Hey there, fhall1,
Thanks so much for using Apple Support Communities.
Being able to customize your wallpaper is such a cool feature of iOS 16 so we're happy to help make sure it's working as expected. We want to help clarify the best way to get this sorted out. To start, go ahead and lock your iPhone so that you're looking at the Lock Screen. From there, press and hold on the Lock Screen which will bring up the option to tap "Customize" where you will be able to make adjustments to either the Lock Screen or the Home Screen as you see fit.
This process can be seen here, as well: Personalize your iPhone Lock Screen - Apple Support
We hope this does the trick for you!
Cheers.