Is $45,xxx.xx what's showing on your 2024 return's Schedule A for mortgage interest? If not, ignore the rest of this post. Only 3 parties should know the amount. You from the 1098, the mortgage company that issued the 1098 and the IRS that gets a copy. If some other party knows the number you entered, there is a problem.
By the way if the only mortgage you had in 2024 was the $650K, the interest should be fully deductible.
