	-44%	$491,115,000	-37%	$780,787
2023	Stephenville, TX	580	-23%	$195,780,000	-2%	$337,552
2023	Sterling, CO	354	-27%	$64,000,000	-34%	$180,791
2023	Sterling, IL	666	-26%	$68,670,000	-34%	$103,108
2023	Stevens Point, WI	1,140	-23%	$214,960,000	-21%	$188,561
2023	Stillwater, OK	986	-22%	$217,580,000	-19%	$220,669
2023	STOCKTON, CA	10,379	-45%	$4,146,125,000	-45%	$399,472
2023	Storm Lake, IA	239	-21%	$37,095,000	-16%	$155,209
2023	Sturgis, MI	1,161	-23%	$163,495,000	-26%	$140,823
2023	Sulphur Springs, TX	545	-24%	$134,675,000	-14%	$247,110
2023	Summerville, GA	369	-14%	$54,795,000	-16%	$148,496
2023	SUMTER, SC	2,335	-21%	$473,565,000	-19%	$202,812
2023	Sunbury, PA	1,270	-19%	$155,650,000	-18%	$122,559
2023	Susanville, CA	293	-45%	$59,635,000	-43%	$203,532
2023	Sweetwater, TX	157	-8%	$23,055,000	-7%	$146,847
2023	SYRACUSE, NY	10,806	-21%	$1,954,320,000	-20%	$180,855
2023	Tahlequah, OK	690	-23%	$107,360,000	-36%	$155,594
2023	Talladega-Sylacauga, AL	1,142	-26%	$196,160,000	-32%	$171,769
2023	TALLAHASSEE, FL	5,784	-31%	$1,543,070,000	-34%	$266,783
2023	TAMPA-ST. PETERSBURG-CLEARWATER, FL	74,243	-28%	$23,671,265,000	-28%	$318,835
2023	Taos, NM	339	-46%	$94,595,000	-50%	$279,041
2023	Taylorville, IL	413	-5%	$43,515,000	-12%	$105,363
2023	TERRE HAUTE, IN	3,204	-25%	$421,420,000	-28%	$131,529
2023	TEXARKANA, TX-AR	2,021	-25%	$361,485,000	-26%	$178,864
2023	The Dalles, OR	378	-40%	$104,950,000	-40%	$277,646
2023	THE VILLAGES, FL	3,740	-41%	$949,790,000	-43%	$253,955
2023	Thomaston, GA	482	-25%	$78,820,000	-24%	$163,527
2023	Thomasville, GA	646	-30%	$150,190,000	-35%	$232,492
2023	Tiffin, OH	704	-32%	$102,010,000	-26%	$144,901
2023	Tifton, GA	472	-25%	$102,280,000	-29%	$216,695
2023	Toccoa, GA	462	-17%	$89,540,000	-22%	$193,810
2023	TOLEDO, OH	11,339	-29%	$1,816,665,000	-35%	$160,214
2023	TOPEKA, KS	4,323	-22%	$783,215,000	-15%	$181,174
2023	Torrington, CT	3,807	-27%	$888,925,000	-38%	$233,498
2023	Traverse City, MI	3,078	-32%	$909,960,000	-28%	$295,634
2023	TRENTON-PRINCETON, NJ	5,235	-29%	$1,626,595,000	-33%	$310,715
2023	Troy, AL	415	-26%	$75,955,000	-38%	$183,024
2023	Truckee-Grass Valley, CA	1,839	-48%	$780,245,000	-49%	$424,277
2023	TUCSON, AZ	19,124	-35%	$5,516,770,000	-33%	$288,474
2023	Tullahoma-Manchester, TN	2,444	-26%	$558,720,000	-27%	$228,609
2023	TULSA, OK	18,228	-23%	$4,187,030,000	-26%	$229,703
2023	Tupelo, MS	2,540	-26%	$417,620,000	-30%	$164,417
2023	TUSCALOOSA, AL	3,964	-28%	$891,200,000	-35%	$224,823
2023	TWIN FALLS, ID	2,632	-36%	$558,090,000	-43%	$212,040
2023	TYLER, TX	3,819	-28%	$1,066,565,000	-30%	$279,279
2023	Ukiah, CA	675	-48%	$223,235,000	-52%	$330,719
2023	Union, SC	318	-20%	$44,160,000	-22%	$138,868
2023	Union City, TN	496	-7%	$61,990,000	-7%	$124,980
2023	Urbana, OH	734	-25%	$116,550,000	-22%	$158,787
2023	URBAN HONOLULU, HI	11,298	-49%	$5,857,340,000	-48%	$518,440
2023	UTICA-ROME, NY	4,278	-31%	$779,030,000	-15%	$182,101
2023	Uvalde, TX	208	-21%	$44,670,000	-23%	$214,760
2023	VALDOSTA, GA	2,580	-32%	$500,360,000	-39%	$193,938
2023	VALLEJO, CA	6,597	-43%	$2,484,145,000	-48%	$376,557
2023	Van Wert, OH	372	-26%	$50,570,000	-26%	$135,941
2023	Vermillion, SD	192	-29%	$33,100,000	-39%	$172,396
2023	Vernal, UT	850	-35%	$164,620,000	-39%	$193,671
2023	Vernon, TX	140	20%	$18,030,000	8%	$128,786
2023	Vicksburg, MS	555	-23%	$82,015,000	-37%	$147,775
2023	VICTORIA, TX	1,058	-29%	$232,450,000	-38%	$219,707
2023	Vidalia, GA	265	-27%	$44,635,000	-32%	$168,434
2023	Vincennes, IN	562	-16%	$60,080,000	-27%	$106,904
2023	VINELAND-BRIDGETON, NJ	2,130	-19%	$409,780,000	-22%	$192,385
2023	Vineyard Haven, MA	471	-49%	$472,325,000	-54%	$1,002,813
2023	VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC	39,079	-31%	$11,036,995,000	-32%	$282,428
2023	VISALIA, CA	4,377	-49%	$1,169,225,000	-49%	$267,129
2023	Wabash, IN	600	-30%	$82,490,000	-21%	$137,483
2023	WACO, TX	4,051	-28%	$1,099,725,000	-29%	$271,470
2023	Wahpeton, ND-MN	408	-23%	$66,840,000	-26%	$163,824
2023	WALLA WALLA, WA	946	-37%	$277,710,000	-31%	$293,562
2023	Wapakoneta, OH	781	-26%	$104,255,000	-30%	$133,489
2023	WARNER ROBINS, GA	4,381	-25%	$1,015,635,000	-26%	$231,827
2023	Warren, PA	550	-23%	$60,550,000	-27%	$110,091
2023	Warrensburg, MO	1,106	-29%	$254,110,000	-25%	$229,756
2023	Warsaw, IN	1,990	-24%	$376,920,000	-27%	$189,407
2023	Washington, IN	466	-29%	$70,500,000	-18%	$151,288
2023	Washington, NC	848	-20%	$159,170,000	-22%	$187,700
2023	Washington-Arlington-Alexandria, DC-VA-MD-WV	100,621	-38%	$45,739,625,000	-38%	$454,573
2023	Washington Court House, OH	554	-27%	$83,100,000	-29%	$150,000
2023	WATERLOO-CEDAR FALLS, IA	4,185	-29%	$551,605,000	-32%	$131,805
2023	Watertown, SD	579	-32%	$126,935,000	-33%	$219,231
2023	Watertown-Fort Atkinson, WI	1,768	-31%	$311,730,000	-43%	$176,318
2023	WATERTOWN-FORT DRUM, NY	1,823	-28%	$363,215,000	-21%	$199,240
2023	Wauchula, FL	222	-25%	$45,600,000	-16%	$205,405
2023	WAUSAU-WESTON, WI	3,722	-18%	$574,500,000	-25%	$154,352
2023	Waycross, GA	782	-21%	$129,430,000	-18%	$165,512
2023	Weatherford, OK	277	-25%	$50,455,000	-23%	$182,148
2023	WEIRTON-STEUBENVILLE, WV-OH	1,718	-25%	$211,170,000	-26%	$122,916
2023	WENATCHEE, WA	2,034	-43%	$733,230,000	-54%	$360,487
2023	West Plains, MO	458	-28%	$74,150,000	-26%	$161,900
2023	West Point, MS	224	-20%	$28,800,000	-29%	$128,571
2023	WHEELING, WV-OH	1,967	-20%	$269,425,000	-25%	$136,973
2023	Whitewater, WI	2,362	-29%	$600,540,000	-32%	$254,251
2023	WICHITA, KS	12,775	-22%	$2,455,315,000	-25%	$192,197
2023	WICHITA FALLS, TX	2,326	-16%	$457,460,000	-12%	$196,672
2023	WILLIAMSPORT, PA	2,358	-27%	$321,860,000	-29%	$136,497
2023	Williston, ND	528	-26%	$141,110,000	-29%	$267,254
2023	Willmar, MN	571	-28%	$127,265,000	-27%	$222,881
2023	WILMINGTON, NC	7,959	-31%	$2,554,485,000	-36%	$320,956
2023	Wilmington, OH	849	-23%	$142,375,000	-21%	$167,697
2023	Wilson, NC	1,391	-28%	$289,565,000	-17%	$208,170
2023	WINCHESTER, VA-WV	3,077	-28%	$834,775,000	-30%	$271,295
2023	Winfield, KS	478	-27%	$59,140,000	-29%	$123,724
2023	Winnemucca, NV	315	-34%	$82,185,000	-23%	$260,905
2023	Winona, MN	972	-27%	$146,760,000	-32%	$150,988
2023	WINSTON-SALEM, NC	15,237	-24%	$3,232,395,000	-25%	$212,141
2023	Wisconsin Rapids-Marshfield, WI	1,231	-15%	$176,475,000	-23%	$143,359
2023	Woodward, OK	232	-15%	$34,800,000	-36%	$150,000
2023	Wooster, OH	1,865	-28%	$314,565,000	-29%	$168,668
2023	WORCESTER, MA-CT	17,992	-33%	$5,000,750,000	-36%	$277,943
2023	Worthington, MN	187	-2%	$31,325,000	-6%	$167,513
2023	YAKIMA, WA	2,952	-41%	$733,170,000	-48%	$248,364
2023	Yankton, SD	294	-29%	$67,050,000	-20%	$228,061
2023	YAUCO, PR	158	2%	$17,080,000	6%	$108,101
2023	YORK-HANOVER, PA	10,722	-27%	$2,049,610,000	-28%	$191,159
2023	YOUNGSTOWN-WARREN-BOARDMAN, OH-PA	9,770	-27%	$1,344,600,000	-24%	$137,625
2023	YUBA CITY, CA	2,526	-47%	$777,970,000	-49%	$307,985
2023	YUMA, AZ	3,303	-37%	$718,595,000	-41%	$217,558
2023	Zanesville, OH	1,829	-16%	$269,605,000	-16%	$147,406
2023	Zapata, TX	62	-11%	$10,340,000	1%	$166,774

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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