Thanks! That was my thought. I realize both have to itemize if one itemizes. It still comes out significantly ahead (mostly because of NY state) by filing separately.
One followup question. There were two mortgages in 2020 since we refinanced. The first only had one spouse whereas the second had both. I realize that for the second mortgage the interest can be divided however we like. But for the interest related to the first mortgage, does that have to go to the spouse that's on the mortgage? I assume so since the other spouse isn't even on it.
