OK, so this seems like the most likely issue I am facing because I did refinance in 2020. I actually refinanced right at the end of 2019 and then again in August of 2020 (50-75bps lower each time and got all the way from 4.375% to 2.99% !) I am guessing the dates I am using may be affecting this.
1st 1098 - Guaranteed Rate shows Mortgage Origination Date 12/20/2019 for Principal Amt 550,000 and Int Paid 3,434.91 and believe this was the active loan from 12/20/19 - 3/2/2020
2nd 1098 - Mortgage was assumed by NewRez from Guaranteed Rate on 3/2/2020 but shows Mortgage Origination Date 12/16/2019 for Remaining Principal Amt 548,281.37 and Int received of 8,651.78 and this loan was active from 3/2/2020 - 7/29/2020
3rd 1098 - Paid off New Rez on 8/3/2020 for $546,813.64 and opened a new Mortgage as of 7/29/2020 for $553,000 with Int paid during the year of $6,806.94 and this loan was active from 7/29/2020 - Current
