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      "text": "Gain on sale % decreased in 3Q22 driven by a continued rise in rates driving increased price competition. Purchase / Refi mix shifted from 57% / 43% in 3Q21 to 71% / 29% in 3Q22. 57% of locked loans were variable rate mortgages in 3Q22, down from 79% in 2Q22. Sold $93 million loans in 3Q22, down $67 million from $160 million sold in 2Q22.",
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