Thank you very much for your detailed explanation.
yes my avg balance is around 910K. I used beg of balance of 2020 and ending balance of 2020 to calculate avg balance. I didnt use original loan amount since the loan that got refinanced again was not the original loan.
I think the lender name doesnt show on the form that got sent to IRS. I only put one lender on the form though since i didnt get to add another one in time before i saw your response. I think as long as it doesnt get sent to IRS, it is ok. The most important thing is the right deduction of mortgage interest and the year of purchase of home. you are right.
thank you so much for your help in this community again.
